BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was denied from applying for a auto loan due to the amount of hard inquiries I have on my report that i didnt consent which also has affected my credit score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I contacted Capitol One on XX/XX/20 about my Walmart credit card dispute on a charge that was made by a scammer vendor XXXX for {$1900.00}. When I contact Capitol One they are claiming that XXXX needs to refund me and when I contacted XXXX they are claiming that Capitol One has a charge back that is active. XXXX is claiming that they are willing to refund my money buy is not doing it and sending false documents to Capitol One, when I contact Capitol One they are referring me back to XXXX. Capitol one had the charge back and my account was credited but they took the credit off and it is a active charge now. 

PLEASE HELP ME. BOTH OF THESE COMPANY ARE TOUGH TO DEAL WITH!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Experian has consistently reported a much lower credit score ( XXXX ) as compared to XXXX ( XXXX ) and XXXX ( XXXX ). I ordered all my credit reports which showed nothing but excellent with all my creditors ( no negative remarks at all ), in fifty years! 

I have now tried four times ( Experian complaint # XXXX ) to get them to explain why they report a much lower score, but they have refused. The do respond, but with a canned letter, that does not address my questions. The Federal Trade Commission referred me to you, the CFPB, stating that you have authority over them. 

I have worked hard all my life fulfilling all my credit obligations with excellence. It is not right for Experian to report scores not consistent with an excellent record, especially when the other two credit bureaus are reporting excellent scores, and, using the same reports.

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 2019-09-24
Company: CITIBANK, N.A.
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I discovered that my card had been stolen when I received a bill in re to purchases made. I have always paid my account payments on time without issue and in XXXX paid the account in full. I have not used this card since that time. 

There were multiple items purchased including those that were delivered to an unknown address. The store has denied my claim of fraud stating that the purchases fall within my purchase pattern. Prior to these purchases, the card was rarely used and used last in XXXX, 2018 for XXXX items for children. I did not make any additional purchases. At this point, it has been almost two months. Total amount of fraudulent transactions is {$390.00} PLUS INTEREST and 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 2021-09-15
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: Investigation took more than 30 days

Complaint:
To whom it may concern, On XXXX XXXX, XXXX I filed a complaint about the following reports being inaccurate : XXXX XXXX - date of report : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  - date of XXXX and XX/XX/XXXX. 
I asked for these to be removed from my report and I have not heard anything about this matter.

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 2021-11-28
Company: CITIBANK, N.A.
State: CA
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:
I filed three disputes with Citibank on three credit card transactions after a foreign airline cancelled my flight but wouldn't refund all of my charges. Citibank said I lost the dispute because I didn't respond quickly enough to messages they placed in their online " dispute center ''. However, they never notified me that I had messages and need to go to their website to view them. Additionally, even after the merchant said they tried to refund me but that Citi rejected the refund Citi refused to help me. Citi tells me to go to the merchant, but the merchant says the problem is with Citi. Citi does not acknowledge receipt of emails, does not communicate when there are new messages and closes disputes in favor of the merchant without making any attempt to protect the customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinancing mortgage with Navy Federal and received a loan estimate dated XX/XX/2019 with the rate locked through XX/XX/2019. I was charged {$620.00} for Navy Federal to conduct an appraisal of my home. After submitting additional paperwork it was submitted for final review. I received a call from the loan officer on XX/XX/2019 stating it was declined because they could not confirm my employment. My company 's HR department did not recall anyone from Navy Federal contacting them, and I emailed the Navy Federal loan officer cc'ing senior leaders in our HR department. The HR senior leaders confirmed my employment by email and requested that the loan officer call the company 's main line and ask for HR so they could confirm. The loan officer refused to confirm employment and flatly stated the application was denied. They refused to take any other corrective action on this matter, and now I have a loss of {$620.00} as well as the present value of higher interest payments since market interest rates have moved up in the meantime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: EQUIFAX, 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 was in the process of refinancing my mortgage when I had my credit report done and it was at that time that I noticed things on my credit that looked unfamiliar. I discovered that there are things on my credit that don't belong to me and I'd like them removed as quickly as possible. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
we file bk in XX/XX/XXXX it was discharged in XX/XX/XXXX some one attached my home too a bk in XX/XX/XXXX it been in that state for 6 years now the bank want give me any information on this bk they say see my attorneys XXXX @ XXXX who is not my attorney we dont have one we never file a bk. this same bank gave us a modification loan in XX/XX/XXXX too this day it has never show on any credit report some is wrong we are retired people this is too big for us can you 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 2019-11-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My monthly statements confirm that my mortgage servicing company has made the home that I purchased in XXXX un-affordable by increasing my interest rate from 2.375 % to 5.375 %, and my monthly payment from {$900.00} to {$2900.00} during one 12- month period as follows ; XX/XX/XXXX - 2.375 % interest, with {$900.00} monthly payments -- - XX/XX/XXXX 3.375 % interest, with {$2900.00} monthly payments -- - XXXX 4.375 % interest with {$2700.00} monthly payments -- - XX/XX/XXXX - 5.375 % interests with monthly payments of {$2900.00}. 

Twelve months ago, I followed my servicer instructions, with assurance that they would not foreclose, if I submitted an application along with financial information, and continued to make my {$900.00} payments, because I was entitled to get a modification of my loan by either a reduction of principle, reduction of interest, or an extension of the pay-off period to lower my monthly payment I.e. a new 20 year mortgage. 

To date however, despite my compliance with their instructions, my servicer has stalled my request for modification of my loan, by continuing to ask for more and more and more new information and resubmission of information already submitted, during which time they turned my loan over to there attorney to start foreclosure, because I continued to pay the {$900.00} amount ( as instructed ), instead of the increased interest rates and monthly payments. 

Upon notice of foreclosure, I was able to come up with and pay the difference between my previous {$900.00} and now {$2700.00} monthly payments to bring my mortgage loan current, with no assurance that they would provide the modification assistance that I need to make my loan affordable ... so that age XXXX I can live near my children that can provide the help that I now need going forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Byrider Franchising, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I had a car loan with C.N.A.C through J.D. Byrider in XXXX. I was told that I had to pay for outside insurance because the insurance that they provide was for their benefit. I paid a XXXX down payment because I was told it was required. I had the car for over a year and the balance never went down. I called and asked them for a copy of the contract and they kept giving me the runaround. They repossessed my XXXX XXXX in XXXX when I was in XXXX taking care of a family member. I was not behind a month, my balance was around XXXX but they took the car and charged an additional XXXX. I knew what they were doing was wrong I just didn't have the knowledge to help me. I sent them an affidavit of truth on XX/XX/XXXX and have not got word from them. An unrebutted affidavit stands as truth in commerce, an unrebutted affidavit becomes the judgment in commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: DE
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:
Unauthorized hard inquires on credit file. Submitted report and inquiries still on file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX when i bought the XXXX, i took out a 72 month loan. I talked with XXXX at the dealership, he was the Financial manager. He told me that if i paid extra on my principle it would make my payment go down. I did this every month, never having to pay the full payment until this month. The loan due date isnt until XX/XX/XXXX the amount left on the note is XXXX. This would be XXXX a month. That was my plan when i bought the car, have a small loan payment at the end of my note and XXXX, ( Nissan Financial Agent ) agreed it would work this way. Now Nissan Financial is saying that i have to pay XXXX and my agreed to terms will end a year early. This isnt what i was told or the contract that i signed. If i had wanted a 60 month contract i would have signed a 60 month contract and i would have never had my witnessed conversation with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XXXX I disputed the inaccuracy of a collections account XXXX & XXXX. This account is reporting as open, with Trans union, and XXXX. This is a violation to report a charged off account as open. This needs to be removed 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 non-monetary relief
Consumer complaint received 2019-09-24
Company: EQUIFAX, INC.
State: UT
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 XXXX XXXX # XXXX is reporting a late in XX/XX/19 that I should not have. I was not late as I took the payment into the store and paid in person. I don't know why it was put on my account as a late as I went in and paid it before it should have been late. I can only conclude it was an error on their part and was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: CAPITAL ONE FINANCIAL 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX # XXXX DOB : XX/XX/1969 XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ACCOUNT WAS PAID, BUT STILL REPORT TO MY CREDIT REPORT. 

XXXX. XXXX # XXXX - BALANCE OWE ON THIS ACCOUNTS IS " XXXX '' ACCOUNT SHOULD NOT BE REPORT ON MY CREDIT REPORT. 

XXXX. XXXX XXXX # XXXX - I OWE A BALANCE ON THIS ACCOUNTS BUT IT WAS PAID BEFORE I GOT SERVICE AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX/XXXX  XXXX {$940.00} XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX {$680.00} XXXX XXXX   XXXX {$140.00} XXXX XXXX XXXX {$110.00} XXXX XXXX  XXXX {$19000.00} XXXX  XXXX {$12000.00} XXXX XXXX  XXXX {$610.00} XXXX  XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed this account with Experian several times and they are still reporting inaccurate information. 
I called XXXX XXXX today and spoke with a customer service representative by the name of XXXX and she does not show any delinquent information in the system with my name or my social security number or any account I have had with them in the past. She also stated that there were not any note in their system showing any contact from a representative with Experian. 
Experian is not doing a proper investigation of this account. The phone number that I called is XXXX. Experian has the account listed but no phone number provided I have old dispute results from Experian that shows those accounts were deleted in the past but now they are showing again with different account numbers but no verification information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Citi Rewards Plus card claimed to to give back 2 thank you rewards per {$1.00} spent for gas stations and regular grocery store purchases .... when using the cars at XXXX which is nationally recognized petroleum company who operates thousands of gas stations over the US i noticed i was getting back 1 point per {$1.00} spent. did a chat session with customer service on XX/XX/2019 and advised the CS rep of the issue but didn't really took the effort to research and tried to blame Master Card for miss categorizing XXXX  as gas station and showing as an auto service instead! i have advised the rep that this is a clear violation of CFPB and should escalate immediately to his compliance officer to correct the problem he ignored me and back to blame Master Card, told the rep to XXXX XXXX but didn't seem interested in taking any action. This is a clear violation and i am being cheated of my thank you points which they advertise heavily. I have many other cards the give me the additional rewards when using gas stations ( XXXX included ) but i feel that this is a way to trick consumer to use this card so Citi can benefit without giving back what they advertised.

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 2019-05-02
Company: Diversified Consultants, 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: Old information reappears or never goes away

Complaint:
Dci is a collection agency used by XXXX, after multiple attempts to correct this problem with both companies it still appears on all of the Credit Bureaus as an account opened in XX/XX/XXXX when this account was closed in XX/XX/XXXX. This is a re-aged debt which is illegal under the FRCA.

Company response to consumer: Closed with explanation