BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2018-01-24
Company: McCarthy, Burgess & Wolff, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my account I do n't understand what 's going on I have an account with this company and its in very good standards and activite.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: EQUIFAX, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Applying for a mortgage and checking rates. Credit score has dropped 100 points in one week. Do not know reason, Nine hard inquiries multiple less than the 14 days between rate inquiries.XX/XX/XXXX XXXX inquiry, did not ask for them to do anything. Please remove inquiryXX/XX/XXXX Inquiry reported from XXXX XXXX XXXX and inquiry was 3 months earlier. How can they report late ( upset because we did not use them ). XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX hard inquiries too close to count as separate inquiry. XX/XX/XXXXand XX/XX/XXXX XXXX XXXX pulled credit for same mortgage company. Please remove. By my calculations I should only have 3 hard inquiries for mortgage inquiry rates. I do not understand how this is detrimental to my credit just because I want to check mortgage rates.XXXX XXXX XXXX hard inquiry, I called them to check USDA rates and they pulled my credit without knowledge. Please remove. When called XXXX the representative said I could not have them removed and when asked to speak to supervisor she said she did not have one and no one would return my call. Rotten customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. I called the XXXX XXXX, i also called Chexsystems about the Reported balance of {$190.00}. Im unable to open up a checking account because of this negative balance being reported in the chexsystem.

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 2019-11-19
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a PNC Bank checking account ( Virtual Wallet with Performance Select ) on XX/XX/2019, using an online offer on the PNC Bank website for a {$300.00} account opening bonus. The terms of the offer were to establish a direct deposit of {$5000.00} to the new account and to make at least 10 debit card purchases. 

I completed the terms of the offer in early XXXX and was assured by PNC Bank customer service representatives on multiple occasions that I had met all of the offer requirements and would be receiving the {$300.00} account opening bonus within 60 days. 

On XX/XX/2019, I called PNC Bank again because I still had not received the {$300.00} bonus. The agent assured me that I had met all the requirements and was going to escalate the matter so the bank could manually deposit the {$300.00} bonus. A PNC Bank representative from the escalation department then called me on XX/XX/2019, to say that I did not qualify for the {$300.00} bonus even though I had fulfilled all the requirements, to include direct depositing {$5000.00} to the account on several occasions. 

I am deeply concerned by the false marketing offer that enticed a customer like me to open a PNC Bank checking account for a {$300.00} bonus that the bank did not intend to pay out. These types of practices are fraudulent, need to be stopped, and ultimately harm all consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-11
Company: EQUIFAX, INC.
State: IL
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 XXXX Equifax several vendors I have repeatedly sent certified letters to the credit unions several certified letters to all vendors in question uncountable number of on line complaints to all XXXX continue to request proof signed credit appls signed loan agreements no one has ever proved any proof and keep refuse to prove it and product anything I signed and refuse to ever look in to it because they keep claiming verified with no proof this must be a criminal act after 18 months. this is so wrong why should I have to pay XXXX dollar for each credit union and each vendor that continue no break the FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: ID Analytics, 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 is missing that should be on the report

Complaint:
I was one of the 145 million Americans impacted by the XXXX  data breach. I did all the " right '' things by locking my credit with XXXX, XXXX and XXXX. Subsequently, my husband and I applied for an auto loan on XXXX XXXX. I unlocked our reports for 48 hours to allow for this transaction to proceed. It was approved and I relocked our credit reports. 

Yesterday, I received written notification that XXXX had obtained our credit reports from XXXX, and that report indicated my credit score was too low to qualify. This is utterly ridiculous as my credit scores with the major credit bureaus are impeccable. I had never even heard of XXXX and am extremely concerned that my stolen data may be used through credit bureaus I do n't even know about!!! I find this highly unethical and worrisome that unknown companies are being given access to my credit history, particularly in light of the incompetence of the known companies. 

When I went to the XXXX website, I found that they expect me to mail copies of vital documents to them in order to even see the report they have compiled on me. I am not at all comfortable providing these documents to a company I 've never heard of before. I faithfully get my annual credit reports through XXXX, which is authorized by federal law, but have never been informed that there are additional companies I should be monitoring.

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 2019-08-05
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2019, I started a transfer from my borderless XXXX account to another account, the recipient details seems to be incorrect and transfers couldn't complete the payment, I wrote to them and tried to correct the details but my they deactivated my account instead and they advised me on XX/XX/XXXX that I'd have to wait for 60 days. 

I have waited 60 days already and these people still will not release my funds into the account provided to them ; they keep stalling and I am being told different things ; I contacted them last week on the XX/XX/XXXX and I still do not have my money. 

I am XXXX and In serious need of my money ; I am not appealing to use their services anymore, All I want is my hard earned money paid into my local account I have provided to them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15
Company: LEXISNEXIS
State: MD
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 send a letter for LexisNexis to validate debt but they have not replied. Letter attached

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Out of the blue, Navy Federal Credit Union locked me out of my own accounts on XXXX XXXX, a week ago. There were problems with their XXXX, a Branch Teller and most recently, a company notifying me that duplicate payments that were deposited were sent in error. I have provided detailed information. They are claiming a {$1900.00} checking account overdraft. I should be able to view this account activity, but am unable. One of my loans is secured by my XXXX XXXX. I am a 17 year member and fail to see any harm in allowing me to view my accounts. ALL contact is by me calling them or generic email by their " Security '' dept.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I received a letter from Capital One XX/XX/XXXX, XXXX saying they were closing my account because of inactivity. The problem with this is that there were a number of reward points associated with this account. And this closing letter was the first communication I had from them saying they were doing this. I never received a warning letter or a letter saying if something wasn't charged to the account that the points would be forfeited and the account closed. I called Capital One on XXXX different occasions after I got the letter and talked with XXXX different people, none of whom were able to resolve this for me. I asked to speak with a supervisor repeatedly and was never allowed to do that. I asked if the account could be re-opened or the points could be transferred to another account that I still have there, and was told no repeatedly. The last person I spoke with said she'd 'write a letter ' to appeal the decision and call me with the results. She called today and said they would do nothing to help me. The points are gone, the account will not be re-opened, and points can not be transferred. This is just like them taking money out of my pocket with no warning or ramifications. It's just not right and they're not willing to fix it. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I obtained my XXXX and TransUnion credit report on line. There was an U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed  me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 

I have asked both reporting agencies to provided me with detail or letter confirming i am the one who filed Bankrupt and with my signature i have not been given this information as of yet. However they continue to advise that such has been " VERIFIED '' My inquiry to the U. S. Bankruptcy Courts confirmed XXXX AND TransUnion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.

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 2021-10-15
Company: Shellpoint Partners, LLC
State: CT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I went into a forbearance plan in XXXX of XXXX when Covid hit. During this process i made sure to connect with my assigned contact to make sure that this would not affect me in any negative way. I was assured that there would be no problem fast forward to XXXX of XXXX my Forbearance was ending and i would resume my payments. I was specifically told my my point of contact that I would resume my payments in the month of XXXX so I called in to make my payment for XXXX. I was sent a loan modification agreement at the beginning of XXXX that needed to be notarized. Per my point of contact I was to NOT pay the month of XXXX because of the delay in getting the loan modification agreement. Since then i have received a total of 6 Loan modification agreements because of errors made either by Shellpoint Mortgage or the XXXX. I have sent everyone of these in ; in a timely manner. Because of others mistakes I am now paying the price which is not fair. Shellpoint Mortgage is reporting tho the credit bureau that I am not making my Mortgage payment when I indeed have been paying it since XXXX as i was instructed to do. I have tried a number of times to get this fixed and taken of my credit with no luck. Every time I call i get no where ... this is costing me a lot my credit went from a high XXXX down to a low XXXX. Please help I have no fault in this.I filed a formal complaint with Shellpoint and received a letter saying they were going to look in this but I have not heard anything else since. I have never payed my mortgage late. since the first reporting Shellpoint has gone and sent a second reporting of me not paying which is not accurate at all i have my bank statements that show I have been paying. I was told that the reporting would keep happening until they receive a complete agreement. as i mentioned i have sent in 6 of these agreements but they are not accepted because of errors Shellpoint made or the Notary made... I need to get the reporting of my credit report and have them stop reporting because again i have no fault in this delay. I appreciate your time with this matter and hope that i can get some help with this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Requested accounts be verified. Received notification that account was verified. Original amount that was showing on report for a XXXX account went from {$6100.00} ( XXXX ) to {$61000.00}. 

Also added an additional account to report in the middle of investigation for other accounts. I do not know why account was added as was removed prior for identity theft, yet it was added without my knowledge.

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 2022-02-19
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXXXXXX XXXX  PAYMENT OF {$420.00}, WITH A CONFIRMATION NUMBER OF XXXX HAS BEEN RETURNED BY KIA MOTORS FINANCE. 
PAYMENT WAS MADE XX/XX/XXXX VIA XXXX XXXX OWN PAYMENT PROCESSING SERVICE KNOWN AS " XXXX '' AND INCLUDES A FEE OF {$2.00} cents. 
( PAYMENT WAS MADE FROM A PERSONAL CHECKING ACCOUNT ( XXXX ) OF XXXXXXXX XXXX ). 
PAYMENT WAS RETURNED BECAUSE KIA MOTORS FINANCE HAS ADDED UNJUSTIFIABLE " LATE '' FEES THAT WERE NOT INCLUDED XXXXXXXX XXXX PAYMENT. 
PLEASE SEE PHOTO OF MONEY ORDER MADE FOR XX/XX/XXXX, XXXX XXXX DAYS AFTER THE DUE DATE. 
KIA MOTORS FINANCE CLAIMS THAT PAYMENT WAS RECEIVED AFTER THE XXXX DAY GRACE. 
BUT THE DATE UPON THE MONEY ORDER XX/XX/22 IS WELL WITHIN THE " XXXX XXXX, '' WHICH WOULD BE THE XXXX OF EACH MONTH. 
WHAT GOOD BUSINESS DOES THIS : TURNS DOWN HUNDREDS FOR A " FEE '' LESS THAN XXXX DOLLARS??? 
( SEEMS PETTY AND UNJUSTIFIED TO ME ).

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 2021-11-11
Company: Atlanticus Services Corporation
State: CT
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 sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX/ATLS/FORTIVA is the company that is reporting this to XXXX and XXXX. As well as XXXX XXXX XXXX  is also reporting falsely. They removed it on XXXX but they were not able to remove it on XXXX and XXXX. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a dispute to Transunion about two items on my credit report that are fraudulent via mail and phone. Transunion is not only still reporting the fraud they have not addressed my dispute. By FCRA law they have to cease reporting the company in question until the investigation is completed. They have not done so nor have they initiated any investigation attempt.

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