BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had filed the following complaint with affidavit but XXXX XXXX listed it as duplicate. This isn't correct since it was new. " I have made many many complaints to CFPB on XXXX XXXX for fraud and identity theft in 2017. Attached is IRS FORM XXXX Fraud Affidavit. Hopefully XXXX XXXX will recognize the identity theft, forgery, and fraud this time. I have already submitted in previous complaints multiple documents including the XX/XX/2017 sheriffs report and felony information on the thief for forgery and false pretenses. Recognize the fraud and remove the negative listing on my credit report. I had XXXX and was paying off debt monthly because I couldnt make a lump sum payment so how can I make a lump sum payment now when I am on social security?. My credit score was always mid XXXX. I had requested many times to remove theft including the fraud payments that allowed the credit limit to be doubled. ''

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. 

Account names XXXX Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX Account no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX  Accounts XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2018-04-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint:
On Wednesday, XX/XX/XXXX, I applied for a loan to buy out the lease for my XX/XX/XXXX XXXX XXXX in a Fifth Third Branch on XXXX XXXX XXXX, XXXX, OH XXXX. The name of the banker was XXXX XXXX ( XXXX ). I brought in all of the paperwork from the original signing of the lease agreement ( which he made copies of ), and told him that I wanted to apply for a loan to purchase the car when the lease expired. 

I was very clear that I was in a lease, and the paperwork I brought in that I gave to XXXX XXXX specifically indicated a retail lease order. There was absolutely no confusion that I wanted to buy the car upon the expiration of the lease. My wife was also present during the meeting and can verify this information. 

In order to process the loan, XXXX asked me to complete a loan application along with a credit check. I was then told that underwriting would ask me for certain documents before I would be approved. XXXX sent an email that said I needed to provide a " bill of sale '' for the loan to be approved. When I called XXXX to request that information, they said that document couldn't be provided, but they would send documents to Fifth Third to process the lease buyout. 

On XX/XX/XXXX, I then went into a Fifth Third branch at XXXX XXXX XXXX, and spoke with the manager onsite for the fax number so that those documents could be sent. She then called underwriting, at which time she was told that Fifth Third does not sell loans for car leases. I called Fifth Third 's customer support number and talked with two additional individuals who all told me that they didn't sell lease buyouts. 

I submitted a credit application having been told that I was applying for a lease buy-out. This information I was told was false.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
never lived at the 2 previous addresses listed on my report see of explanation

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 2017-09-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Since Equifax security has been breached by an unknown Hacker or Hackers, it would appear that my personal and financial information is in jeopardy. In an effort to secure and protect my identity, I have attempted to put a Security freeze with Equifax on the financial information of myself and my spouse. I have attempted numerous times to enroll online with Equifax. Each attempt has been rejected by Equifax. I have attempted to call Equifax ( XXXX ) and have been rerouted to a telephone number that does not pick up. I was able to enroll with XXXX and XXXX for a Security freeze without any problem. It would appear that Equifax has failed to securely safe guard my and others personal and financial information and further engages in a deceptive manner while I attempt to place a Security freeze on my and my spouses personal and financial information. I have lost all trust in Equifax and would ask that an investigation be conducted regarding the business practices of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 'm currently in a health situation that is being corrected. In the time frame, I 've been relatively consistent with my bills. I 've temporarily fallen behind on my payments to credit cards and student loans, however, I 've made minimum payments at the very least until this month. Today alone, I 've received 11 phone calls from Citicards.com By the way, they 've setup their website so that I 'm unable to check my balance or view my account online. I 'm forced to visit a branch to make payments.
How am I able to continue working unimpeded, in order to make payments, when I receive 2 calls per hour?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
For the last three to four month this company keeps adding 1 dollar too my account so my credit keeps getting hit. I tried to settle but they are hard to talk too. 
Dont know how too stop them from add 1 dollar every month, It just not right. 
Original amount was {$380.00} XXXX XXXX XXXX. {$3.00} add XXXX XXXX. {$3.00} add XXXX XXXX. {$1.00} add XXXX XXXX. {$1.00} add XXXX XXXX. {$1.00} add XXXX Now it {$440.00} XX/XX/XXXX they add {$1.00} dollar

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
Please refer to FTC Report! ITEMS ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Early Warning Services, LLC
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 filed a XXXX XXXX XXXX complaint against XXXX XXXX XXXX on XX/XX/2018. I disputed these accounts through XXXX and Early Warning Systems. The accounts came back " verified '' with no attach proof. My filing with the XXXX  resulted in XXXX XXXX XXXX producing paperwork of transactions that went on with these accounts. That is not what I requested. I specifically asked on the first line of my complaints for copy of the signatures used to open these accounts so I could compare them to my own. I have never opened accounts without providing my signature and my ID. So, XXXX XXXX XXXX has completed ignored that request and produced a stack of irrelevant papers containing account transactions and refused to delete their damaging and incorrect reporting. According to the documents it seems no money is owed to XXXX XXXX XXXX, but they have listed fraud next to my name in reports with Early Warning System and XXXX. If they are suspecting fraud, they should have no problems complying with my demand for validation of signatures and IDs used to open these accounts. I have a right to know whether or not they collected valid identifying information. It seems they are dancing around this and opened these account for someone and did not collect validating documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: TN
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 writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-02-27
Company: Experian Information Solutions 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:
Back in XX/XX/2019 Experian received a certified mail ( XXXX ) from me with a letter requesting an investigation for few violations in my credit report ... 
In XX/XX/2019 EXPERIAN reply to me with the same violations and as proof I am attaching and indicating violations in their owm report with pictures ... 
_____________________________ XXXX XXXX XXXXwith a monthly payment in a charge-off collection.. Violation # 1..

_____________________________ XXXX with past due balance in a collection account.. Violation # 2 ...

______________________________ XXXX XXXX XXXX. With Past due Balancr in a collection account ... Violation # 3 ... 
______________________________ XXXX XXXX with a Past Due balance in a collection account ... Violation # 4.. 
______________________________ In this complaint I am attaching your own report with the violations in a circle and as you can see the report show " before '' and " after '' investigation where EXPERIAN keep reporting violations of the federal law and must be remove this accounts from my report inmediatly ...

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 2023-04-08
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter dated XX/XX/XXXX from Resugent Capital Services trying to collect debt for LNNV Funding LLC on a debt from XXXX. This debt is more than 10 years old and should be deleted from all credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: MoneyLion Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I applied for a loan here in XX/XX/XXXX for around 700. I always wanted to pay it back when I got the money but I can never find their website and they never send me any mail I know it use to be called money lion a while back that's what it was when I got the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: IN
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 disputed a bankruptcy thats reporting on my Experian credit report multiple times. Experian has verbally told me and written on my credit report that XXXX verified that the bankruptcy belongs to me. I disputed the inaccurate information with XXXX and it was removed. I sent the letter from XXXX to Experian stating that it was removed but Experian continues to report the bankruptcy and states that it is being verified by XXXX. How are XXXX verifying the bankruptcy account thats not on my XXXX credit file? I recently sent a certified method of verification letter along with a few pages of my XXXX file that shows that there isnt a bankruptcy reporting. The tracking information states the method of verification letter was received by Experian on XX/XX/2020 and it is now XX/XX/2020 and my dispute has not been opened. I am fed up with the unprofessional and uncaring handling of this matter. This is my final attempt to get a accurate solution before I file legal charges against Experian. I am attaching proof of everything that Ive stated and everything that Ive sent to Experian prior.

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 2020-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had a yamaha motorcycle financed through capitol one and I have paid faithfully for the past six years. I traded the motorcycle for a new XXXX XXXX back in XX/XX/XXXX. On XX/XX/XXXX the dealership I traded the motorcycle with mailed a pay off check in the amount of {$1200.00} to pay off the motorcycle loan with capitol one. On XX/XX/XXXX I checked my credit report as I usually do to monitor my activity and my credit report stated my credit score had dropped 85 points. I began investigating and it was due to capitol one charging extra fees because they stated they had not received any payoff info from the dealership back in XXXX and they stated I was now behind on payments. I contacted the dealership I traded the motorcycle with and the lender stated she had mailed a payoff check on XX/XX/XXXX to the payoff department address that the capitol one officer gave her. The said check also cleared the dealerships account on XX/XX/XXXX and was used by capitol one. Once I contacted Capitol One with this info they stated they could not locate the check anywhere from the dealership, and the last officer that handled my account told the dealership lender that the loan was paid in full. As of XX/XX/XXXX I had the dealership lender fax a check image of the front and back of the cleared check used to pay off the motorcycle loan to capitol ones research dept to XXXX and capitol one told me it would be 7 to 10 business days before they would have a resolution. I called today on XX/XX/XXXX and they said they never received the check image. I had the dealership lender send the images again to the same correct number that I verified with the capitol one officer. As of now they have yet to locate the check that was cleared on XX/XX/XXXX for check # XXXX {$1200.00} made payable to capitol one from XXXX XXXX XXXX in XXXX AL. Capitol one is still giving me the run around on something that they have clearly made a mistake on and I am currently having to deal with trying to get them to get this fixed when clearly they used the check that was meant for my account on the motorcycle, but for some reason cant located the check? I feel taken advantage of and I am basically being charged twice for the said motorcycle because it is included on the payback amount of my new blazer because it was a trade in and capitol one has yet to show the loan as paid off. This issue has damaged my credit score by 85 points and I need this fixed asap. Capitol one seems to be pushing me off and I explained we are going into another month and I do not need any more fees reported to my credit because of their mistake. 
My Capitol One case number is : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-15
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My Old Navy/Synchrony store card was closed and I got sent a Visa Old Navy card. But I still had a balance on the old card which Synchrony kept calling me about. So I sent in a payment but it got auto-applied to the new Visa card, not my old card, and the history clearly shows this is the case.
However, they call me like 5-8 times a day to collect on the old card, and even when I make a payment over the phone it does n't 'take ' and I keep getting the calls. I typically do n't answer the calls but when I do, they say Hello and hang up. It 's the oddest thing you can possibly imagine, but I 'm afraid their incompetence and negligence is going to affect my credit history. 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 explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2017-09-15
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX, XXXX and Experian are showing inaccurate information on my credit file a XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all these account have been charged off/ wriiten off or sold to another collection company which under the fair credit act the companies charged it off on their taxes, which technically means that they can not come after me and should be deleted off my report and XXXX is reporting late payments if I 'm technically making payments so it also has to be removed. this is impacting my credit tremendously please take action

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 2022-02-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is an update of XXXX, previously filed. The Citizen 's Bank does service this loan, they have the name wrong, XXXX XXXX is the Mortgagee, not XXXX, they do take payments at the XXXX XXXX, Va. address and their corporate address is XXXX, R.I.

They continue to send incorrect information regarding insurance payouts from escrow that never took place. They are now asking for a " shortage '' payment which is incorrect. 
I am attaching my latest letter to them, please reopen the complaint or forward it to other banking compliance regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I went to the Wells Fargo ATM at XXXXXXXX XXXX to withdraw {$960.00}. The atm did not give me my money and the funds was withdrawed from my account. The bank refused to give me my money back and told me to file a claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Muskegon Car Credit, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I XXXX XXXX entered into a consumer credit transaction with Orbit Leasing on XX/XX/2017. I used my credit card as defined under 15 usc 1602 ( L ) and there was a finance charge involved as defined under15 usc 1605. Orbit Leasing then took my credit and got a loan and began to violate 15 usc 1692e because they falsely represent the status of a debt. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation