BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-16
Company: Bread Financial Holdings, Inc.
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021, an account for {$5500.00} was opened and funds were paid out to XXXX XXXX  XXXX when no services were rendered nor acknowledgement from surgery center of my information and application process. 

XXXX XXXX had contacted me from XXXX XXXX for a consultation and offered an interest free financing option for the services requested. Upon my approval she said she has set a surgery  date of XX/XX/2021. 2 days later I received a phone call from another representative from XXXX XXXX trying to process a consultation and financing option as well. I told her that I had already done so and if they have my information. She told me to reach out to XXXX to verify and confirm. At that point XXXX did not respond to my phone calls, messages, or emails. I further contacted the office directly and a rep told me to keep trying that she will eventually pick up. At this point I was afraid my information was compromised. I proceeded to leave phone messages and emails to the supervisor and accounting department regarding my information being falsely taken by a representative and they too failed to respond. @ weeks later, another representative contacted me notifying me that XXXX is no longer with their office in which I emailed back to verify my information and to please confirm that all services and application has been cancelled. She too, has never responded. 
On XX/XX/2021 I received a statement of financing from XXXX XXXX for payment on an open account for {$5500.00}. They notified me that I have an open account with Comenity Capital Bank for that amount. I filed a dispute with their company, as well as filed a report with XXXX XXXX  XXXX  against XXXX XXXX, and filed additional disputes with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to XXXX XXXX  and Equifax. As of today, over 45 days later, I still have not received any response from those disputes. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 45 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 equifax data breach and may have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Upon checking my credit report Ive noticed some unauthorized, fraudulent inquiries on my credit report according to the ( FCRA ) these items must be removed.

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 2021-08-16
Company: BROKER SOLUTIONS, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Good morning The new American mortgage was keeping changing the amount we need to close and on close day the bank change the closing amount for more money and took our didnt count our deposit and gift money that they said we need it. Now we pay more than we supposed to and they stole gift money and more. They changed everything on the day we are sitting and signing closing documents. They changed 10 times ; XXXX XXXX, XXXX XXXX, XXXX XXXX, and more people that keep taking our file. XXXX and XXXX send and call my agent and I impropriety names also XXXX and discriminatory language was use by the bank. They never answer the phone ; is all fraud. They took our money and no explanation. I go XXXX from this people screaming at me and saying bad things to me and humiliated me. I cry so much because they treated me of taking my home and having my family and I in the streets if I reported them. Please help. Thank you so much XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: Payward Ventures Inc. dba Kraken
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I went to send bitcoin  into the wallet that their platform generated. Through a bug in their system, an incorrect address was generated and my funds were sent to an account that, while they still have access to, they refused to fix.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Bull City Financial Solutions, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent two validation letters to bull city financial solutions asking them to remove this collection from my credit file because this debt is not mine I also asked if they could provide a original contact bearing my signature which they have not done all they sent me was a final bill which is not proof of validation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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 contacted both Capitol One ( original said Creditor ) as well as the collections agency XXXX XXXX about the debt that theyre saying is mine. I immediately contacted them both upon the collection account hitting my credit in XX/XX/XXXX for {$3300.00}. The debt has never been an Account on my credit report at any time since it was supposedly opened in XXXX. The verification the collections agency sent me in the mail was missing a bunch of information including XXXX room history. Capitol One was not able to provide me any details saying they sold the debt so I had to work with the collections agency. The credit account is not mine! I filed a Fraud dispute with Capitol one in XXXX and never heard back from them validating the debt. The debt is 7 years old and no one can validate its mine. I never have worked with Capitol One in my life. Theres not credit reporting on my credit file ever with Capitol One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-10
Company: EQUIFAX, INC.
State: MI
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:
Dear Sir, Equifax did not fix my issue According to my previous communications with Equifax, Its mentioned that my name, address, social and various identification details were verified as being accurately verified, also Equifax acknowledged various letters to me and various consumer protection bureau response to me. Equifax did not address or fix my previous complaint where as XXXX credit card and loans information missing in the credit report since XX/XX/XXXX. I also ran Equifax credit report dated XX/XX/XXXX and I did not find missing XXXX credit card and missing XXXX Auto loans, which have been paid off and also attached XXXX closing Auto Loans to my previous consumer financial bureau complaints. I have no idea, what kind of fraudulent investigation has been done by Equifax and there was no evidence and no investigation report attached to my consumer finance bureau response, no transparency at all. XXXX also sent official letter that they correctly reported all my closed XXXX loans and Credit Card information to Equifax. Could you kindly direct my complaint to Respectable Federal Officer against Equifax, their fraudulent investigation, no evidence attached to my previous complaint response, also no explanation why closed XXXX credit and auto loans removed from the credit report. Could you direct Equifax to add my closed XXXX credit and Auto loans in the credit report, which needs to be part of the credit report for at least 7 years and removing Auto Loans from credit report is a fraud and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have submitted several claims to TransUnion over the course of the last 18 months. Most recently, I have filed a claim online, but when I go to upload the supporting documents, I get an error message stating the site is having 'technical difficulties '. 

These technical difficulties on the TransUnion website have been going on for over one year. It is obvious that this is intentional on TransUnion 's part. I am not able to log into the website to see any information on my account or report, and when I call, I am transferred to a rep in XXXX who is reading from a script trying to sell me services and not fix my dispute.They also ask me to mail in my documentation instead of submitting it online, which I have done, and they have either lost or claimed it was not received, so they close my dispute without settling it. I started the process each time through XXXX, and it comes to a dead stop once it goes to TransUnion. 

The turnaround time for claims is well over 30 days, and I have gotten several emails telling me the dispute has been resolved but I get no information and I am unable to access the information on their website because of 'technical difficulties '. I have attached the supporting documentation for my latest dispute, # XXXX. 

Some action should be taken against TransUnion, as they are holding Americans hostage with their unethical tactics. Credit reporting agencies should be held accountable for their inability to perform standard services. They wield too much power when their performance is subpar.

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 2019-01-04
Company: EQUIFAX, 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:
There are several accounts reporting on my credit file that does not belong to me. The following account is a result of identity theft : Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX  - Balance {$10000.00} ( XXXX, Equifax, XXXX ) XXXX XXXX XXXX XXXX  - Balance {$13000.00} ( XXXX ) XXXX XXXX XXXX XXXX - Balance {$2300.00} ( XXXX ) XXXX - {$7300.00} ( XXXX and XXXX  ) XXXX XXXX - {$3500.00} ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 been a victim of fraud / the XXXX breach, etc ... I recently disputed these items but as of today the problem still exists. I'm holding the credit reporting agencies accountable because they are the ones reporting frivolous information without providing or being provided with physical verification as promised by the FCRA. If not corrected this time I will be forced to start a law suit against all 3 agencies. Hopefully this could be resolved from here. The following accounts being disputed are ... ( # 1 ) XXXX XXXX XXXXXXXX ( XX/XX/XXXX ), ( # 2 ) XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/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 2018-04-19
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I CAN NOT RESOLVE THE LAST FEW LATE PAYMENTS ON THE ACCOUNT. I HAD SOME MANY PROBLEMS WITH MY COMPUTER IN XX/XX/XXXX AND MY PAYMENTS WERE GETTING IN LATE AND THE SUGGESTION OF THE SUPERVISOR OF XXXX XXXX XXXX I HAD MADE A PAYMENT ON THEIR WEB SITE AND I WAS APPLIED LATE AND MY CAR WAS TOWED FOR THE LAST PAYMENT NOT RECIEVED OR RECIEVED LATE. THIS COMPANY HAS TREATED ME VERY POORLY, AND BULLIED ME INTO BELIEVEING I DESERVED TO HAVE MY CAR TOWED AND TO PAY THE TOWING COMPANY A FEE FOR A PAYMENT MADE BUT NOT POSTED IN TO THE ACCOUNT. THIS ERROR WAS ENTIRELY XXXX XXXX FAULT. 
ALL I WOULD LIKE IS TO HAVE THE LATE PAYMENTS REMOVED FROM MY HISTORY. 
I ALSO DONT KNOW WHY THEY WOULD UPDATE MY ACCOUNT IN XX/XX/XXXX AND XX/XX/XXXX, WHEN I HAVE HAD NO PAYMENT OBLIGATION TO XXXX XXXX, AT THIS RATE I WILL NEVER GET RID OF THIS BAGERING COMPANY FROM MY CREDIT REPORTS. 
PLEASE HELP ME IN REMOVING ALL THIS HISTORY FROM THIS COMPANY ... THIS IS MY RIGHT AS A CONSUMER, I HAVE HAD NO FURTHER BUSINESS WITH THIS COMPANY AND THEY STILL HAVE ACCESS TO DESTROY MY CREDIT ...

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 2018-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I got an alert today ( XX/XX/XXXX ) from my Credit Monitoring ( XXXX  ) that there was activity on my credit file. I checked it to find several inquiries, one from XXXX ( XXXX ), one from XXXX XXXX XXXX ( XXXX ) and one from XXXX ( XXXX ). As a result of these inquiries, my credit score dropped XXXX points. 

I called the XXXX number at XXXX XXXX and the representative said someone had opened an account using my name and social security number but used a fraudulent address ( XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ) which I had already called XXXX last month ( XX/XX/XXXX ) to dispute. The XXXX representative said he would close the account and that, as far as he could tell, no phone or usage was activated on the account. He gave me this website to file a complaint to have the inquiry removed off my credit report as he said that XXXX did not have a direct way to remove the inquiry themselves. 

I called the XXXX XXXX XXXX number who gave me XXXX  XXXX 's number ( XXXX ) in XXXX XXXX. When I called the dealership, the XXXX manager said that the application was ran on XX/XX/XXXX ( again, using the fraudulent address that had appeared on my credit report last month. The perpetrator had actually driven away with a {$100000.00} XXXX and that I had called at just the right time before the documentation went back up to XXXX XXXX XXXX for me to be held liable for it. The manager is in the process right now with the XXXX XXXX XXXX XXXX XXXX to recover the vehicle and told me that the dealership would remove the inquiries once a police report is filed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a Citi Bank N.A. new checking account offer. First time Citi account opener ( which I was ). Open a new checking account, and deposit {$5000.00} in new funds. Then hold the {$5000.00} in new funds for 60 days or longer, and within 90 days Citi will award a {$200.00} bonus. I deposited {$5000.00} and held it there for over 90 days, but did not receive the bonus. And, when I reached out to people at Citi to resolve, I received no help. I have attached screenshotted proof of my transaction history, showing the {$5000.00} going in on XX/XX/20 and staying for over 90 days. Thanks for your 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 2018-01-29
Company: Seterus, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Seterus Inc. is willfully attempting to collect escrow payments which will not be disbursed. Seterus IncXXXX has negatively effected my my credit score and my ability to perform obligations of my employment. I have verbally and in certified postage attempted to point out the mistake however Seterus IncXXXX continuously redefines the date Seterus Inc. is obligated to respond to my inquiry. 

Seterus, Inc. operates as a subsidiary of XXXX XXXX XXXX XXXX ( XXXX ) ; thus the same corporation that boosts of XXXX a natural language, question answering computer can not determine the date a mortgage will be paid off utilizing a simple mortgage amortization schedule. 

My loan was transferred to Seterus Inc. after the banking failure in 2008. Payments have been on time for the full duration of the loan. I have paid additional principal payments from time to time ; therefore my loan will be paid off six months early. Seterus Inc. is attempting to collect tax and insurance payments that are not due until after the loan is paid off. Seterus Inc. representatives admit the funds collected will not be disbursed from my escrow account because the date the tax and insurance payments are due is after the date the loan will be payed off. I have been told that I can apply for a refund after the account is closed ; this is affectively a penalty for prepaying my principal. Seterus Inc. has breached several tenets of the signed mortgage. 

I have received notification that payments received by Seterus Inc. are not being honored and are held in a suspense account. I have verbally explained to Seterus Inc. representatives the errors Seterus Inc. has made. No attempt to correct the errors has been made, nor has an explanation been offered by Seterus Inc. why Seterus Inc. believes no error had occurred.

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 2018-12-07
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:
I disputed an account on my Experian credit report XXXX XXXX over a year ago. I disputed that the payment history wasn't being reported correctly because there was a few months missing that wasn't reported being paid. Experian said the account was verified so the account remained the same. I was comparing my XXXX  and Experian report on my XXXX XXXX account and i notice that Experian is showing that this account was Charged Off but XXXX  has this account showing as Paid Charge off. So when i saw this inaccuracy i decided to dispute this with Experian on line but Experian wont let me dispute this account again when i try i get the following message. " For security reasons, we can not process your dispute online. Please contact us by phone so we can best assist you. '' so when i call the number i just get put on hold for over an hour. Then i get hung up on. So today im asking Experian to let me start a new dispute investigation with XXXX XXXX. I also have proof verifying this inaccuracy.

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 2018-01-29
Company: Experian Information Solutions 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:
Dept of ed. {$63000.00} Tax lien {$82000.00} First Merchant {$1800.00} Tax lien XXXX {$430.00} Tax lien {$13000.00} On several attempt I have contacted the bureau to investigate these account due to the being fraudulent account and or doesn't belong to me. I have asked that they investigate them and sen me supporting document and not just say that the account was verified as that is what happened. The felled to comply and send supporting document as I feel sas if the account may not have been investigated properly.

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 2021-08-16
Company: UMB FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been trying to withdraw funds from my account but they put a withdrawal restriction on the account since last XXXX ... I filed a previous complaint about this but you refered me to FINRA but after awhile they advised me to submit another complaint with you because the problem is about my right to withdraw funds I deposited to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing furture information until further notice including the XXXX . Report and other furnished Lexis Nexis inquires regarding all personal information. 


My information is below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, Ohio XXXX Birthdate : XX/XX/XXXX Social Security:XXXX

Company response to consumer: Closed with explanation