BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a dispute over a wire transfer over the XXXX XXXX weekend with 5/3rd Bank for the amount of {$1500.00}. I immediately called the Dispute Department and signaled Fraud. I was advised from the dispute department to call XXXX   XXXX XXXX where the transfer was sent. XXXX indicated that the information could not be shared of where the funds were transferred. As it turned out, I did not get the funds back. According to FBI reporting on wire transfers, as time drags out the less likely you will not recover your funds. An increase of wire fraud had increased over the last few years. 

I did not get a Field Investigator assigned until weeks later who was XXXX XXXX. His phone number is XXXX. I also filed a police report. XXXX shortly after took a vacation and when he promised me he would get back regarding the status of my case ; and I did not get a response over several calls. I also filed a complaint to recover my funds to the Loss Prevention department through XXXX XXXX who is a Bank Manager. I discovered on XX/XX/XXXX when visiting a local branch without notice that my Loss Prevention Claim was denied in XX/XX/XXXX under Dispute # XXXX. I even suggested to XXXX should I report this to the FBI and he said no he can handle my case. 

This transaction was part of the Bank 's Negligence writing that my transfer was due to health care reasons and dragging out an investigation. I hope that CFPB can resolve this matter with a Bank for once because I am filing a Civil Suit against 5/3rd Bank for more than my losses if my {$1500.00} is not reimbursed. I am getting tired of Banks getting away with misconduct and not recovering losses when Banks do have insurance. I have had a couple bad experiences with Banks not covering check fraud, and other related issues ; and I am not letting this issue go because I do not want other victims/consumers to encounter the same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XX/XX/XXXX : I noticed unauthorized accounts on my credit report and I contacted ; 1. Federal Trade Commission ( report ID Theft ) XX/XX/XXXX 2. XXXX County Sheriff 's Dept ( to file a police report ) XX/XX/XXXX 3. Each creditor in question ( XXXX XXXX XXXX, XXXX XXXX XXXX. & Capital One )XX/XX/XXXX 4. 3 Reporting Credit Bureau 's ( XXXX, XXXX & XXXX XXXX ) XX/XX/XXXX The creditor 's & bureau 's refuse to block these accounts and continue to allow these accounts to effect my credit negatively. I have still not received a response fron the Bureau 's nor the Creditor 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
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: Personal information incorrect

Complaint:
Disputed info with credit agency to please remove the incorrect/outdated in information & it was never done.

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 2020-08-22
Company: Experian Information Solutions 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:
i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2017-11-24
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I recently discovered my Old Navy account was forwarded to a collection agency. I am disputing this matter, because I never received any calls, billing statement summaries, or Old Navy Card. 
I am only willing to pay for the purchases made on the account. 

Furthermore, I am requesting that this negative balance in reporting be removed from the collection agency and all reporting agencies. I do not want this to reflect any derogatory information. I would like my credit reopened for future credit purposes and all fees removed. 

Again, please note that I never received any calls, billing statement summaries, or Old navy Card. I am a XXXX XXXX  trying to establish credit and I do not want this to affect my present or future credit history. 

When contacting the financial institution I requested to speak with a manager three times. It was clear that he did not want me to speak to a manager. After insisting he later transferred me to a manager in recovery and he was very unhelpful.

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 2019-09-21
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: Their investigation did not fix an error on your report

Complaint:
equifax has negatives posted on my credit that shows removed?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I lost my Bluebird AMEX. This card was use as a pay card and I went to the website and cancelled and requested a new card. After waiting the 7-10 business days i did not receive a card. Then I called the company to ask where is my card only to discovered it had not been cancelled and all my money was spent. The agent advised me in these cases we should call them although it offered to cancel and request new card on website. I proceeded to began the dispute process. The most disturbing thing of it all is when your transferred to the Fraud department the agent comes on and repeatedly calls your name and says hello, says they cant hear you and disconnects the call. This happened twice before I asked for the direct number. All of a sudden with direct call they can hear fine. I was advised to wait 10 business day for provisional credit while it may take 45 to complete investigation. On the 10th day I received an reject of dispute email. And of course when called to transferred to fraud dept. they could not hear me until I called back direct. The dispute is on going. The lost card resulted in {$230.00} loss at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: eMoneyUSA Holdings, LLC
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:
THIS ACCOUNT E MONEY USA APPEARS ON MY CREDIT REPORTING. I NEED THIS DELETED ON BOTH XXXX  AND XXXX. I NEVER HAD AN ACCOUNT WITH THEM. LOOKS LIKE IT IS OPENNED SINCE 2015 AND STILL SHOWING. I ASKED THEM TO VALIDATE THE DEBT THAT DOES NOT BELONG TO ME. IF NOT TO DELETE IT FROM BOTH REPORTS. I DO NOT KNOW WHAT TO DO ANYMORE. IT HAS BEEN IN DISPUTE FOR A LONG TIME. PLEASE HELP ME, YOU HAVE HELP ME TWO TIMES BEFORE AND I THANK YOU. COMPANYT IS EMONEY USA ADD-XXXX XXXX XXXX XXXX # XXXX, XXXX, KS XXXX TEL # XXXX. 
I HOPE THIS CAN BE DELETED AND ALL DONE. HELP ME ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: STERLING JEWELERS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I've been paying my card faithfully on time. It says my credit limit is {$1000.00}, my balance is {$740.00}. It says available credit is {$0.00} and it will not allow me to use my card. I didnt receive anything saying why. They don't offer online or email contact and with my schedule I cant call to fix this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
To whom it may concern I have been contacted XXXX XXXX XXXX many times concerning my original contract with the company. I surrendered a vehicle on my own will, known as an XXXXXXXX XXXX To date XX/XX/2021 the car has yet to be sold. It is my intention to pay-off the remaining balance for the vehicle once sold, as I was verbally told by the company that this would be possible so my credit report would not show a large charge-off. When I made contact with the company as of XX/XX/2021 I was told that a report was made to all three credit bureaus showing the payment to be 180 ( + ) days late. I request your assistance in this matter, as this information is incorrect and I am trying to act in good faith here to resolve this matter correctly, as to not destroy my personal credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Accelerated Financial Solutions, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is attempting to collect funds from me over a debt that is not mine. I have never signed a contract with this company and have never heard of them. They are reporting to the credit bureaus a collection in the amount of {$3600.00} that was opened XX/XX/2017. This is NOT my debt and this collection is causing a huge impact on my credit score/file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-21
Company: AES/PHEAA
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: World Acceptance Corporation
State: GA
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:
on the date of XX/XX/2019 an inquiry was made by XXXX XXXX that I did not authorize. I disputed this inquiry, and i attempted to reach out to the creditor to resolve this matter but to no avail. 

on the date of XX/XX/2019 i received an inquiry made by XXXX XXXX XXXX that I did not authorize. I disputed this inquiry, and I attempted to reach out to the creditor to resolve this matter but to no avail. 

on the date of XX/XX/2019 an inquiry was made by the World finance Co that I did not authorize. I disputed this inquiry, and I attempted to reach out to the creditor to resolve this matter but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Problem with personal statement of dispute

Complaint:
Why do credit bureaus continue to try to get more credit cards. They continually tell me to apply for this card or that card. I have 4 only one has a balance of XXXX on it but its XXXX percent for 14 most and I will pay it off before then. XXXX  told me to apply for XXXX card which had a good bonus so I did and they immediately turned me down. Then they tell me to apply for discover card I did turned because I already have a discover card. Well this is 2 inquiries that shouldnt effect me. Also I had a regions s account that I closed and paid in full in 2014. I wrote regions and I have tried to dispute several times. I was laid off going through a rough time during that period. Since then I have worked hard to restore my credit. I always pay Bill 's on time if I am making money. Also cell phone inquiries should not be hard inquiries. If u shop around their gon na pull score and that is at least 2 of my  inquiries. I'm XXXX years old And I had great credit till divorced at one time over 800 score but when I didnt charge or by anything for 10  years score dropped to XXXX and I thought when you get old get out of debt. Anyways today 's XXXX score is XXXX well a couple a months ago I had as high as XXXX and now its dropped 50 points and not one late payment or a reason besides inquiries. Thank you in advance for listening and please follow up with me if u are able to help. Thanks XXXX XXXX. My email is 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 2020-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 contacted TransUnion & explained that this account for XXXX & XXXX does not belong to me and is a FRAUD opened accounts. I have provided them with a police report & identity theft report with this information, yet they still continue to report this account. These accounts need to be blocked and deleted from my credit reports.

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 2019-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello, On XX/XX/2019, I made two separate in-store payments, from my personal XXXX Checking account, to the merchant Helzberg Diamonds that was to apply to my Helzberg Diamond Capital One issued credit card : Payment 1 ) In the amount of {$150.00} XXXX  # XXXX Trace ID : XXXX as shown on receipt Helzberg Diamonds Provided Payment 2 ) In the amount of {$100.00} XXXX # XXXX Trace ID : XXXX as shown on receipt Helzberg Diamonds Provided Both payments successfully posed to my XXXX checking account. My XXXX XXXX and statements can show verification of this. 

Payment ( 1 ) for {$150.00} XXXX # XXXX successfully posted to my XXXX  Checking account and towards my Helzberg Diamonds Capital One account. 

Payment ( 2 ) for {$100.00} XXXX  # XXXX also successfully posted to my XXXX   Checking account, however DID NOT post to my Helzberg Diamond Capital One account. 

I have tried to resolve this situation by numerous in-store visits, then phone calls and emails to both Helzberg Diamonds Capital One account with no resolution. There response has been, " Sales Audit can't find the transaction. Take it up with your bank ''. 

I have tried to resolve the issue with my XXXX XXXX. XXXX XXXX can not intervene because the charge for {$100.00} to be drafted from my account, the ACH was indeed truthful, however the issue is that Helzberg Diamonds Capital One NEVER posted the payment as they were supposed to towards my credit card account. 

I would like for the Consumer Financial Protection Bureau to get involved, because my bank can not assist me and the merchant Helzberg Diamond Capital One refuses to do anything for me and their customer service skills in the process has been subpar of incompetence. 

My bank if needed can indeed verify that the transaction has posted directly and/or with true and finalized bank statements, and I can also provide the Helzberg Diamond Capital One statements to show that the payment was never properly posted to may account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: MN
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:
Missed payments for my XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX credit card is incorrect. I have never missed or had a late payment with the above creditors. All of my payments has been on time.

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 2022-08-09
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: Personal information incorrect

Complaint:
The Three credit companies are reporting inaccurate infomation on my credit report. I sent this letter to all three competes and the onlt remove one or two name that is showing on the report. I would like all name that is not my name to be removed. They are also remorting address that i never lived at. I have never used these names and address that is being reported. Please see the letter below with the correct information. 


To whom this may concern, I recently retrieved my credit report. I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows This is my legal name XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX CA XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my bank statement, utility bill, ID for your verification Thank you for your assistance. 


Sincerely. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX is all paid up and they promised to remove any late fee 's and tell the creditors that it is all paid up with no problems. 

I have looked at my credit and have yet to see this updated. I called around XX/XX/18 to make sure this situation can all be settled and was told It would be done.

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 2021-06-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo mortgage. Called 3 time no response to question on deed being transferred into a trust. 60 days without an answer. Holding up an estate resolution.

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 2020-01-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have requested in writing to Carrington Mortgage that my PMI be removed from my loan. 
My balance is less than 78 percent of the original value of my home. and about 45 % less than the current value of my home. There is no reason for me to still be paying the PMI charge each month. Carrington Mortgage does not automatically terminate PMI on the date when your principal balance is scheduled to reach 78 %. My loan is up to date and the PMI should be terminated. 

The Consumer Financial Protection Bureau states : Automatic PMI termination Even if you dont ask your servicer to cancel PMI, your servicer still must automatically terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. For your PMI to be cancelled on that date, you need to be current on your payments on the anticipated termination date. Otherwise, PMI will not be terminated until shortly after your payments are brought up to date.

Company response to consumer: Closed with explanation