BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-24
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Past Complaint # : XXXX XXXX, ONLINE PAYDAY ADVANCE Am being billed, {$250.00} for a Payday Advance Loan from XXXX Online, that was never deposited into my checking account. 


I am a 'victim of crime ', Marsy 's Law, with the District Attorney 's office in XXXX XXXXo , as of XX/XX/XXXX. 

Victim of Crime XXXX District Attorney XXXX XXXX County of XXXX XXXX District Attorney 's Office. 

Victim of Identity Theft Marsy 's Law. 
XXXX XXXX Date occurred : XX/XX/XXXX IDENTITY THEFT has been reported to my XXXX CREDIT REPORT. 
XXXX XXXX CREDIT REPORT, INFO : XX/XX/XXXX A fraud alert has appeared on your credit report. 

( Please note : the presence of a fraud alert may be repeatedly reported while it is still on your file. ) Processed Date : ( XX/XX/XXXX ) Alert Id : XXXX Alert Type : Fraud Alert Date Reported : ( XX/XX/XXXX ) Comments : Statement added because consumer was a victim of True-Name Fraud. 
ALERT # : XXXX # IFCRA I would like my past due : {$310.00}, removed from my XXXX XXXX XXXX   account. 

Thank you, XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citibank closed my credit card of 5 years without any warning or reason. I have never had a late payment on the card and ensured it was properly managed. This adversely affected my credit score since it was the only credit card I had and wiped out my entire credit history. I am trying to recover on the shock on my credit score. 
On a separate note, I got a mail that they'll be closing my checking and savings accounts but nothing on my credit card, for no reason! However, while inquiring from one of the branches, I was told it could be because I have family in XXXX which is a high-risk country. I was also told my bank contract has a clause that the company can close my accounts without any credible reason. However, discrimination should not be allowed on any level. This is a big discrimination, as I have this account since my student days and when I got a full time job. On no occasion, did they give me a credible reason why they would closed my checking/savings accounts and did not have the courtesy to warn me before closing my credit card.

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 2020-01-28
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or around the week of XX/XX/XXXX we received two phone calls from Raymour and Flanigan XXXX stating our furniture would be delivered to XXXX XXXX XXXX, XXXX, PA. We called the number left on the voice message and told them we did not purchase any furniture and certainly not to that address. They stated, Ok, we must have had the wrong number. 

I logged into my TD bank ( Raymour and Flanigan ) account on Sunday the XXXX and found two charges one dated XX/XX/XXXX in the amount of XXXX and one dated XX/XX/XXXX in the amount of XXXX. 

I immediately called TD bank and alerted them to the fraudulent charges. They placed the charged in dispute. I also called Raymour and Flanagan 's fraud department, spoke to a man named XXXX, who confirmed that the orders were placed online at the XXXX store and the buyers were supposed to come in an confirm identity. He also confirmed the above delivery address. He was supposed to check the store camera 's to see who the people were. He opened fraud case and assigned a case #. 

TD bank sent me a letter dated XX/XX/XXXX confirming my dispute. They sent a letter again on XX/XX/XXXX confirming the above amounts were in dispute. They sent me a letter on XX/XX/XXXX stating a credit would be placed on my account for the full amount. 

XX/XX/XXXX I get a invoice directly from Raymour and Flanigan with a new account number which I did not authorize with two identical lines items listed as " balance transfers '', totally ignoring my original dispute and their own case #.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: VELO LAW OFFICE
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted Velo law today multiple times after finding their information on my credit report. I was hung up on 5 times for not wanting to verify my social security number. While I was on the phone with them my friend said they already talked with her, called her my spouse, and tried to get payment. When I was connected with someone else who used other information for verification I explained they tried sending mail to a rehab treatment center and for obvious reasons the treatment center didn't allow that. I also explained that I should have never received a bill, XXXX XXXX XXXX XXXX under XX/XX/XXXX XXXX XXXX XXXX. They have placed me on a do no communicate list and said if I want any information I need to write them. I'd rather go in person because of XXXX. I told them sending a letter is difficult without some type of assistance and they hung up on me again. Everyone with the company calls themselves XXXX but they demand first and last name, address, and date of birth. There is no way to make a complaint and they recommend getting a lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX I need to make a complaint on a dispute I did withXX/XX/XXXX because I never receive my item and the bank agent telling me I cant dispute it now and other ones from yesterday tell me I can dispute when my transactions are processed to my account now the agents telling me I cant dispute I tell them what the other agents tell me yesterday and I got scammed and I need the {$210.00} claim to be reopened and processed the claim number is XXXX and I need the {$14.00} claim to be refunded too and processed the claim number is XXXX my address is XXXX XXXX XXXX XXXX XXXX PA XXXX and contact phone number 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 monetary relief
Consumer complaint received 2018-06-04
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
I was misinformed about when to pay and now I have a late payment on my credit score

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 2020-09-08
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job in XXXX, XXXX and did not find new employment until XX/XX/XXXX. When I resumed working I contacted my lender and we worked out a repayment plan for me to catch up on the payments I was behind. I attempted to apply for a permanent loan modification to catch me up and enter into a stable payment. I was told my hardship was not resolved however I was back to work and it had been resolved. I hired XXXX XXXX Firm to negotiate with my lender a modification. On XX/XX/XXXX I contacted my lender and was put on the CARES forbearance plan due to my income fluctuating while I adjusted to the new restrictions. On XX/XX/XXXX I again spoke to XXXX XXXX and my income had become stable. XXXX XXXX called and spoke to XXXX ID XXXX who advised that the past due would automatically be deferred and I could begin my prior payments in XXXX. The legal assistant was told that I would have to call because a third party could not take me off the forbearance and move forward with the deferral. I called and was told that I needed to send a full loss mitigation package. I had applied and received a homestead tax exemption lowering my payment about {$1400.00} annually. I was told that I would be able to get a deferral and start paying again and now the process may take months increasing my debt. my servicer told my representative something but had me call to offer me something else and I was mislead and given inaccurate information.

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act l Credit Acceptance Corporation has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Have had multiple fraud problems with target since there breach. There online services is never up been trying for days. The amount in dispute is {$320.00} dollars. I contacted them once I found out about the fraud. They accused me of making the purchase because the pin was used. They never looked into the case or pulled footage. They denied the claim because pin was used and not changed before fraud. The card was in my possession. I called back on XX/XX/19 and was Informed I am being held liable even though again they have been breached multiple times and did not actually inquire into the matter. If they would have pulled footage from there own store they could clearly see the purchase was not made by me or anyone I am associated with

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23
Company: CITIBANK, N.A.
State: TX
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:
On XX/XX/2020 I re-submitted dispute XXXX once again with a detailed letter disputing part of the {$310.00} charge on XX/XX/2020 from XXXX XXXX XXXX XXXX. In my letter I explained the attached billing statement reflected duplicate tax charges & charges for items I either did not receive or where included with my reservation. I explained the merchant stated they would correct the over billing but has failed to do so. I highlighted items individually which were billed in error to assist with Citi 's investigation. 

Citi 's response indicated Citi 's dispute resolution department failed to fully read or review my letter or attached documentation stating they found the charge valid because the billing statement which I indicated had several errors on it was for the same amount of the charge posted, which was over billed. 

I attempted to contact Citi via their online chat due to their limited phone support, which is only open during my normal business hours which I am unable to take the time off in order to wait on their extremely long hold times to correct an error they made themselves. The Citi support agent stated he was unable to help I would have to submit a letter, which I have already done twice and Citi continues to refuse to fully review or read.

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 2019-11-01
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: Account status incorrect

Complaint:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX not mine XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Complaining about not assisting me with inaccurate credit report information. Inaccurate credit inquiries on report. 

XXXX XXXX XXXX - date : XXXX/XXXX/XXXX XXXX - XXXX and XXXX/XXXX/XXXX XXXX XXXX - date : XXXX/XXXX/XXXX XXXX XXXX - XXXX and XXXX/XXXX/XXXX XXXX/XXXX - XXXX XXXX XXXX - date : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) - date : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX XXXX - date : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and 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 explanation
Consumer complaint received 2020-09-08
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 we tried to apply for a mortgage with XXXX on behalf of myself and my mother ( XXXX XXXX XXXX ) we were told that Equifax had her listed as deceased and was therefore unable to process her credit report. 

We spent at least two hours on the phone with Equifax on XX/XX/XXXX and were finally told that the problem would be rectified within 30 days, and that we would receive a letter that confirmed that the issue had been addressed. 

On XX/XX/XXXX, it had been over 30 days. We had not received a letter that said that the problem was resolved, but we called to inquire about the status. Equifax said that she is no longer listed as deceased in their records. 

Unfortunately, when XXXX XXXX  tried to then run a credit check on my mother to proceed with her mortgage, she is still listed as deceased. They have not resolved the problem, and everytime we ask XXXX XXXX  to pull her credit ( three times now ) her credit is dinged as a result. 

Most frustratingly, we have been trying to resolve this with Equifax but they either insist that it is resolved or say that they are the wrong person to help, and pass us on to the next operator, who is also unable to address the issue. We have been on the phone with them non-stop for five hours straight and still nobody can help us. 

Equifax is not able to address the problem after 30 days of them incorrectly listing XXXX XXXX XXXX as deceased, and they have terrible customer service who are incapable of addressing the problem so just pass us on to the next person who also can't help. As a result of their incompetence, my XXXX year old recently unemployed mother is unable to move ahead with selling her apartment and purchasing a new home, which she needs to do for economic reasons. It has been weeks with no resolution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: CarMax, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is regarding Carmax and a GAP insurance regarding an automobile which was supposedly traded in for another and resulted in theft and fraud against my person. 
The issue revolves around a XXXX XXXX XXXX, which was traded at XXXX XXXX XXXX XXXX XXXX and which was subsequently stolen by the company after they never made payments. The XXXX I had had an extensive GAP insurance which I paid into without any problem or late history and which was intact when the car was traded into what i believed was a legitimate company. When I was defrauded by XXXX XXXX XXXX XXXX XXXX, I immediately contacted anyone who would help me, including an Attorney by the name of XXXX XXXX XXXX. Who I contracted to help me get XXXX XXXX XXXX XXXX XXXX to comply with my requests, to no avail. 
During this time Carmax has reported the car as a repo/default on my consumer credit files and refuses to look into this matter. Numerous disputes have gone nowhere. 

I have and am including the contract from Carmax and the GAP insurance with specificity to the clauses which cover theft or other matters. Carmax may have forgotten that I signed for this and made my payments on time with no derogatory marks. When I need them to look into the matter nothing comes of it. 

I would ask assistance in this matter by the CFPB to help mediate the matter. To help me get Carmax to comply and conduct an actual investigation into the matter and assist me in getting this error in reporting removed from my files so I can move forward and put this terrible ordeal behind me. 

The attorney that assisted me during this time was : Mr. XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed a medical debt that ARS says I owe. I have repeatedly requested in the last year documentation and signatures to verify this information. The company has refused to provide anything after several attempts at communication and dispute with the CRAs including XXXX XXXX as well as directly. According to the FCRA this is a violation of federal law to continue to report this inaccurate information. I have not been to an ER. This has adversely affected my credit my score and my interest and my ability to obtain credit. I am again requesting any and all documentation and or signatures that claim I am responsible for this debt if not I would like it removed immediately or action to be taken in the form of a a lawsuit and or fine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: ONLINE Information Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received an email saying Major Derogatory Account detected on credit file. Called XXXX to find out that it was a utility bill from TX. The company sent the info to collections. XXXX XXXX is the company and the account number XXXX. 
They used my personal information and spelled my first name XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it. Yes, if it has been 30 days since the final payment resolving your account successfully posted, PRA requested the credit reporting agencies delete the PRA tradeline related to your account from your credit bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: EQUIFAX, INC.
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:
A security freeze was placed on my XXXX report on XX/XX/2020. I also placed a freeze on my XXXX XXXX XXXX XXXX report on XX/XX/2020. I do have verification for these freezes if needed. XXXX has continued to verify personal information reporting to my credit report post-freeze. I have letters from Equifax ( XX/XX/2020 ), XXXX  ( XX/XX/2020 ), and XXXX  ( XX/XX/2020 ) stating that public records on my report were verified using XXXX. I received a letter from the courthouse stating that they do not sell or report public records concerning bankruptcy filings to any third party agencies or credit bureaus. The reporting from the three major bureaus do not match one another as they are required to. I have disputed the inaccuracy of the reporting and nothing has changed. The court names are incorrect, the filing dates do not match and they are incorrect, the reference numbers are all different. I have disputed this information with Equifax, XXXX  and XXXX  multiple times and the information comes back verified each time with the same response : " obtained through a third party vendor XXXX XXXX XXXX XXXX XXXX ''. I know that the law states that the bureaus are required to report all accurate information on consumer reports, and that has not been the case for me. I am aware that data obtained for a consumer report must be validated through the original furnisher and the original furnisher stated in writing that they do not share info with 3rd parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$18000.00} XXXX   XXXX {$2200.00} XXXX XXXX {$750.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX   XXXX {$5500.00} XXXX XXXX {$5500.00} DEPTEDXXXX XXXX {$4500.00} DEPTEDXXXX   XXXX {$3000.00}

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