BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Debt was erroneously sent to collections by XXXX. XXXX confirmed it was an error on XXXX XX/XX/2022. XXXX says this must be corrected by the debt collection agency. Debt collection agency says this must be corrected by 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 2018-05-01
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/XXXX, I have sent a dispute to Equifax to remove the following negative accounts showing on my credit report. They have not removed any of those negative accounts after I asked them to provide me the original consumer contract for each of those accounts according to the federal fair credit reporting act. They have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been the victim of identity theft for the last 2 years or so. I have sent the company and Experianan affidavit with FTC number and correct address. Experian has a identity theft mark on my report and still reports the item as current.

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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, GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : 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 2021-03-03
Company: Experian Information Solutions Inc.
State: VA
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 have mailed 6 disputes to Experian. I have an account that was paid off but is reporting twice on my credit report with Experian. The first dispute was mailed in XX/XX/2020. I have not had a resolution to this.

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 2019-10-26
Company: A-1 Premium Acceptance, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Dear Sir or Madam : I was initially approved for a loan on XX/XX/2019. The funds supposed to have been deposited to my account in 24 hours. They were not. I informed the company. Following this dispute, they voided out the initial loan and reissued a new one on XX/XX/2019. This second loan 's funds were supposed to be distributed by XX/XX/2019. The funds were never deposited into my account. I called the company. They informed me that they were working on it and the funds should have made it to my account by Friday, XX/XX/2019. I called back on Friday and asked for a cancellation of this loan, they have refused based on the premise that the funds are in transfer. I sent a written statement and attached images to show as of XX/XX/2019 that the funds have never been deposited. This company has had me to sign a contract and I never received the funds for the loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: Allied Collection Services, Inc. (Nevada)
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:
On Thursday XX/XX/2019 my wife and I attended a timeshare presentation at XXXX XXXX XXXX XXXX in XXXX XXXX, NV. We were originally told we were being contacted by XXXX XXXX XXXX XXXX ; in which we later found out was actually XXXX XXXX XXXX to attend the presentation. 
As we ended the completion of the timeshare presentation I let XXXX XXXX   Representatives that I wasn't interested and they called over the club manager to try to pressure us into signing up in which I refused. During this period of harassment, I received n important business call and had to step away. When I came back there was a crowd of sales representatives surrounding my wife ( who is XXXX ) was forced by pressure to sign up, who had given them {$XXXX} cash. 
After arguing with them about the stunt they pulled, and refused to return the money my wife gave them, we came to an agreement that they could hold the {$XXXX} to lock in a negotiated sales price, and allow me 72 working hours to make a decision to move forward with the purchase of the timeshare, in addition to paying an additional {$XXXX} as our initial payment, that we were told would be needed to solidify the sales agreement. 
When I called the following Monday to cancel I never got through, so I emailed the company was well, yet heard nothing. Attempted to reach out to them again that Tuesday with the same result ... 
Next thing we know we are being harassed by Allied Collection Services less than 90 days after we last made contact with XXXX XXXX XXXX. Now they have place us in collections for {$XXXX}. 
Problem 1 ) at the beginning of the presentation when asking qualification questions we identified my wife as being XXXX and XXXX XXXX XXXX XXXX XXXX XXXX   without my consent. This is a violation of the ADA consumer protection laws ... 
Problem 2 ) Company never contacted us after multiple attempts to reach them ... 
Problem 3 ) never received anything in writing before being sent to collections Less than 90 days of claimed day we opened the account Problem 4 ) XXXXXXXX XXXX XXXX  fraudulently stated we paid them {$1600.00} to initiate contract when we never paid them. 
Problem 5 ) XXXX XXXX XXXX claimed they were giving us {$XXXX} in free prizes which was misleading & actually cost the consumer over {$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 2022-11-21
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EdFinancial Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called on XXXX to request a refund of my payments made during the COVID pause. I had requested information be sent to me after the call. No information was sent to me. 

The agent processed the refund request for {$4100.00} and stated it would be re-added to my account in a few weeks, " by XXXX. '' I received no confirmation on the refund process being initiated or in progress. 

I waited until today, XX/XX/21 and called again. 

The agent I spoke with stated my refund was being processed, but that there is no timeline. This information conflicts with my previous interaction. 

There has been no amount change to my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I have unknown accounts which I have been disputing as well as contacted the companies that I was unaware of these accounts but neither paperwork has been provided to me as proof that I am reliable because I am NOT! But somehow reports that I've never seen confirm that I'm responsible and my dispute is not fairly processed so these unknown accounts continue to remain as if on my report without allowing me to correct, delete nor repair my credit score and continuing to keep me from bettering the future for my family and myself! It's now becoming an ongoing battle for someone who is medically XXXX to try and progress towards a better living environment. SINCERELY OVERWHELMED!!

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 2021-08-19
Company: Bread Financial Holdings, Inc.
State: MI
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 put my account on automatic payments well suddenly their is no record of that and I get a notice in my credit report that my account is 30 days past due I tried to resolve it but they did not want to work with me. I havent missed a payment in 3 years on anything in my credit report there was a better way that they could have been more customer friendly like even a phone call saying hey we noticed you were past due and I could have cleared up the confusion and made a payment immediately but that chose not to communicate no statements no email nothing just a negative on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-10-26
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had XXXX 's Rewards Plus XXXX in 2013. I purchased this card and every time to reload they charged me {$3.00} on top of monthly {$4.00} and XXXX cents inquiries about balance. I had lots of problems using this card. When the merchants issued credits and refunds Rewards XXXX XXXX would hold these funds for 1 month not allowing me to use my own funds. It happened on several occasions in XX/XX/2013 when I traveled. When hotels had extra preauthorization and after check out would release funds, Rewards plus would hold onto money and not credit to my account for 1 months. I involved management of one hotel in XXXX XXXX who same as me spent hours on a phone with Rewards XXXX without any resolution. I had few instances also when I would reload money onto card and funds would not be available till1-3 days later, making me not able to pay for my phone, or buy  groceries and pay other bills. This card is a negligent defective product and service.

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 2019-10-26
Company: EQUIFAX, 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:
I have attempted to send letter to all three credit bureaus ( XXXX, XXXX, equifax ) with no solution. These letters was first sent to the bureaus on XX/XX/2019 with only a response from XXXX that I should contact the creditors, which I did at the same time as the bureaus. Equifax and XXXX provided no response and no deletion for the unauthorized inquiries. On XX/XX/2019 certified letter was mailed out again to the bureaus ( XXXX, equifax and XXXX ) for the same inquiries and I also mailed letters to each creditor that sent those unauthorized inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
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:
I have attempted to send letter to all three credit bureaus ( transunion, XXXX, XXXX   ) with no solution. These letters was first sent to the bureaus on XX/XX/2019 with only a response from TransUnion that I should contact the creditors, which I did at the same time as the bureaus. XXXX and XXXX provided no response and no deletion for the unauthorized inquiries. On XX/XX/2019 certified letter was mailed out again to the bureaus ( XXXX, XXXX and XXXX ) for the same inquiries and I also mailed letters to each creditor that sent those unauthorized inquires.

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 2019-10-26
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:
The issue concerns my dispute with XXXX XXXXXXXX, XXXX and it's processing by Citi dispute department. The dispute was partially closed with an explanation that I missed a deadline of XXXX to provide supporting second opinion. In addition, it appears that Citi required me to hire a contractor for evaluation without intent to use the result of evaluation despite it was submitted before deadline, possibly due to miscommunication between different parts of the dispute department. As result I incurred {$190.00} of unnecessary expense. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- In their response to my complaint to CFPB dated XX/XX/XXXX Citi alleged that I missed the deadline of XXXX to submit additional documentation as requested by Citi on XX/XX/XXXX. This claim is incorrect as the deadline was subsequently extended. On XX/XX/XXXX, after my initial response, Citi sent an email further clarifying what they expected in case of a contractor dispute and extending the deadline to XXXX. Verbatim, Citi requested proof that the merchandise/service was not as described. This proof needs to be a review from a second similar merchantDue to timeframe issues please return the requested information by XX/XX/XXXX. The clarification email from Citi is attached, together with my response on XXXX at XXXX providing requested second opinion letter. Despite being submitted on time, according to recorded phone conversations with dispute department, the letter was scanned after the dispute was partially 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 2017-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Dear XXXX, This has been a very stressful Situation. Please help us. I have paid all my financial obligations on time for over 32 years. I have been a client of XXXX XXXX XXXX since XX/XX/XXXX although it was under name, XXXX XXXX and then XXXX XXXX XXXX. 

I have a HELOC which matured XX/XX/XXXX. Approximately {$120000.00} owed on HELOC. 

I also have my First Mortgage with XXXX XXXX XXXX which is approximately {$170000.00}. 

My wife and I wanted to pay our Mortgage payments but we have been going through Loan Modification since XX/XX/XXXX and were told by Capital One we could not make any Mortgage Payments. 

There are at least 3 horrible outcomes from this time consuming and frustrating Loan Modification Process. 

1. Credit ruined causing us to loose Most of our credit availability including a {$450000.00} Line of credit used to Operate our business. 

2. Nothing has been accomplished in This Loan Modification! 

3. Our loan has been sold to A Loan Servicing company called XXXX Who still has no record of our Account details. 

We have spoken to over a dozen representatives of Capital One both at the branch Level, the loan Modification Department, and the Loan Origination Department. All requested documents have been submitted to Capital One and their respective departments requesting documents. 

If there are any questions as we are sure there will be on your behalf, please call immediately at XXXX or XXXX. 

Sincerely XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TransferWise Ltd
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
This is a complaint against Wise XXXX Inc . 
Filed by : XXXX XXXX XXXX XXXX XXXX. XXXX, VA XXXX T : XXXX XXXX XXXX I have used Wise XXXX Inc. to wire XXXX EUR ( XXXX USD ) to XXXX XXXX XXXX 
Somehow there was a suspicious fraud and the money were not received by the beneficiary ( XXXX XXXX XXXX ). 

I have contacted Wise to put a trace and refund the amount but they did not. 
When I attempt to file a police report in the beneficiary country. The local authorities requested me to produce the following : - A document from the beneficiary bank that proofs the fund was received by XXXX XXXX XXXX, the document should include the beneficiary company name, owner of the account, account address and XXXX. 

Wise XXXX INC refused to provide me with such proof and asked me to contact the beneficiary bank directly. The beneficiary bank " XXXX XXXX XXXX '' .refused to provide me with any information since the wire was initiated by Wise . All communications have to be through Wise. 

It's highly unlikely that a hacker is able to open a bank account in one of of XXXX biggest financial institutions ( XXXX XXXX XXXX ) in the name of a company XXXX XXXX XXXX  ) without providing a registration documents and ID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: EQUIFAX, INC.
State: NC
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:
According to 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXXXXXX XXXX****, XXXX XXXX XXXX XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**** , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX****,  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****,

Company response to consumer: Closed with non-monetary relief