BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
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: Account status incorrect

Complaint:
I've sent several CERTIFIED letters to the 3 credit reporting agencies EXPERIAN, XXXX, AND XXXX TO REMOVE INACCURATE INFORMATION ON MY CREDIT REPORTS, I HAVE CERTIFIED RECIEPTS DATED AS FAR BACK AS XXXX FOR INACCURATE INFORMATION TO BE REMOVED FROM MY CREDIT REPORT SUCH DIFFERENT OF LAST ACTIVITY, DIFFERENT OF DATES REPORTED, ACCOUNTS SHOWING PAST DUE THAT ARE IN COLLECTIONS, STATE LIMITATIONS RAN OUT ON MANAGEMENT REPORT THEY WERE ALSO SENT A CERTIFIED LETTER AS WELL AS XXXX XXXX  ALSO REPORTING DIFFERENT DATES OF ACTIVITY AS WELL AS SEVERAL PHONE CALLS HAVE BEEN MADE PLEASE HELP THANK YOU

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 2022-08-30
Company: SUNRISE CREDIT SERVICES, INC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted about a debt from XXXX XXXX XXXX XXXX for {$100.00} for not returning equipment and not paying the last bill. I sent payment to XXXX of XXXX of XXXX and requested cancellation of service in XXXX. I sent out the equipment for return in XXXX but there was an issue with XXXX  that required me to resend the package again in XXXX. I already had services set up by spectrum starting on XX/XX/XXXX of XXXX. I have confirmation of payment received and equipment received by XXXX. I called sunrise to dispute this issue. They gave me an email to send correspondence XXXX. I sent out an email with all attached documents in XXXX XXXX. I called XX/XX/XXXX and was told it was in review. I was also told in was still being reviewed when I called XXXX XXXX. I was told that it would be closed on XX/XX/XXXX of XXXX and it was removed from my XXXX report. It is still showing on XXXX and XXXX reports and now they have started to call me again to collect the debt and do not have any recollection of them reviewing or agreeing to close the account.

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 2018-08-07
Company: Choice Money Transfer, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I used an agent to transfer money to an account in XXXX on Friday XX/XX/17. Till date funds never showed up in recipients account. I contacted Agent of choice money transfer in New Jersey XXXX a subsidiary of ( small world financial service group ) today to ask for proof of transfer, they insisted they cant help me unless i provide recipients bank statement. I have spent numerous of my productive hours on the phone to no avail.The supposed recipient sent me a screen shot of their account i also spoke to an accounting officer who confirmed the money never made it into her account. 
Choice bank have been having me do the run around hanging up on me and constantly transferring from agent to agent. A receipt form the transfer agent has been attached for your verification. 
I have a right to receive a document of how the money was transfered out of their account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My ontime payment went through an inactive checking account on XX/XX/XXXX for my XXXX XXXX that I lease from XXXX XXXX XXXX due to automatic XXXX XXXX app on my XXXX, after I received an email from XXXX XXXX   that the payment won't go through due to inactive account status I immediately called XXXX XXXX XXXX on XX/XX/XXXX and I explain the situation, I've been told ( and they were recording this ) that there is NO need to do anything since on their end it was shown as paid! Nevertheless I offered to make a second payment on the same day using my new bank account from XXXX XXXX, I've been told again from the representative that since I made the second payment I have nothing to worry about and that the second payment will cover the first payment in case that it will be returned as unpaid, I also been told that they won't reported as late payment and everything is ok. Two months after they reported my XX/XX/XXXX payment as late payment which damaged severely my credit score, I blame XXXX XXXX XXXX for incompetence for lack of knowledge and for misinformed a loyal customer that is 100 % on time with payments with all creditors and three times XXXX customer with no late payments at all. 
After sending letter to the company explaining the situation for their error I received a letter telling me that my correspondence does not provide sufficient justification to change the way that they reporting my payment history to the consumer reporting agencies and as a result of my dispute they will provide an update to credit reporting agencies reflecting the results of their investigation. I tried numerous times adfter that to speak to somebody in the credit reporting department at XXXX XXXX   XXXX and they denied it all times!

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 2022-08-30
Company: ALLY FINANCIAL INC.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
When I got my first billing from Ally I noticed that I was being charged an interest of {$92.00} on a Zero %, 18 month loan when I replaced my HVAC unit in my home. Guy I spoke to said I will continue to get this interest charge added to my bill until my initial loan is paid in full and if I miss two payments it will autoimaticly be attached to my loan. I told him this was not disclosed to me at the time I file for the loan by either the HVAC company nor Ally bank reps. My HVAC company is " XXXX XXXX XXXX '' in XXXX XXXX Nevada. 
So I feel I was lied to about my loan app and Ally Bank failed to disclose this interest extra charge to me at the time of my app for the loan.

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 2018-12-19
Company: BBVA FINANCIAL CORPORATION
State: CA
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 XXXX is reporting incorrect info

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/2022, I wrote all three credit bureaus requesting deletion of old and unknown addresses and names. XXXX responded with deletions and the others have not.

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 2018-02-04
Company: CITIBANK, N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2017 Creditor tagged my consumer report as derogatory reporting discrepancies each time they update in which I am unable to get anyone on the phone to obtain supporting docs submitted by Sears referencing settlement of both accounts. Instead of removing the accounts upon receipt of lump sum payment they waited until a dispute came in the way both accounts were removed. They listed as charged off and still trying to collect more monies and damage my credit.

Citibank reports and update on XXXX reports several times within a month while Citibank and Sears report same account together as one on XXXX reports. I feel their practices is unfair. Citibank ( CBNA ) reports a remedy in comment section and tagging XXXX with Sears using the same address

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 2022-08-30
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
my home is being foreclose on with fraudulent assignments. All of companies listed in the chain of title are all robo signed. AURORA WAS SOLD IN XXXX the last assignment was transferred by XXXX  is clearly fraudulent. the XXXX XXXX sold and traded millions of fraudulent loans and my loan was one the millions The accounts numbers were changed alternation of the contract is voiding the contract signed in XXXX. This loan was apart of the global wide settlement act with the USA department of justice. I mailed 2 QWR and a debt validation letter neither have been answered

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX XXXX 2017 I attempted to purchase something on my XXXX XXXX Card issued by American Express. The value was {$2600.00} of the purchase. The purchase went through and a month later the same amount was refunded to me by the same vendor. I had a positive balance on my credit card I then had called into American Express to have refunded to me. The date that American Express claims they issued me a check to come in the mail was XXXX XXXX 2017. When I called to inquire as to the details of said check 's arrival, I was given no information other than it was sent on XXXX XXXX 2017. When I inquired to have a new check overnighted to me, they claimed they were unable to do that. I am without {$2600.00} of the amount that was refunded to me and would like for American Express to now respond to a CFPB complaint and inform them why it has taken so long to refund a customer 's money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-30
Company: Paypal Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022 {$110.00} I answered a phone call from XXXX XXXX XXXX XXXX. They asked how was I going to pay a debt on a PayPal account. I told them I wasn't paying anything because it can't be my debt because I never had a PayPal account. I also received a letter from XXXX XXXX XXXX XXXX and returned it and checked not my debt. Also, in the returned letter I told them I have never had a PayPal account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I signed up years ago for Experian 's free sporadic emails on credit. I received a thank you for checking my report in XX/XX/22, see a loan I do not recognize, and a a credit card was requested in my name. Experian 's voice system does not allow for a caller to reach a human being, asks for information up front twice ( odd AND I fear XXXX ), and does not allow me to report fraud ( only get a credit report which will go somewhere else, freeze credit which does not fix past damage, and hear explanations ). 

Your role under the FCRA is to keep these data havesters in line. Please assist

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 2017-04-21
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I went to a  PNC  atm machine outside of the PNC bank  XXXX   XXXX   XXXX , PA. On   XXXX   XXXX  2017   , approx.  XXXX  I withdrew {$180.00} at this time all the bills came out " mushed ''. I was able to remove {$140.00} of the {$180.00}. At this point the ATM rebooted I withdrew {$1.00} in hopes of pushing the other {$40.00} out, but only the {$1.00} came out. I called PNC, then went to the branch where it happened and notified them. At this point the branch manager told me even though the atm is a PNC ATM and apart of the branch building, they ( the branch ) does not operate the ATM. They filed a dispute and credited me the {$40.00}. On   XXXX   17  I received a letter from PNC declining my dispute. I returned to the branch where the incident happened and spoke to the branch manager, who said the most they could do was file another complaint. At this point I said " There is no guarantee of my money when using their brand ATM. '' The branch manager responded, that was correct. I then asked for the phone numbers for the FDIC, and CFPB. She refused to provide those numbers. My concern is that no consumers money is safe at PNC, and as well as my own specific incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: SANTANDER HOLDINGS USA, INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
on XXXX XXXX XXXX XXXX a living woman, had a loan done with XXXX on XX/XX/2022 she put a deposit over the phone for a hold on a XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX the credit report states a loan for the XXXX of XXXX on XX/XX/XXXX Santander opened an account for a loan. a XXXX XXXX was made on the vehicle in a credit transaction. no rescind act. no truth and lending act

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Accounts Management, Inc
State: SD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt collection company tried only 2 times in 6 months to send a letter telling me a medical debt from a hospital was with them. I had moved. I was not getting these notices. They said they tried calling me, they had an old number. I received in the mail at my new address a potential judgement from the clerk of courts. I called the debt collection company that of them I had no idea this was going on and I could pay {$500.00} a month til the {$2500.00} balance was gone. Of course it had gone to far. So I faxed the clerk of courts and stated what I just stated. I denied the claim because they only tried twice in 6 months to contact me and that I could and would work out a payment plan with them. Still the judgment came through today. Is this legal?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I noticed over {$20000.00} worth of fraudulent charges on my credit card with Citi Bank. I immediately contacted Citi to report the fraud. The charges were made on XX/XX/XXXX and I reported on XX/XX/XXXX. I closed my card and they issued a new card. 
The charges were made to XXXX XXXX and XXXX XXXX XXXX XXXX. I did not receive any fraud alerts from Citi nor any calls to approve these transactions. 
Citi refuses to provide provisional credit. They state they do not have to provide provisional credit for fraud disputes. My card is at it's limit and I can not use my card. 
It is my understanding that Reg E requires them to issue provisional credit with in 10 business days of notification. Their response is that they do not provide credit until after the 60 day review period. 
I am being denied access to my credit card usage because I am over my card limit because of these charges. My credit score will also be adversely impacted because of the high amount of unsecured debt.

I have called Citi several times a week and have answered all of their questions including on XX/XX/XXXX and 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 monetary relief
Consumer complaint received 2022-08-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: EQUIFAX, INC.
State: FL
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:
Please remove the items in Identity theft because they are not belong to me and not related to any transactions made by me. 
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. I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: U.S. BANCORP
State: CA
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:
US Bank is reporting incorrect info

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 2022-08-30
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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
On XX/XX/2022 {$200.00} was transferred from my Capital One Bank account to XXXX XXXX. I did not initiate this transfer. On that same day I checked my XXXX XXXX and the funds were never deposited so I did a fraud investigation. Capital One Bank provided a provisional credit of {$200.00} and took it back after my claim was denied. I provided documentation showing the funds never came to me and disputed it again with the same results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
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: Account information incorrect

Complaint:
I settled my XXXX XXXX credit card charge off. XXXX XXXX did not report the change. I filed a dispute with the credit bureaus asking they correct or delete the inaccurate information. XXXX XXXX verified inaccurate information and the credit bureaus are refusing to correct or remove the inaccurate information. If this is not corrected i will seek a consumer protection attorney to pursue legal action for violation of the FCRA.

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