BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FTC Violations Texas Auto Dealer Will Pay More Than {$82000.00} To Settle FTC Charges It Violated Fair Credit Reporting Act Loan-Servicing Arm of XXXX XXXX Failed to Maintain Policies and Procedures Required by FCRAs Furnisher Rule to Maintain Accuracy, Integrity of Consumer Information XXXX  XXXX  XXXX   XXXX  open XX/XX/2016 {$22000.00}, my name is not correct.

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 2020-11-17
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$0.00}, {$5700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: CITIBANK, N.A.
State: OH
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 paid my account off and close the account. I did this 15 days before the due date. I found out I still owe interest rate on the account because they printed a statement after the 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 2021-03-27
Company: BSI Financial Holdings, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Servis One, Inc. d/b/a BSI Financial Services has issued a letter to me fraudulently claiming that my mortgage was transferred from XXXX XXXX XXXX  to XXXX XXXX on XX/XX/2021. I have confirmed with XXXX XXXX XXXX  that they currently hold my mortgage ( as of XX/XX/2021 ) and the servicer is XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. The loan has not been assigned to XXXX XXXX and the servicer is not BSI Financial Services. BSI Financial Services provided a contact address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX and requested that all payments be remitted to this address. The letter failed to reference my loan number or the amount to remit, and only included the information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
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: Credit inquiries on your report that you don't recognize

Complaint:
To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXXXXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX from XX/XX/XXXX + Personal Loans XXXX XXXX Inquiry from XX/XX/XXXX + Sales Financing Auto Credit Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX XXXX from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX XXXX XX/XX/XXXX + Finance Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC : XXXX DOB : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX, 2017 I sent in the final payment for my car but, my credit scores when down why is that? I feel like I 'm being targeted

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 2017-08-05
Company: EQUIFAX, INC.
State: IL
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:
Dear Sir or Madam, how are you, i am attaching a packet of inquiries and many attempts of my inquiries that have been ignored and inquiries that have been inquired multiple times, which i wrote notes in sides. i even added which Bureau deleted and which did n't. XXXX is the worst to deal with and i have been dealing with these headaches for over 6 months now and not to mention time and money spent on priority mails. i hope to get this resolved soon so i can move on with my life. i am looking to refi my home and do not want to be homeless with my XXXX babies. please CPFB do as much as you can to remove this and i believe this will raise my score a bit and if not then atleast make me look presentable to my future lenders. i really appreciate your help. Thank You. PS.. please get back to me as soon as you can, i want to refi soon before the rates go up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
State: TX
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 closed the XXXX XXXX account having XXXX balance since XX/XX/XXXX. I disputed the account Equifax and the creditor several times and the creditor confirmed that they had updated Equifax since XX/XX/XXXX. However, Equifax continues to publish wrong account balance and status showing that the account is open with a balance of {$1500.00}. Multiple Equifax agents have been so incompetent by not even been able to locate this account. They also can not tell the dispute filing date. Further, I have disputed the fact that my Equifax credit report is not showing my payment history for XXXX XXXX XXXX XXXX. Equifax agent stated that it does not matter. 
Equifax is definitely not abiding by law by publishing inaccurate, incorrect, and false information on my report. Both account have been modified by the other major credit reports. I took the auto loan in XXXX, XXXX from XXXX  XXXX XXXX  XXXX  and closed and paid the XXXX XXXX  since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, I refinanced my mortgage with XXXX XXXX ( XXXX XXXX XXXX ). The first payment was due on XXXX/XXXX/2020, and the payment was received by XXXX XXXX and processed on XXXX/XXXX/2020. On XXXX/XXXX/2020, my loan servicing was transferred to BSI Financial ( https : //www.bsifinancial.com/ ), however BSI has still not recognized the payment I made to XXXX XXXX, and show my loan as delinquent. Despite repeatedly calling them, they have made no apparent effort to contact XXXX XXXX to locate my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I made a payment to XXXX at XXXX XXXX  and it said it will be available in 30 MINUTES, it is now the next day and my family still hasn't been able to get the money their in desperate need of. I called and that day and all phone lines where busy. I called the next day and an agent was rude to me getting straight to the point and rushing me and not even asking if I need anything else, at the end of the day my money has still not been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: CITIBANK, N.A.
State: CO
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:
Hello, I made a payment to my Home Depot credit card owned by Citi Retail Services for XXXX it turns out I made for XXXX. The next day I found they lowered my credit limit to XXXX so when I went to reserve the payment of XXXX it would have put me over limit. Come to find out Citi Retail Services had been pulling my credit report with out my permission to obtain new information about me. I would like to state for the record I did not give this authorization and they should have not accessed my credit report, even if it was a soft pull. In calling they would not help me, one person hung up on me I asked them to fix the credit limit issue then the payment they would not. They stated they will try and reverse the payment however it will just put me over limit, please keep in mind this took place over 3 days.

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 2020-09-01
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Because of Covid-19 this seems to be a prevailing problem, you look up and your credit card is closed for no credible reason, effecting your credit score. The reasons given are laughable.

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 2021-02-25
Company: Texas Guaranteed
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My trellis has place tax offsets to working class people who are affected by Covid 19 and the winter storms in Texas. As we tried to communicate with them they have the audacity to continue their collection efforts despite the current climate. They have bordered on illegal collection practices and refuse to correct wrong doing in their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: American First Finance, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello, I started using the Gemini app to start trading cryptocurrency. After depositing funds into the account and buying a few crypto coins, they will not let me sell or withdraw my money because my account needs to be " verified ''. I don't understand how they can hold my money hostage for over a month now without any communication. Please help with this matter. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: JPMORGAN CHASE & CO.
State: CT
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:
I filed a claim onXX/XX/XXXX and was told that once the transaction posted I would receive a temporary credit within 12 hours its almost 4 days later and I have not received the credit. all I have received if different bull XXXX responses from reps as to why the credit was not processed -- the merchant after I threatened to sue refunded the amount -- instead of still applying the temp. credit I am being made to wait another day for my funds. As a customer I am looking for another banking institution because I do not like how this situation was handled. I should not get 4 or more different versions of a policy and as a customer am now going to be without funds that were fraudulently taken from my account for almost a week. I had better response from the company who fraudulently charged my card than from my own bank ..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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:
This is my FURTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX CT XXXX, NC XXXX ; XXXX XXXX XXXX XXXX NC XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
unknown debt placed on my credit report XX/XX/19 damaging my credit & receiving harassing calls. please remove unknown debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: BARCLAYS BANK DELAWARE
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:
I was out of town in an area with poor cell phone reception from XX/XX/XXXX to XX/XX/XXXX. I received a text on XX/XX/XXXX about a fraudulent charge for {$700.00} made on XX/XX/XXXX from Barclays, which I invalidated by texting back. I received the text a day later as I had no cell coverage on XX/XX/XXXX. 

I noticed a {$550.00} charge that was applied at XXXX XXXX in XXXX XXXX, and a chargeback of - {$550.00}. I informed Barclays that my card was stolen, promptly. 
However, the {$550.00} charge was applied again on XX/XX/XXXX. I did not receive a decision letter, until I asked for one to be sent in XXXX when I noticed the charge. 
I appealed the dispute. They claimed that since chip was used and the purchase was verbally confirmed my request was denied. 

I never came in possession of this card and was not notified that a card was sent. The individual who stole the card managed to activate the card and use it.

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 2021-01-21
Company: Regional Management Corporation
State: TX
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:
Over 1 year ago and 30 days ago, I sent a letter. Regional Finance XXXX XXXX XXXX XXXX XXXX, SC XXXX account # XXXX they have been reporting on XXXX  and XXXX  that I have an account with them that was charged off. I have never owned or asked for any loan with this company. I have repeatedly asked for XXXX and XXXX to remove it and it comes back as verified as accurate, which is not. I also sent them a letter, but they never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
Transunion was misleading on their credit monitoring services in that it charged monthly for a service I never used. Worst of all is that I could not cancel online and when I called XXXX XXXX to cancel, they still did not cancel and still can not cancel online. Finally got it canceled today and disputing all charges with my credit card company.

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 2020-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There was a late payment marked on my report several months ago. It was late due to being a XXXX  dealing with XXXX. I requested it be removed, but it has not been.

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 2018-02-26
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
BBT bank is claiming i owe them XXXX. I HAVE NEVER RECEIVED ANY ''BILL '' A STATEMENT IS NOT A bill you XXXX XXXX and yu probably discharged it to my social security trust account like you do to everybody else, BBT bank also SOLD THE ORIGINAL INSTRUMENT WITH MY WET INK SIGNATURE BECAUSE IT HAS VALUE, THESE ARE XXXX LIAR CRIMINALS,, I NEVER RECEIVED A ''BILL '' OR A SWORN VARIFIED COMPLAINT OF ANY WRONG DOING

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX is reporting an account on my credit. report that i do not recognize ... I ve sent 4 letters to all of. the bureau to verify/validate this account, XXXX was not able to verify/validate this debt and deleted it from my credit report ... .How have XXXX and experian been. able to verify/validate this account if XXXX could not? they. have yet to send me a signed copy of this so called contract ... .Arent experian and XXXX  supposed to follow suite as this can not be verified/validated? i need this deleted immediately or i will be contacting the state attorney as well as a cfpb attorney

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