BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-13
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 fraud alerts or security freezes

Complaint:
Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that there was a Fraud/Security Alert placed without my authorization. Regardless of the reason for the alert, please immediately remove the fraud/security alert from my credit report/profile. In addition to this, I am giving you advance notice to NEVER place such alert ( s ) on my credit report/profile without my EXPRESS CONSENT. I have attached a copy of my Social Security Card and a copy of my California Drivers License for verification. Thank you in advance. 
Very Respectfully, 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 explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: NV
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:
Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. experian paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: CITIBANK, N.A.
State: PA
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 contacted citicards on XX/XX/XXXX to file a dispute over receiving a ring that was not what I ordered. They requested that I outreach to 2 different # s that they had for the merchant, which I did with no success. I also attempted to reach out via the website that I ordered from but the website was taken down & via another platform w/no response. I again contacted Citicards to file my dispute on XX/XX/XXXX. I did not receive any correspondence from Citicards requesting any additional information from me ( I have attached a picture of my inbox as it says messages are held for 1 year ). 

On XX/XX/XXXX, I get an email telling me that my dispute was resolved and they sided w/the company, who sent a picture stating my package was delivered. This was never in question. My issue was that I received something that I did not pay for. They then requested that I send in what I got vs what I ordered or proof that I attempted to return it but requested that no pictures be sent in. How am I supposed to prove something if I can not send in pictures ( Letter attached ). 

I ended up composing a PDF document with everything they requested and sent it on XX/XX/XXXX ( This is attached ). They sent me a letter on XX/XX/XXXX stating that they had previously requested this information and it was not sent in therefore my dispute was closed. However this is completely untrue. I was never sent any letter either by mail or electronically requesting additional information. Even if this was true, the most recent letter from XX/XX/XXXX, regarding my dispute requested this info, which I sent. I expressed my frustration as I was attempting to contact them via phone but their system kept hanging up on me and I informed them that I would be contacting CFPB. 

Citicards never requested additional information from me asides that initial complaint on XX/XX/XXXX. I have attached a screenshot of my inbox as my correspondence is electronically and there is nothing there asides the letters I was sent informing me of my results and a letter from 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 explanation
Consumer complaint received 2020-04-29
Company: BARCLAYS BANK DELAWARE
State: SC
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:
My authorized user, XXXX XXXX purchased a full size outdoor shed for {$130.00} from XXXX *XXXX thinking we were taking advantage of XXXX sale on XX/XX/XXXX. I did not receive it by XX/XX/XXXX so contacted XXXX to ask them to contact merchant. They never responded so contacted my credit card XXXX and asked them to dispute. They give me provisional credit and ask me to supply proof of what I ordered. I faxed the email proof and they acknowledged that they received my proof for Case ID XXXX. On XX/XX/ XXXX sent a letter saying XXXX is outside of the permitted timeframes to continue the claim through the dispute process and that the chip was read and validated during the authorization process or the card was present and CVV confirmed. This was an online purchase. The merchant is a scammer as they were mailing small trinkets to our address and we thought they were just confirming our address before shipping a 11ft by 18.5 ft full size shed. I emailed the proof of what I ordered and never received. They refuse to credit my money and allowed these XXXX scammers to defraud Americans.

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 2021-10-18
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Since they bumbled my initial modification ( lost my paper or held my papework ) XX/XX/XXXX Mr Cooper has yet again used practices to confuse me and be malicious. They have purposely bogged this process down and have been waiting on documents that have been already submitted i asked for all documents associated with modification to be sent to me so i can forward the information to people that can help mr cooper sent me a letter stating they will send it no later than XX/XX/XXXX. Meanwhile i applied for the hemap loan and they told me on XX/XX/XXXX they sent notice to mr cooper. Mr cooper responded like they said .... ANOTHER KNOCK ON MY DOOR BY A MAN IN A RED XXXX who was upset that i wasn't home and wanted to know where i was and asked a bunch of question to my neighbors daughter who just so happened to be there cause he was looking in the window. What happened to just leaving it under the door like you guys have done twice before now we have interrogators. I would have been in a modification XX/XX/XXXX or janurary XXXX but they held my documents then ask me to submitt the same documents again through the same method that caused uncesserry hardship no so i filed and kept filing and they kept appling interest etc and now im waitign on this descion from the commonwealth and they are so eager to follow thier interpretation of the law they forget that im tryign to get assistance or that they havent given me any documents showing the paper trail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have contacted Capital One several times about getting a reduced interest rate on my accounts. I advised them that due to the Pandemic my income has been reduced and I would like to get a reduced interest rate. I can make the minimum payment but noting more then that at this time and my rates are over twenty percent on my cards. The only think they offered me was a skip payment on the account but refused to back off the interest charges. I advised them if I skip payments like this that would put my account into negative amortization. I advised them of this and they acted like they do not care and all I wanted was just a reduced rate during this time. I am just shocked with everything going on in the world that they do not have better help programs. I have been a loyal customer with them for years and they could care less.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed and I still found multiple inaccuracies on my credit report. I have sent multiple letters to these 2 credit bureaus but never did I receive any correspondence. I have been asking for proof that these account in my credit report is reported truthfully yet nothing has come to light and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, they need to remove it from credit report. I'm tracking all of the letters I have sent and these unverified accounts affects my scores badly.

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 2021-10-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020 thru online banking, which I have never done, a check was created for {$4600.00} to a XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX from Fifth Third bank. This was from my checking account which I have had for 24yrs. I did not do this and do not know this individual. I discovered this XXXX XXXX when I tried to cash a check at a branch. The bank has the endorsed, processed check that posted XX/XX/XXXX. The bank refuses to investigated this fraudulent act because it is over 30 days from time of discovering the act. I have appealed several times and they continue to deny my request stating same reason, more than 30 days passed discovery. I have filed a police report with my local police department # XXXX, also fraud claim reference with bank XXXX and XXXX id XXXX. 
The bank 's refusal to investigate this case of fraud is inexcusable and raises the possibility of someone in the bank system who is involved or they are hiding something. I want my money back and people responsible for this caught.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: UT
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 have been sending letters to the bureaus because I have inaccurate items on my credit. My husband and I have yet to hear anything back and we really need these items fixed. I have attached the letters we sent that are the most recent but there have been more. Please fix accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: CITIBANK, N.A.
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 checked my credit report to see an old account from Citibank reporting. As stated when I phoned Citibank about the old account, I lost my job and became homeless. Thats why I fell behind on my payments. As soon as I got a job, I began to take care of the balance owed. However, even though Ive been furloughed due to XXXX, I still made payment and settled the account for less than owed. I was told once my balance was on {$0.00} it would be deleted 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 2021-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This morning I got an alert from XXXX credit monitoring stating I got a new Hard Inquiry on my report from Capital One. I know I did not apply for Capital One so that's what made me look into my credit report. I also noticed a few others that is on my Hard Inquires. I called & spoke with all 3 bureaus to dispute, all three is on it. It's not only fraudulent but can it be removed as well? Please advise, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX, I was viewing my credit report and found that there was a hard inquiry for XXXX on my credit report of Equifax dated XX/XX/XXXX. I never applied for services or gave any one unauthorization to use my social security number to open an account with. 

I chatted with a representative the same day, and was advised that the name on the account was XXXX and the account was opened using my social security number. The address on the account being XXXX XXXX XXXX, XXXX, VA XXXX. This is my EX-WIFE, and I would NEVER give her permission to open anything in my name. I was advised to call there fraud department but I have been recieving the run around. This is the 2nd time this has happened. She opened an account using my SSN in XX/XX/XXXX and the account was suppose to be closed down as fraudulent, I even spoke to mulitple representatives then. Now im being told the account was not shut down as fraudulent but is now with collections. I never recieved a bill because I do NOT live at this address on file. And now again XXXX has allowed my SSN to be used again to have an account opened. And now there is another unauthorized hard inquiry on my credit report. 

I have been told the account would not have been opened it the SSN on file did not match with the name on the account. That is XXXX, this is the second time you have allowed my SSN to be used to open and account and then allow the name to be switched on the account. 

I want ALL accounts with my SSN on your system closed and removed. I do not want to be held liable for ANY account balances because these accounts were opened fraudulently. One account closed on XX/XX/XXXX and its with a XXXX XXXX XXXX falsely. I want the account removed from XXXX XXXX XXXX as closed and removed from my credit report as the account was opened fraudulently. The second account was closed on XX/XX/XXXX, and its in the name of XXXX XXXX or XXXX XXXX but has my SSN on the account. I want my SSN off these accounts and hold her liable for the account balances. She NEVER had my authorization to open these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: Experian Information Solutions Inc.
State: IN
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 sent letters to each XXXX, Experian, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

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 2021-10-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have been disputing the inaccurate information reporting in my credit reports for the better part of the last 2 years. Over the last 2 years I have yet to receive one letter from XXXX, equifaax, or XXXX about the results. According to the FCRA, the credit bureaus are obligated to respond to all of my dispute requests but, they have been ignoring me!!!! This is a violation of the law. I want the credit bureaus fined for this fraud and the removal of the incorrect information from my credit reports!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Paypal Holdings, Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sent a rent payment to XXXX XXXX for rent in the amount of {$75.00}. They in turn closed both of our accounts and kept the money. They didn't provide the service that was advertised nor tried to return any funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2019 we had fraudulent activity on our Chase credit card. It was discovered when a package showed up on our door from XXXX that we did not authorize or order. We immediately contacted Chase within 30 minutes and found that there were numerous other fraudulent charges on our card. Chase advised that we would not be held responsible for these unauthorized charges. Chase immediately closed down our account and re-issued a new card. In total there were approximately 10 fraudulent charges that occurred before the account being closed down. 

Chase conducted their research and removed all but one of the fraudulent charges on our account ( the one that alerted us to the fraudulent activity ). Chase notified us that the XXXX charge for {$420.00} would remain our responsibility since the package was delivered to our home address. We explained to Chase numerous times that we did not order this product and have contacted XXXX to attempt to have the merchandise returned to them. Our assumption is that the fraudster did not change the billing address to a separate mailing address when completing the transaction with XXXX. XXXX was not able to help us on the return due to the fact that we did not have a receipt for the purchase. 

After initial Chase claim decline, we filed a reconsideration request and asked Chase to provide the merchant documentation proving that we ordered the product for {$420.00} ( how card was information was provided, IP address, signatures, etc ). Chase stated it needed to go through legal review before sending to us. We have escalated numerous times over the past several months and have not received any additional documentation except for an additional claim denial. I have left the case manager, XXXX ( ext. XXXX ) and have not received a response back after multiple messages left. 

The merchandise is for a drone, bag and memory card which I have offered to send to Chase or XXXX but neither have been willing to accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
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:
I am writing to dispute the following information in my file. I have not heard back from the credit bureaus in over a month.

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