BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the items was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below 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 2021-02-04
Company: EQUIFAX, INC.
State: MI
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 made several disputes to XXXX, Equifax, and XXXX  about an account that they are reporting wrong they account was charged off now its reporting as an open account. I also sent proof of my claim and they still refused to correct the errors. Now to the date of this complaint the account has been Re-aged but they say it accurate how if there has been no agreements or payments made on the account? How can they all have different ( dola ) dates Date of Last activity but all be accurate for the same account theres only one account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Ms. XXXX XXXX called me at XXXX XXXX central time in the morning and did not verified the person for the debt. I asked for your her information and her to call here anymore. This practice is unacceptable and should not be tolerated.The company is Portfolio Recovery and the telephone is area code XXXX. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX I paid my balance in full with Citi as well as multiple other creditors. Current utilization is 15 %. I used the card for large purchases since were building our home and utilizing that credit to assist us. I paid that balance again down to XXXX. I received notice shortly after that ( XX/XX/XXXX ) that my limit was being decreased from {$9500.00} to {$600.00} which is almost a 95 % decrease due to substantial debt owed to other creditors. Ive contacted them multiple times and even submitted documentation to support the correct balances being XXXX  and having low utilization. Ive submitted current credit report information showing the correct balances as well. Ive submitted screenshots of bank accounts to show over $ XXXX in savings to support my higher limit. Citi refuses to work with me and return the limit to where it was. This could have a severe impact on our home build.

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 2020-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was in a accident in XXXX. I have loan with XXXX  XXXX. They have no remorse for there customers. Im trying to refinance my car to go to another bank but I cant because I was reported late to the credit bureaus. This is a severe situation. I believe there ploicy is to keep you with them. I pleaded with severe hardship.I lost an XXXX  and Im so distaught my family is to I need help please I need the XXXX late removed please

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 2022-10-04
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Account still does not work properly. Paypal is refusing to provide adequate support to resolve the issues. Paypals last reply on XX/XX/22 which for some reason closed the case even though it did not fix or resolve any of the issues, and did not override any error messages, and other funding sources do not work. No other funding source available. None of them work. Transactions cant be processed. XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: CITIBANK, N.A.
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
We received charges on our Citibank credit card on XXXX XXXX, 2020 from XXXX XXXX XXXX for {$11.00} and {$18.00}. We did not make these charges. Citicard is investigating them. Again, on XXXX XXXX we saw a charge for XXXX XXXX XXXX , XXXX for {$34.00}. Later we saw 4 charges for the same place on XXXX XXXX of {$68.00}, {$150.00}, {$600.00} and {$1000.00}. We did not make these charges nor were we at the place of business. Citicard asked me if the card was in our possession on XXXX XXXX and I told them yes. They are denying our claim of fraud and said we had to have made the charges. We did not. We have opened up the case twice with Citibank and they have denied us twice. They will not listen to what we are telling them. We have also had the same type of charges with our XXXX Debit card with XXXX XXXX   and XXXX XXXX XXXX XXXX Charges totaled {$2300.00}. XXXX investigated the charges and told us it was fraud and refunded our money. It is ridiculous that we will now have to pay out of our pocket for fraudulent charges we did not make because Citibank will not investigate or listen to our claim. To our best guess, I think our cards were compromised at the XXXX XXXX XXXX but I have no proof of that.

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 2018-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXXeeds Attention Last reported : XX/XX/XXXX {$9700.00} XXXX Days Late XXXX XXXX Last reported : XX/XX/XXXX {$5000.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$4900.00} GoodThe items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2023-07-27
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: Information belongs to someone else

Complaint:
I am filing this complaint again just to make sure that when I update my XXXX credit reports next time these items will already be removed. I repeat, I am a victim of identity theft, and these items were not created or authorized by me. I am requesting that this information be reviewed for completeness, accuracy, and appropriateness in compliance with the FCRA. Instead of sending the information, please ensure that a thorough investigation is carried out, and this items will be DELETED. I would appreciate a prompt response indicating the activities that will be taken to fix this situation. If I do not receive a response, I shall be forced to utilize my legal rights and take legal action : XXXX : XXXX XXXX XXXX XXXX, XXXX, KY, XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX  XXXX Balance : {$330.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX & XXXX XXXX XXXX XXXX : {$360.00} XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX TRANSUNION : XXXX, GA, XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX : {$0.00} CAF XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$2100.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$330.00}

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 non-monetary relief
Consumer complaint received 2016-10-26
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
bogus charges added to payoff. 

my loan is current so i 'm not sure why i 'm being charged {$950.00} for civil litigation??? 

i also recently ordered a payoff and was charged {$30.00}. At NO point during ordering said payoff was i advised of ANY fee. 

I also was charged {$13.00} for a satisfaction cost? i 'm not sure what 's been satisfied???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: WELLS FARGO & COMPANY
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Large amount of money went in my account and came out by wire transfer. And they are holding XXXX since XX/XX/2022 2022

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 2022-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a statement in the mail on yesterday XXXX XXXX regarding an account that was opened on XX/XX/XXXX that I had no knowledge of. After posting this incident on XXXX, it appears that multiple people have received the same notification. Accounts are being open in individuals names that they are not in aware of. Im not sure if this is the bank, Bank of America doing this or if theres an outside entity. However, I am requesting that does matter be looked into

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 2021-01-23
Company: EQUIFAX, INC.
State: IN
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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2020-02-03
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company illegally bought an account that was attached to my name during a time of identity theft. The also illegally furnished my credit report with false information without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Good Morning, My Name is XXXX XXXX. I been having a problem with Macys due to a cashiers check. I took out a consolidated loan from Credit Union back in XXXX of XXXX one of the checks i received was for Macys in the amount of {$310.00}. I went to the actual store in XXXX Tx to give them the check in which they took ad also received a receipt stating the payment was received. Within a couple of weeks the credit posted to my account, i later verified that the payment was place back on my account. When i called the agent on the line advised me that no payment was ever made so they made me send over proof. I was able to get proof from my bank and had that sent over to them. I waited a while before calling back again and they advised me the information sent over wasnt enough proof so we sent over the actual check where it was showing cashed front and back. They told me to wait for someone to call me but they never did. This was going on for months. It has already been over year dealing with Macys and nothing has been resolved they just keep sending me back to the bank. I spoke with multiple supervisors and managers and no one was able to assist further. I spoke with Credit Union and they gave me a letter head stating that the check was cashed on XX/XX/XXXX, i sent proof of the check front and back and also of the letter in XX/XX/XXXX we just called Macys again since we never received a call about the information we sent and got to peak with an agent in which we escalated to a supervisor due to the timeframe. We spoke with XXXX ID # XXXX Who was very RUDE. Kept speaking over me, and by shutting me up she placed me on hold for over 15 minutes. My wife took over the phone and asked to speak with someone above her and kept denying her the right to speak with someone else and was getting an attitude. When we advised we were going to place a complaint she said its fine like she didnt care. We have been dealing with Macys for over a year with sending multiple proof/calling more than 15 to 20 times to try and get a resolution since were not only paying for interest with Macys but also interest from our bank. I been patient enough for one year and been dealing with alot from them including twice now they are saying i am past due when i am not since the payment was made and the check was cashed. Not only do i like to place a complaint, but i feel that i should be rewarded for the incompetency of the company not willing to assist me when i been a client for multiple years, but also for my time of all the calls i have made, all the faxing and all the fees, and interest i was being charged for.

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 2020-07-08
Company: Experian Information Solutions Inc.
State: DE
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:
This was a credit card which was opened and used fraudulently and when I reported this to XXXX they investigated and agreed to close the account and all charges were considered fraud. Now I see this account as a debt and charged off which is totally misrepresentation of facts. I was categorically advised that final determination of the investigation was that these were fraudulent charges. I will be filing a legal remedy in this matter as well if this si not corrected on 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