BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 tried to call numerous times, I keep getting transferred to multiple departments who are either closed or place me on long holds before disconnecting calls saying due to system technical errors. 
I have received your response, and to clarify my request I demand you cease and desist reporting to all credit bureau agencies, and delete the entire account history in full for inaccurate reporting. I am disputing the debt you have charged off which is why I want all communications with me stopped regarding the account. You dont have any right to damage my credit report after you have incorrectly applied a payment reimbursement '' as a curtailment. You are a not using common sense, and I don't care what your policy is because it is invalid in this case. The payment was not sent to you from an insurance company, it was sent to me as repayment for money I spent out of my own pocket to fix the car. As I have stated numerous times that money was allocated for monthly payments in my budget and it is not up to you to decide have to distribute my money on my accounts. Therefore you are in violation of several consumer protection laws I will hire an attorney to enforce in a federal court of law while requesting at least {$75000.00} in damages along with attorneys fees if this account history is not removed from XXXX, XXXX and Transunion immediately.

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 2018-03-14
Company: EQUIFAX, INC.
State: CT
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:
I Called XXXX Equifax And XXXX XXXX trying to get these credit inquires off my credit report which are effecting my score. All have told me well just to lock my credit and they cant get the inquires off my report. I only have XXXX accounts XXXX with XXXX XXXX   and XXXX with XXXX otherwise they are not mine. would like for them to come off my score so i can start making my credit better.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It has come to my attention that XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( Capital one an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system

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 2022-02-14
Company: Genesis FS Card Services, Inc.
State: MI
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:
Genesis credit has been notified that my balance with them should have been refunded in full because the merchandise I purchased, which was financed through them, was returned to the vendor. I spoke with one of their representatives in XXXX and explained the situation, and they told me the account would be closed, the money refunded, and reported as up to date with the credit bureaus. They never did this and have continued charging me fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It has come to my attention that XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making Car vision Union an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system

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 2019-05-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a Citizens bank Platinum checking in the middle of XXXX after receiving a flyer in the mail advertising a {$400.00} bonus for opening said account and making a direct deposit within 60 days. 

I met ALL requirements, including going to the exact link provided on flyer, entering the code, and direct depositing well above the required amount within 60 days as stated. 

It said in the fine print that the {$400.00} bonus would be paid within 90 days after the direct deposit. The direct deposit posted on XXXX, and it has now been over 100 days and still no bonus paid. 

I called several times and keep getting the runaround. They keep saying over the phone that I met the requirements, but unsure why it hasn't been paid out. And that they'll investigate and call me back, but they don't. 

I have attached photos of both sides of the flyer I received down below. Any help you could provide would be greatly appreciated. 

Thanks so much, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
hello I have a Capital One Platinum secured card with a starter limit of ( XXXX dollars ). I've had this card for almost 3 years. In XXXX from XXXX to XXXX, I lost my job and I was not able to make payments on the credit card and once I missed a payment in XXXX XXXX. Total of 5 missed payments. I've made on time payments for this card for 2 years in a row starting from XX/XX/XXXX to present. Yet the credit card companies still reported this late payment history on my credit score. I need help removing these derogatory marks because I've tried to call Capital One and I was told by them that nothing could be done. XX/XX/XXXX one time late payment was a mistake i made and XXXX to XX/XX/XXXX was a job loss and could not make payments. I am asking for help in this matter, again I've been on time for 2 years now and I want these derogatory remarks removed PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: PNC Bank N.A.
State: DE
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:
I request a credit limit adjustment to XXXX XXXX dollars to match most of my other credit card accounts from the other banks. My current credit score is XXXX & have been XXXX XXXX for over thirty years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hi, My name is XXXX XXXX and have been a customer at Chase Bank for the past nine years.My checking number XXXX. Last XX/XX/XXXX, few of my pay checks were stolen from my car. I had, however, deposited all these through remote deposit option via my cellphone. 
The concerned pay check in discussion is check Number XXXX maker XXXX bank for the period XXXX to XXXX which was made by my former employer XXXX XXXX XXXX XXXX XXXX. I made the check deposit using remote option on XXXX via my cellphone. 
In the month of XXXX XX/XX/XXXX, I found that {$1800.00} had been cut from my Chase bank account. After inquiring with Chase bank officials, I learnt that the above mentioned pay check was submitted at a XXXX XXXX branch on XXXX. I tried to speak to XXXX XXXX but chase bank manger they said they could not do anything since I was not their customer. I testify here, as I repeatedly told Chase bank, that I never used or made use of any other party to submit the pay check at XXXX XXXX. 

I called and met in person with Chase bank officials, but my pleas fell to deaf ears. The bank manager nor the customer care helpline were of any use. They kept talking to me as if I am the culprit in this scenario. I have been a loyal customer all these years and have used the pay by cellphone - remote pay check deposit option - all these years. I consider myself to have been cheated by theft and later by non-cooperation by my own bank. One, XXXX XXXX issued the money to the impostor without verifying an ID, because all my ID cards are safe with me. Second, Chase bank cut money from my account without informing me or even bothering to ask me the case at hand. I feel unsafe about my money and consider this a deep threat to the very foundations of our great nation. I am considering closing all accounts with Chase bank, and also i want my money back {$1800.00} as soon as possible. 

I do not think any hard earning person who pays their taxes regularly ought to be treated this way. I appeal to the bank officials to resolve this matter at the earliest. Failing this, I will have to go to higher authorities and legal procedures. It is no longer about the amount of the money anymore, but about self integrity and living peacefully thinking that our money is safe in the countrys banks. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/XXXX, I initiated an online money transfer to XXXX of the amount {$130.00} via Moneygram. Initially, it showed a fee of {$5.00} and then I applied a coupon and fee was reduced to {$2.00}. At the end of the processing, I received a receipt from Moneygram ( also available at their website ) which clearly stated total amount as {$130.00} including fee ( {$130.00} transfer amount + {$2.00} fee ). For your information, I selected funds to be taken from bank which has {$0.00} processing fee. 
Next day XX/XX/, Moneygram charged my bank account ( XXXX XXXX XXXX ) an amount of {$130.00}. I noticed a discrepancy of {$3.00} ( although amount is small but it's a matter of principal ) and contacted Moneygram about this issue. Moneygram wasted an hour of mine and told me I owed only {$130.00} but they don't know how I got charged more. They told me to ask bank and bank told me that it's Moneygram 's issue because they are charging me more. Long story short, I am out of {$3.00} and Moneygram keeps pointing fingers at others. 

I have a receipt from Moneygram and a bank statement both at hand and I can show you anytime. Thank you so much for your time and I look forward to hearing back from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: EQUIFAX, INC.
State: MO
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:
In XX/XX/XXXX I have tried to dispute these inquiries that I do not recognize and these have yet to be disputed off my credit report. In accordance to section 606, 611 and 612 of the FCRA this should be properly investigated and verified in its entirety if this is accurate when in fact it is not. Due to this information not being verified and not receiving any correspondence within the 30 day timeframe these unauthorized inquires need to be deleted off my credit report. If these items are not deleted or verified properly with investigation then they would be in violation of Consumer 's Rights and could face a large fine. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: FM Home Loans, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was recommended FM HOME LOANS by a friend. FM appointed him a gentleman by the name of XXXX XXXX who was amazing ). XXXX was taking care of my loan needs. All was going well for the first two months. For some reason. We were told that XXXX was no longer working for FM..FM told us that theyre going to appoint a new agent to me by the name of XXXX XXXX. It took XXXX two weeks before she notified us that she was our new agentXXXX decided to go away for two more weeks to Florida we are already three months in the hole to try to do a closing for refinance. By the time XXXX caught up to all the paperwork in our files we are now four months in the hole to try to do a refinance with XXXX help. XXXX asked us to give her a {$500.00} check deposit that was needed for the paperwork. XXXX assured us that if the paperwork dont go through that I would get back the {$500.00} back. I felt that XXXX was not being truthful in her ways of conducting business and I felt that I was being treated unjustly because of my race. The closing never happened since XXXX didn't file all the paperwork in a timely matter and we lost the rate that XXXX had first given us we were never reimbursed for the {$500.00} and never even got an apology from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-30
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently completed a refinance with XXXX. The second month the payment was due, they changed the loan number and address of where to send payment. I sent the payment in under the new loan number and sent to the new address. XXXX states they never received payment. I confirmed payment with my bank and have proof of payment. I have called XXXX a few times and have gotten no where with the issue. 
On XXXX/XXXX/XXXX, I faxed all the proof of payment documentation over to my XXXX XXXX, XXXX XXXX. She agrees that the loan was paid by the information I sent her. 
We did a 3 way conference call with XXXX, the Customer Service XXXX XXXX. He states they still have not received my payment! He also states that this happens all the time because the loan payment goes from XXXX XXXX to New Jersey. It will be the XXXX of the month in a few days and I will have another payment. I am afraid to pay it again since they have already lost XXXX XXXX payment. Please advise. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12
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: Public record information inaccurate

Complaint:
I was reviewing my credit information with all 3 services and noted that Experian, XXXX and XXXX  are reporting a judgment on my credit report. The judgment was satisfied 3 years ago ( via a payment plan ), and is no longer accurate. I called the County Recorder of deeds in my county ( XXXX County, NY ) and they stated per the NYS Department of Taxation that they do not report tax liens or the status to Credit Reporting Agencies. I then consulted the NYS taxation website and verified that the NYS goverment does not report tax liens/warrants to Credit Reporting Agencies. On X/XX/17 I called Experian, XXXX and XXXX to dispute that a current tax lien satisfaction is being reported by the NYS Taxation or XXXX county recorder of deeds. XXXX, Experian and XXXX contended the information was accurate. I additionally, informed XXXX that the information from their specific report states that the records are furnished by XXXX XXXX. I informed them this information was inaccurate as I do not reside in the county of XXXX XXXX. I have attached the NYS Taxation document stating they do not report tax warrants/liens/judgments to credit agencies and inaccurate information can be disputed.

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 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a loan with XXXX XXXX. The current status should not be showing late because I paid it on time. TransUnion Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. 

XXXX XXXX XXXX : {$1600.00}

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 2022-02-14
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, Please accept my complain regarding the accounts that are nor mine. I do not know the origins of these accounts but its a error in reporting obviously. Someone used y information and filed these accounts below : XXXX XXXXXXXX XXXX - Card Service XXXXXXXX XXXX Card Service XXXX XXXX And inquiries to them ^ XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian Business Cred - XX/XX/XXXX THANK YOU AND PLEASE REMOVE THEM

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 2017-12-30
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX, 2017 my credit scores dropped 2 and 3 points with Equifax and XXXX. 
My credit scores should be at the excellent pinnacle by now, but are always being knocked down just beforte the excellent range. Is this intentional? to keep me from paying the lowest insurance rates. There is never an explanation behind these actions which make them suspect. My account balance on my mortgage payments are always reflected leter than they should. The previous complaints I made never offered me an explanation. Please put my credot scores to excellent where they belong and offer an intelligent explanation of any future changes that occurr.

Company response to consumer: Closed with explanation