BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
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:
Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. However, if they failed to do so, they are obliged to remove the account which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of : 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 2018-06-07
Company: Experian Information Solutions 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:
PLEASE BE ADVISED THAT I AM SUBMITTING A TOTAL OF ( 5 ) COMPLAINTS THAT ARE TOTALLY DIFFERENT, SO PLEASE READ THEM IN THEIR ENTIRETY. HOWEVER, IT'S IN ALL CAPS BECAUSE I WANT IT TO STAND OUT. THANKS! 
Experian has failed to respond to my dispute within the ( 30 ) day timeframe that's required by law according to FCRA 611 ( 15 U.S.C. 1681I ) ( a ) ( 1 ) ( A ). However, it's been approximately ( 172 ) days and no response yet. More so, Experian keep adding an ( 90 ) day fraud alert extension onto my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Capstone Credit & Collection, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX I received a letter from Capstone Credit & Collections, LLC with the following statement : " As you are aware from our original letter, your account was placed with our office some time ago and remains seriously past due. As of this date, our client has agreed to settle the above referenced account for a lump sum payment of 75 % of the current balance if received within 30 days of the date of this letter. '' The problem, is that I never received any prior notification from this agency, or any information about the debt at all from the original creditor. 

After receiving the letter, I noticed a " derogatory '' account on my credit report - which of course had a significant negative impact. 

This debt was a surprise to me, and I feel the verbiage of the letter was intended to elicit panic and immediate action/payment on my part - and the fact that I never received any prior notification from them, seems deceptive and inappropriate. 

I am not sure of the timing of the debt, but from what I can tell, it is from earlier this year. I was employed prior to the pandemic, and assuming the debt was valid, could have investigated/resolved the issue before it suddenly appeared on my credit report. I have made an effort to repair my credit over the years ... and this surprise derogatory account on my credit ( with no prior warning - even from the original creditor! ) will certainly affect my financial recovery - and have a negative impact on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
the following accounts appear on my credit report, without any authorization, they are not mine. 
Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX SVCS Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a complete payment for my credit card in store but even though it says on my credit card issuer 's website that the payment was complete. They are still charging me the same amount plus the overdue fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-10
Company: HW Holding, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Before COVID-19 happened my fiance and I were set to go to tenant court for repairs that our landlord failed to make on an apartment unit we were renting. We had code enforcement officers come out and issue tickets and notices to the company to make repairs that were never fully completed so we found a new place to live and moved away. The court date we had got cancelled due to to the pandemic as well as the eviction moratorium so we were unable and still are unable to settle this matter in front of a judge. I asked the creditor for confirmation of the debt and was sent a final bill which had the past due rent amounts listed which is not conformation of any kind of debt owed as part of our lease agreement was that the unit we were renting would be livable up to code which it was not. I attached pictures which we have many many more of as well as a chronological timeline of everything that happened.

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 2020-06-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
An important letter in regards to billing and balance issues was mailed to an address I do not reside at in XX/XX/XXXX. I received no phone contact regarding resolutions for that outstanding balance from CITI. 

Due to COVID I was unable to receive that important hardcopy letter until XX/XX/XXXX when it was considered safe/allowed to travel according to the XXXX of California. During the pandemic ( XXXX through XXXX months, the most dangerous in California ), CITI sold the account to a debt collector. 

Debt Amount {$4700.00} Member since XXXX ( seven years history of good standing and payments ). 

During the pandemic, I have tried numerous times to get a hold of CITI customer service department at XXXX* but had to wait online for long periods of time without being connected. Thus, I was unable to resolve the issue with my account or even to suspend payments due to COVID. At that point I would have been able to work out a solution as well.

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 2019-07-16
Company: MoneyLion Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'm filing this complaint against MoneyLion bank ( XXXX XXXX XXXX ) for the following two major issues I'm facing from them. 

1 ) They are not honoring their promotional offer to credit 17 % of the direct deposit amount into my account although I have met all the conditions specified in the offer and bonus payout is overdue from their side as of XX/XX/2019. I opted-in for this offer in their app at the time of signup and they confirmed the same to me via email confirmation that I am eligible for the promotional bonus. 

Here are the exact terms and conditions of the offer : .. 
MoneyLion is offering a bonus of up to {$590.00} as part of their pave the wage campaign to highlight pay inequality between genders. To receive the bonus you need to : - Join MoneyLion - Set up a direct deposit of $ 500+ - Opt in to bonus - Maintain direct deposit for 90 days to get bonus ( this needs to be 90 % of your initial direct deposit ) - Bonus you receive will be 17 % of your first direct deposit I have fulfilled all the conditions as of XX/XX/2019 but they are saying that they want me to send them an Opt-in confirmation which I never received due to their faulty system. I thought they might do a fraud like this so I emailed them and confirmed my eligibility in writing from them. 

See a lot of comments from aggrieved customers at the bottom of this page talking about the same fraudulent behavior Moneylion is subjecting them to : https : XXXX 2 ) I'm unable to transfer out any money from my MoneyLion account to my external bank accounts. They are holding my money for last 4 months now. I have tried adding three external bank accounts and none of them show up in the transfers window in their app. They don't respond to the helpdesk tickets filed on their app or website and I'm getting only canned responses directing me to their help articles. Also, when I get to talk to someone on their phone helpline they aren't able to admit the problem and are unable resolve the issue for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: SYNCHRONY FINANCIAL
State: NY
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:
Hard inquiry from SYNCB National Credit Cards/Airlines dated XX/XX/2018 on my credit and I never applied for this card. 

Synchrony claims they don't own the account and that it's a known error with XXXX XXXX. XXXX XXXX tells you to contact the credit bureaus and then XXXX  tells you to contact Synchrony. So Im constantly getting the run around. Please remove this hard inquiry off my credit report with 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 2019-07-16
Company: Monterey Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contact them told them this was not my debt and I have no knowledge of this debt. My personal information was stolen and I told them that

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Experian Information Solutions Inc.
State: NY
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 delete this inaccurate information from my report. XXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX. I don't have or never have XXXX and I never was late on anything I just saw this contacted cards they said its too late. Please help

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 2018-06-07
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/18 I received a unexpected transfer into my XXXX account. Unbeknownst to me a relative had meant to send money to a different recipient. I researched XXXX help page and learned that XXXX  would return a payment made by mistake at the request of the payee with the recipients permission. ( See attached ) The recipient requested a cancellation so I contacted XXXX customer service via chat within their app. I informed them of the situation and authorized the payment to be cancelled, as it was still in XXXX system - as is required according to the help page ( Reference attachment ). I was told this wasnt possible because my account was frozen and that theyd paid something on my behalf ( which I didnt authorize ). They informed me that in order to cancel the payment I would be required pay my balance. I was unable to pay it in full at the time and didnt know theyd even made a payment on my behalf. I could find no verbiage in any disclosure that contradicts what their help page states. The verbiage on their page is misleading in stating that after the recipient contacts XXXX to confirm cancellation that ( XXXX Customer Service ) would be happy to take care of the rest. The customer service agent ( s ) I spoke with were very unhelpful and unprofessional. 

XXXX chose to hold a payment that wasnt authorized for me in order to have me pay a balance on my account. Furthermore, XXXX wouldnt let me make a payment on my account from my current balance ( which at this point now had {$400.00} of someone elses money which they were holding hostage ) -forcing me to make a payment with an outside payment source in order to collect fees. Between misleading information regarding the process of cancelling a payment and the fact that they are holding or forcing me to hold money that was not intended for me and thus doesnt belong to me, I believe XXXX has violated CFPB regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Mortgage is through Rushmore loan management. We are now in mediation. I applied for a loan modification in XX/XX/XXXX which was approved so I started making the payment via verifiable funds ( XXXX XXXX ). For six months I made payments. In XX/XX/XXXX I had to have XXXX and my short term XXXX was declined. So again I fell behind. Now according to them they sent me papers confirming my modification after the 6 months of payments which I never received. Not knowing the modification was not final and falling behind again, I request another modification. Now I found out that the payments I made in XXXX went back to XX/XX/XXXX. Which put me 19 months behind, So of course I tried to work it out and requested a new modification. That was denied so I appealed and it was denied as a FINAL denial. So now mediation. Well at mediation XX/XX/XXXX I was informed that my fixed rate loan was changed to a ARM and it has doubled my payment plus the late fees and repayment plan. Over 3000.00 a month they want. I never like this company and have heard of many people to whom have also had issues with them. They are hard to get on the phone don't return calls and never give you all the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Ive been a victim of identity theft, these accounts do not belong 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 2020-06-25
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 information incorrect

Complaint:
Equifax is incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: OneMain Finance Corporation
State: NC
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:
XXXX, Disputes/Fraud Dept. of XXXX XXXX EST on XX/XX/2020, could not see or would not admit she sees, on her end, XXXX credit report reporting on XX/XX/2020, that Springleaf account connected to fraud complaint # : XXXX, reads as to this day, in bold, black letters, that this Springleaf account is marked CLOSED. XXXX  then can not see, or will not admit to see, their own data. This is a big accountability/logistics problem in itself. This is the second CRA that could not or would not see a creditor account as closed. See attached screenshots.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The bank rearranged the orders of the credits and debits. This tends to make it seem like you have more money than you do. sometimes it makes it less money. On the XX/XX/XXXX I didnt have over {$1000.00}. I didnt have that in the 3 days prior either. On that money when I de tied the {$400.00}. I should have only had {$400.00} left.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/XXXX, DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX bankruptcy Filed on XX/XX/XXXX XXXX number : 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 2021-05-24
Company: Unifin Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX stating that I owed {$600.00} and when I checked my credit report they had reported an unpaid account for that amount. I contacted XXXX, they told me to contact unifin which I did. The representative at unifin told me I needed to do my own research and pay my bills if I had a problem with something on my credit report. They would not give me any info about the debt. XXXX finally told me it was XXXX credit. So I contacted XXXX. They told me to contact XXXX XXXX XXXX did not provide any info. I never opened or authorized a XXXX credit account and still have no idea what the charge is for. These four companies are holding my credit hostage unless I pay {$600.00} that I have no knowledge of ever incurring. Please help me understand how the XXXX credit account was ever opened without my knowledge and why cant anyone tell me anything about it. Why did I first learn of the debt after it was reported to the credit bureaus? When I requested in writing that XXXX send me debt verification, they sent me back a form letter stating that they needed more info from me. My request included the XXXX reference number, unifin reference number, synchrony account number as well as my name address and social. How can they do this to people?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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/XXXX, Capital One allowed a charge from XXXX XXXX XXXX to process for {$2000.00}. My credit limit is only for {$600.00}. These charges have been in dispute since XX/XX/XXXX and the company continually misfiled the category. Originally the claim was filed as a " fraud :, then Capital One changed the category to " dispute ''. This happened twice which caused the 180 day time to expire with XXXX. I have attempted to resolve this issue several times and Capital One is the one who is ultimately responsible. They were notified about the wrong amount and given documentation since last year. The company should have completed their due diligence and proper research to ensure that the dispute was filed accordingly and timely. The amounts have constantly changed throughout this investigation and process. No amount matches any contracts that were sent over to Capital One. Each time that Capital One requested documents they were uploaded through an internal link. Each time Capital One requested documentation, they received it from me.

Company response to consumer: Closed with explanation