BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-15
Company: SECURITY FINANCE CORP
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
My husband, who I am separated from, took out a loan in another state, which I did not agree to or sign for. The loan amount was {$300.00} at an annual percentage rate of 144.19 %, to be paid in monthly installments of {$73.00} each, for 6 months. I received paperwork regarding this loan, mailed to me on XX/XX/XXXX, and I received on XX/XX/XXXX. The statement contained a letter from management stating a property law known as Marital Property Act which governs the property rights of persons in Wisconsin. I sent the following reply to the company : " XX/XX/2019 Security Finance Corporation of Wisconsin XXXX XXXX XXXXXXXX XXXX XXXX XXXX, WI XXXX RE : acct XXXX, contractual arrangement with XXXX XXXX . 
To whom this may concern : I received your contract information and will not be a part of an agreement to which I gave no consent. I was not advised of the arrangement and had no knowledge of its existence. I am an Oregon resident. XXXX and I were married in Oregon. I have never been in Wisconsin. Oregon is not a community property state. It is a common law state. I do not agree to the terms of this contract. I have not consented to or signed this contract. There is no joint borrower on the contract. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OR 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 2022-12-28
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: Their investigation did not fix an error on your report

Complaint:
I revisited my credit file and to my dismay, I see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my right to dispute and take proper legal actions against any inaccurate and missing information in my report. I am asking you guys to perform a logical investigation on these accounts.

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 2022-04-06
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried calling my bank about my checking account over 4 times int the course 4 days but they would not contact me in order to help me reopen my account after being suspended I need to pay my bills and my check just got put through and for some reason this bank has failed to contact me about my account 's status.

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 2023-01-04
Company: Occupational Management Group, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX My account has been paying XXXX XXXX for some time now, I have discovered by doing a thorough audit of my accounts. 

I have no idea who they are. 

I have no documentation in writing who they are, who they represent, what debtor they allegedly represent, what the debt allegedly is, when the alleged debt was. As such, my rights to dispute the alleged debt, along with other civil rights, were violated under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: Real Time Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When I entered into a home mortgage modification with XXXX XXXX, Real Time Resolutions , Inc, I contend, illegally filed a corporate assignment of mortgage thru the court system in Florida. This assignment ( 2nd lien on my property ) falsely indicated ( I contend ) that I authorized and executed, thru Mortgage XXXX XXXX XXXX XXXX XXXX, them to file the assignment of mortgage. The alleged debt, according to the credit bureaus, was supposedly sold mid XX/XX/XXXX. Real time resolutions filed the assignment against me, beyond the state of Florida statue of limitations. They filed late XX/XX/XXXX. That is beyond the statue of limitations. I wish to suggest that real time resolutions vacate the lien and cease any more actions on their alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- INSTALLMENT LOAN 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Unable to obtain my free TransUnion annual credit report unable to file disputes as well

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. The accounts are fraudulent and dont belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: Nelnet, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I found a student loan on my credit report. I am XXXX XXXX XXXX and I have not ever had a student loan in my life. I disputed it and they still say it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX HAS BROKEN THE LAW WHILE VIOLATING ME AS A CONSUMER!

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 2022-04-06
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX HAS BROKEN THE LAW WHILE VIOLATING ME AS A CONSUMER!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Commonwealth Financial Systems, Inc.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
COMMONWEALTH FINANCIAL placed 2 collection accounts on my credit report. I have never received any correspondence from them in relation to this matter, nor was i give a chance to settle any debt before they attacked my credit report. I am not paying a debt that I am unaware of or even know what it is for. This violates my rights under FCRA, as I have never been asked to pay this supposed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. I filed the correct paperwork per the FCRA and sent it with my dispute to the credit agencies to remove the accounts. They did not attach the paperwork properly and did not follow the law. And I was not given copies of the verification process like the FCRA says Im supposed to get.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
i have disputed these items and i havent received any documents or results from their investigation and it has been more than 60 days. the only information received was that they verified the bankruptcy with the court and thats a lie. i submitted the court letter i received from court and i still didnt get the items deleted.

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 2019-08-15
Company: PNC Bank N.A.
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Mortgage is an adjustable rate subject to periodic changes in monthly payment amount ( +- ). Payment ( s ) have been made each month since XX/XX/XXXX. Payment amount scheduled to change for XX/XX/XXXX payment. No statement was received for XX/XX/XXXX and payment was submitted in the previous statement amount of {$320.00}. This resulted in short-payment of {$8.00}. PNC Bank retained this money ( payment ) without posting it as payment and then they generated a check on XX/XX/XXXX in the amount of {$320.00} that was returned as a short payment ( indicating they were unable to post a partial payment ). This check was received on XX/XX/XXXX and was immediately taken to the local PNC branch to make payment. Payment was made using the check generated by PNC and a cash payment of {$8.00}. Cashier indicated the account was paid current as of that transaction on XX/XX/XXXX. 
While applying for a loan with another bank, was informed that based on this transaction, PNC Bank generated a late payment report that was sent to the credit bureau ( s ). This " misinformation '' has negatively impacted our ability to apply for credit and be approved for prime rates. This needs to be corrected as soon as possible, since payment was made and not posted. As of this date, PNC has declined to correct this credit information. Obviously, this is a misrepresentation of what actually occurred. 
Clearly, the payment was made and not credited to the account, due to the {$8.00} difference. It defies logic that a financial institution does not have the capability to post an underpayment, or even an overpayment, but can retain the money until they see fit to return whatever amount it is and claim that payment was not received in a timely manner. 
I am XXXX years old and have NEVER, since I was XXXX  years of age been late or defaulted on ANY credit agreement and I can not believe that PNC Bank is refusing to correct this misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX has appeared as an hard inquiry to which was never authorized.

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 2020-12-08
Company: Experian Information Solutions 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:
am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached, he following items do not belong to me and is a result of fraud that I did not authorize.

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 2022-08-06
Company: CITIBANK, N.A.
State: NC
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:
On XX/XX/2022, a fraudster made three purchases through my XXXX accounts using my CitiBank card for two digital gift cards valued at {$200.00} in total, as well as a capture card valued at {$420.00} on XXXX through a second CitiBank card on which I am an authorized user. Both the gift cards and graphics card were delivered to individuals in XXXX, Florida, yet I live in North Carolina- this confirms that I did not make these purchases. 

I reached out to CitiBank to dispute these charges as fraudulent charges. While they first reversed the charges, they eventually reversed their initial credit and claimed that the initial dispute that I filed mismatched my explanations and had conflicting statements ( this was due to their software not having " fraudulent charge '' or " fraud '' as a possible selection option when making a CitiBank claim ). 

Citibank proceeded to claim " I indicated that [ I ] accept responsibility for this charge '' - I never did, since they were not mine. As a result, they closed the dispute and ruled against me, forcing me to pay for these items without an explanation. After calling the bank, a customer support agent told me I had waived my right to dispute these charges.

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 2021-07-18
Company: V and H Portfolio
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-18
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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: Overcharged for something you did purchase with the card

Complaint:
on XX/XX/2021 approx XXXX i called Capital one, because i notice Capital one was Manipulating Credit Card Payments and rearranging the transaction orders and purchase after i made on-time payments with my capital one credit card, i believe this was done intentionally to accrue over draft fees and other fees and to cause me to go over the {$200.00} credit limit. there were several instances in which i tried to make a payments and would receive pop up message that would say : " You can not schedule a payment for this account. 

Looks like you don't owe anything right now or you have pending payments that will cover everything you owe. 

Just so you know, you have to wait for pending purchases to post before you can pay them off. " I spoke with a male customer service rep for capital one and was told that i must have entered one wrong banking number of XXXX and that's why my payment didn't go through. I told him how could i entered the wrong banking number and you told me what bank i had. without me even mentioning what bank i had .... 

I expressed my concern because now it has my account in high credit and all my transactions i ; ve made with the capital one CC were declined and will cause major issues. 

the male employee from capital one requested that i give him my bank account number and routing number so he can enter it in the system himself for the amount of {$200.00} and told me if my payment method is declined again that capital one will shut down my account. 

Capital one system either has a glitch or this is a common practice used by Capital one to Manipulate Credit Card Payments with someone who is looking to reestablish and build credit and telling the card holder they've must have entered the wrong banking number to justify their fraudulent response. 

currently there are 8 returned payments in the amount of {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: NV
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: WESTERN UNION COMPANY, THE
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I made a payment to release a package I had to pay to customs. The total was $XXXX with the fee and everything the total was $XXXX. It was a transaction I made through Paypal and I was supposed to be paid a total of $XXXX. However I didn’t received anything and ended up losing $XXXX that I paid and the device that i sent.

Company response to consumer: Closed with explanation