BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
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: Old information reappears or never goes away

Complaint:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 section 602 states " I have a right to privacy '' and this creditor has violated my Rights. I have a right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. I am requesting that you promptly investigate the disputer items and remove them from my credit report if they are found to be incorrect or unverifiable. ( see ex 15 U.S.C. 1681 section 604A section 2 & 15 U.S.C 1666B & C ) in accordance with the ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Synovus Bank
State: MI
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 rented a car from XXXX. I returned the car when requested. They put a {$72.00} hold on my card ( and some change ) However they charged me for two days, because apparently they couldn't locate the car in construction at the airport. I parked where requested but there was no employee there to assist. They charged {$160.00} on XX/XX/XXXX. I called XXXX XXXX to dispute it. They suggested I cancel that card and get a new one to prevent them from charging any more. I did. My dispute started then. They removed the charge from the original card and put it on my new card. Then in XXXX they allowed XXXX to put on XXXX for {$22.00} ; XXXX {$65.00} ; and XX/XX/XXXX {$7.00}. They show on the statements they credited it, but am still requiring payment on it. They never had my new credit card number to get authorization for it, so not sure how XXXX can even charge my card. The bank is showing {$220.00} in disputed charges. But again am requiring me to make payment. I closed my account as the only way to prevent them from allowing more charges and charging me more interest and fees. Can you please help. You can't talk to anyone about it, other than customer service. No email, no fax. You have to plan on at least an hour when you call them as they don't answer their phones, due to " covid '' I don't know how they can continue to allow charges when no one has my new card number or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
These two accounts listed are not my accounts. Please remove them.

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 2018-03-04
Company: GREAT LAKES
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: Account information incorrect

Complaint:
I was a student at XXXX in XX/XX/XXXX-XX/XX/XXXX. The school opened up our financial aid accounts and loans and was later on shut down for financial aid fraud. I have written to great lakes loan company and eventually received a letter that my loans would be dismissed. The loans keep showing up on my credit report along with late payement remarks. As far as the loans go Great Lakes refuses to do anything about the issue. As far as the late payments go I ask that those be taken off as I had no idea payment should be made due to my loans being taken off. XXXX frauduantly opened these accounts. Who is to say I received all the money I should have received or it went to the right places? I would constantly get emails that payment was submitted to me and the financial aid office would say nothing was there. it was very shady. I refuse to pay these loans as they are involved in a fraudulent service and I never got what I paid for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-06-12
Company: CITIBANK, N.A.
State: CA
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/XXXX, Best Buy Visa card contacted me for suspicious charges. One of the charges was to XXXX for {$860.00} for an online purchase. I did not make this purchase! Please investigate my online activity and audit my phone and computer!!!! As a matter of fact, XXXX # XXXX is common fraudulent charge. On XXXX, I received a letter from BestBuy Visa stating that there was not substantial evidence of unauthorized use for XXXX on XX/XX/XXXX. I am requesting more investigative action be taken ; as I swear I did not make this purchase!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
So, I opened a credit line with Capital One for the sole purpose of transferring balances from other credit cards without interest for a set term. I submitted 3 transfers, and all were added to my Capital One balance. However, regarding 1 of these transfers ( {$2600.00} ), the payment was never received by the payee ( XXXX ). After disputing this charge with Capital One, and constant calls with Capital One and XXXX : XXXX still claims that they have never received the payment, and Capital One claims that XXXX has declared reception of this payment. Capital One refuses to show me proof of XXXX  claim, leading me to believe that XXXX has not received the payment. The balance transfer in question is worth {$2600.00}. 
Around XXXX XXXX, when I initially called to inquire on the transfer, a representative from Capital One claimed that the payment was sent by mail. Then, in around XX/XX/, a different representative from Capital One claimed that I entered the XXXX card number incorrectly, but, that I can cancel the transfer ; I requested that Capital One cancel said payment. 
Every time I called Capital One, I also called XXXX to confirm that no payment was received. 

I also have, on recording, representatives from both Capital One and XXXX on conference call with me. On this call, the XXXX representative tells the Capital One representative that the payment was not received. Yet Capital One still refuses to remove the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Ive called XXXX  times over the course of a year to have them change my DOB. XX/XX/23 is the last time Ive called and am going to call. This has not only caused declines credit but also information on my credit report that is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX Inquired on 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 2019-02-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO
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:
Fifth Third Bank is reporting incorrect information on my credit report to XXXX and XXXX, resulting in a negative impact on my credit scores. They are reporting an account as 30 days past due when I do not owe anything on this account and there is no past due balance. This is coded as if I am currently late when, in fact, I am not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Two years ago, in XXXX Equifax, due to their own negligence had a security breach and recommended that we place freezes and alerts on our accounts. Today, my wife ( XXXX XXXX XXXX ) and I XXXX XXXX XXXX, contacted Equifax to have freezes lifted from our accounts so we could proceed with a mortgage application. Equifax informed me, XXXX XXXX, that I never had a freeze on my account despite multiple mortgage lenders saying I do. Further, they insisted my student loans were with XXXX, when in reality I have been with XXXX XXXX since AT LEAST XX/XX/XXXX, today is XX/XX/XXXX. Then they stated they had two different names for me, one XXXX XXXX XXXX one XXXX XXXX XXXX, with both names having different addresses attached to them, despite the SAME SOCIAL SECURITY NUMBER AND BIRTHDATE! 

Then they told my wife, they would not remove the freeze from her account because her name was different since we got married, in XX/XX/XXXX, again it is XX/XX/XXXX. They informed her she would need to submit a marriage certificate and ID, and when asked how they would make the change they stated she would need to include a letter authorizing this. 

They are making us jump through these hoops that THEY PUT IN PLACE because of THEIR NEGLIGENT actions and behavior. I am sick and tired of this credit agency putting our personal information at risk and when we need that information available for us to finally pursue the dream of home ownership for the first time, before our first child is due in XXXX, they are placing obstacles in our way that are not only unnecessary but burdensome as well. 

My wife is 5 months XXXX and does not handle stress well. Her XXXX has reiterated time and again the importance of low-stress environments and situations and Equifax has been completely unreasonable with our requests. We do not feel we have been treated fairly and that Equifax has placed an undue burden on my XXXX  wife with requests that should not be necessary. My wife answered her security questions, and because Equifax, not my wife or myself, but Equifax, because they have not done their part to update their files, they are now causing undue burdens on our family. We demand answers to why they can not process my wife 's request, why Equifax does not update individuals files in regards to things like student loan transfers ( i.e. From XXXX to XXXX ),  why they do not update an individuals name when that name change happened 10 months ago and was filed with the Social Security Administration, and why they have multiple names for one person who clearly has the same social security number and birthday. 

I am appalled that this predatory and deceitful agency is allowed to exist in this country. We demand answers to our questions in a timely manner, along with an apology from Equifax for their continued failures of the consumers they are supposed to protect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2016 our mutual client received correspondence from Wells Fargo stating that they had received our request for a short pay off. They stated they needed a Letter of Hardship and Verification of funds which was sent and received on XXXX XXXX, 2016. The letter also stated that it would take 60-90 days to review for the request. As we waited for a response we never received any updates or response from Wells Fargo until XXXX XXXX, 2016 declining our request. The borrower showed a valid hardship which included the death of their only daughter. The borrower also requested to settle the debt for {$450000.00} which is more than a considerate amount. Before he knew it there was a sale date of XXXX XXXX, 2016 placed on his home and he scrambled to gather documents for a loan modification because he so desperately wants to keep his home. After submitting all the requested paperwork by XXXX XXXX, 2016, the investor has still denied any review for retention options. Wells Fargo re-entry team has denied all retention options for the client for no reason. The borrower has sufficient income and provided all the documents in a timely manner. Due to Wells Fargo not getting back to us within the expected time frame we are now here at this point. Wells Fargo has violated CFPB rules and regulations and has continued to do so without repercussions. There is a good reason why they seem to be on the news every other day about lying to borrowers and not having their best interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on XX/XX/2022 or around that date a transaction of {$930.00}. to XXXX. I called capital one and ask them to dispute it they told me that they would. later the they took the temp credit back from me an told me I had to call XXXX. when I called XXXX  they couldn't help me cause I had no account information. I asked XXXX was the package singed for they said yes .i still owe the bank for a phone that was brought on my card fraud and capital one customer service rep has a strong language barrier you cant even under stand them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a credit card with 5/3rd that was taken out in XX/XX/XXXX & myself & my father, XXXX XXXX XXXX, were both on the card. My father filed BK in late XX/XX/XXXX & when I attempted to make pay on my credit card with 5/3rd they stopped allowing me to make payment, closed out the credit card & have reported the card a charge off even  though I was never late on the card & they prevented me from making payment on the card like I had for the previous 14 years. As a result of them, not allowing me to make payment & reporting it a charge off my credit went from the high 700s to the mid to low 600s causing me to pay more for every single type of credit i have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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 which antedates the report by more than seven years.

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( XXXX ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( XXXX ) the information is, in fact, inaccurate.

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 2021-04-05
Company: BAM Management US Holdings Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/2021 I have created a ticketed over a month ago on a ETH transfer from Binance ( their parent company ) to BinancueUS. Upon scanning the QR Code via mobile for the ETH transfer it coded the memo section wrong on 2 separate transactions. This lead to the crytpo transfer to stay in limbo. Upon their support page on BinanceUS it states that for a fee it will be resolved, however its been over a month with zero resolution or contact back from initial support ticket. The two claims are over XXXX in total I need assistance and have not got back from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Selene Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Selene Finance bought my mortgage from XXXX  XXXX XXXX who was my original bank since 2001 few months ago. I was hospitalized for 40 days due to some illness and I am behind in mortgage for 47 days. I scheduled for the full payment due by end of this month and I have explained the situation to the agents who processed the payment for me and provided with a confirmation number. 
I received a letter today from selene finance via certied mail threating to foreclosure on the property via certiied mail. 
My property is my primary residence for myself and the family. The Market value of the property by county is about XXXX and mortgage balance is about XXXX. 
I feel selene finance is not acting is good faith of thier client and it's bad or illegal business practice. 

C : New York State, Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2019-02-15
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 status incorrect

Complaint:
I had a repossession in XX/XX/2017 and it was reported as a repossession but then a voluntary surrender and then a write off or charge off and the account was paid in full. It is reported differently on all three credit reports. That has stopped me from getting approved for things that involve my credit. I want this removed immediately as that is a misuse of reporting 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