BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-26
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:
My community there were XXXX, XXXX,XXXX these accounts were disputed because of them not being paid but they were paid in full. They kept getting negative marks and they were never late or suppose to be on my report at all. They never change it after it has been disputed. They with XXXX they wont even investigate them. 

XXXX would say that the account was corrected and verified as mine, I have never disputed that it was not mine. I always ask for them to correct the account in full. When i check the dispute notes and dates the dates are old dates as if they never looked at my accounts to even correct them. 

Transunion and XXXX never disputes in a timely manner they will respond with 2 or 3 new credit report without the dispute results stating my 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 2019-01-02
Company: STERLING JEWELERS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Im disappointed that I disputed XXXX  and XXXX/Sterling jewelers on theyre innacurate reporting and they sent me a fake application with a forged signature of my name and fake phone numbers and relatives on the application. 
This a violation of the FDCPA I intend to file lawsuit I have sat down with my attorney to review the errors on my report Im extremely disappointed in sterling jewelers for sending a fake application to me and them not correcting my credit report by removing this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: CAINE & WEINER COMPANY, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2023 I have reached out on number occasions on the phone to resolve this dispute that I was unaware was in collections in the amount of XXXX from XXXX XXXX XXXX also a collections from Caine & weiner in the amount of XXXX and also an inaccurate amount being displayed for XXXX XXXX XXXX  these companies are reporting inaccurate information to XXXX, XXXX, XXXX where it still remains unable to be verify accurate information for these accounts that have been marked as a collections/charge off every month still after a dispute letter still reporting inaccurate balances displayed there has not been any further update nor deletions after request to removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On multiple occasions between XX/XX/2018 and XX/XX/2018, Quicken Loans employees called me to discuss my loan account. During the conversations the employee was accessing Quickens confidential customer database and had all of my and other consumers personal and private information available to her on the screen, including mine and others social security numbers, date of births, banking information, assets, application data, basically everything Quicken had available on their customers the employee was accessing on her computer. 

The only problem we have with that, is that the employee XXXX XXXX XXXX was NOT at Quicken at all, not behind their firewall, not secured under their required compliant servers, rather the employee admitted she was actually accessing my data at her house!! That is, from her unsecured, unencrypted, non-static home internet connection. She ONLY admitted this to me AFTER hearing dogs barking I asked the employee if they were aloud to bring their dogs to work? She sheepishly admitted she was accessing my files from her house. I asked her to NEVER bring my personal information up at her house again, she agreed not too yet a few days later, once again she was accessing my personal data on her home computer ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX of XXXX 's XXXX XXXX I have a business account with Bank of America I had to open a XXXX of XXXX back in XXXX I contacted Bank of America letting them know that someone is watching my account and it was basically left on deaf ears there was a lot of money going into my business account none of the notifications were put on there letting me know how much money is being spent, then in XX/XX/XXXX I received a lawsuit from the some company that I have never done business with also they frozen my account that had XXXX which was in my account ending in XXXX, I knew something like this was gon na happen look what happen, but here what was going on your legal department kept sending out checks that of XXXX the reverse XXXX back into my account on XX/XX/XXXX then they sent me a check for XXXX for that I put back into my account with other credits I got which total XXXX dollars then that money went frozen now they ended up giving the credit XXXX and mind u my account had XXXX in it. Then I open my account in XXXX with Bank of America that ends in XXXX I then contact Bank of America due to my account falling below XXXX dollars so then my app was showing that all my money was in my account its not until I checked a couple days later it showed that my money was missing, most of the transactions was done online, I was able to get back some of the money but the 3 XXXX  XXXX purchases and the XXXX I didn't make that purchase Bank of America denial of my claim was due to me not opening up the claim when I saw it and I explained to them that it wasn't showing up for me, also my account ending in XXXX that was the account I was in trying to get that fixed and that's the account was I was focused on also that's it so also my account was showing hacked my account was showing that there was fraud, then following that I had to open up other claims that have been credited back but the other claims have been denied stating that there's no fraud, I will like my money back for claims.

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 2021-08-14
Company: First Federal Credit Control, 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:
All of a sudden upon review of my credit score I see that I have an item in collections that I have never heard of before : FIRST FEDERAL CREDIT CONTROL Under dispute Account Info Account Name FIRST FEDERAL CREDIT CONTROL Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$230.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$230.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$230.00} Highest Balance {$0.00} Terms 1 Months On Record Until XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 sent XXXX XXXX ample evidence that I lived outside the United States during a period when my identity was stolen. Their response was to put a delinquent account remark on my credit reports. This is an extremely unpleasant company. It's like the toxic people at XXXX are double victimizing me by punishing me for having my identity stolen. They are expletives.

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 2019-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Im disappointed that I disputed XXXX XXXX XXXX/XXXX XXXX on theyre innacurate reporting and they sent me a fake application with a forged signature of my name and fake phone numbers and relatives on the application. 
This a violation of the FDCPA I intend to file lawsuit I have sat down with my attorney to review the errors on my report Im extremely disappointed in XXXX XXXX for sending a fake application to me and them not correcting my credit report by removing this 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 2021-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My bank account was hacked and capital one says its my fault because I have malware on my phone. 

I sent them proof of my apps and police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: EQUIFAX, 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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
DURING THE TIME I WAS IN A HOSPITAL, MY VEHICLE WAS AT AN IMPOUND LOT RACKING UP STORAGE FEES AND MY VEHICLE WAS SUBSEQUENTLY AUCTIONED OFF AS I WAS STILL IN THE HOSPITAL AND UNABLE TO LEAVE. 

IN MY VEHICLE, WERE MY DRIVER LICENSE, SOCIAL SECURITY CARD, CREDIT AND DEBIT CARDS AND XXXX AND XXXX AS I WAS PREPARING TO GO OVER MY TAXES AND SEE IF I MISSED OUT ANYTHING. 

WHOEVER RECEIVED MY VEHICLE AND THE PERSONAL IDENTIFICATION DOCUMENTS AND CREDENTIALS DID NOT SECURELY DESTROY THEM AND IT ENDED UP IN THE HANDS OF FRAUDSTERS WHO SPENT OVER USD 5000+ ON EACH OF MY CREDIT CARDS THAT I PAY IN FULL EVERY MONTH SINCE 1998. 

I HAVE NEVER HAD XXXX INTERNET INSTALLED IN MY HOUSE AS IT IS SLOWER THAN CABLE OR FIBER AND SO I DO NOT KNOW HOW AN XXXX XXXX XXXX XXXX COLLECTION ACCOUNT APPEARED ON MY CREDIT HISTORY AS A COLLECTIONS. 

THE PERSONS WHO GOT A HOLD OF MY IDENTITY DOCUMENTS MAY HAVE LISTED ME AS A GURANTOR OR LISTED MY ADDRESS AS THE BILLING ADDRESS FOR SERVICE SOME WHERE ELSE. 

THIS HAS ALL BEEN REPORTED TO THE US POSTAL INSPECTION SERVICE ABOUT THIS IDENTITY THEFT WHICH THEY ARE INVESTIGATING. SEE ATTACHED REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-09
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
As you can see below, the autopay paid the minimum {$160.00} payment required to cover my 0 % balance. I paid {$45.00} to cover the new purchases that month ( totaling {$44.00} ). However, I was still charged interest from Citi.  They refunded the interest after I asked about it on the website chat, but this may be a systemic issue. 


Statement closed XX/XX/2018 Posted Total {$160.00} Date sort by descending Description sort by descending Amount sort by descending XX/XX/2018 MINIMUM INTEREST CHARGE {$0.00} XX/XX/2018 AUTOPAY ... AUTO-PMT {$160.00} XX/XX/2018 ONLINE PAYMENT, THANK YOU {$45.00} <various purchases, totaling $ XXXX End of activity Total activity Statement closed XX/XX/2018 {$160.00} {$160.00} Pending purchases {$0.00} {$0.00} Purchases {$44.00} {$44.00} Cash advances {$0.00} {$0.00} Payments/credits {$210.00} {$210.00} Fees/interest {$0.00} {$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 2020-11-04
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This collector continuously calls me I have advised them they have the wrong person middle initial does not match they have called me now for five years was part of a class action lawsuit and they continue to harass me constantly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: Atlanticus Services Corporation
State: CA
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 had my identity stolen by someone and had an unauthorized hard inquiries on my credit report. 

XXXX  XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Webcollex, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CSK FINANCIAL company I never have an agreement or signed and business with them. they obtain my personal information on a charged off personal debt and caused damage to my life because my credit score is my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: CITIBANK, N.A.
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:
On XX/XX/XXXX, an unauthorized wire transfer was debited from my checking account. The thieves also attempted to make a second unauthorized wire transfer. My husband was the victim of a SIM swapping scheme : his phone and email were disabled. He went to a bank branch minutes after the unauthorized transfer. The bank was able to stop the second pending wire transfer. The bank froze the account and opened a new account. We provided timely notice to the bank by reported the unauthorized transfer on the same day. The bank took action by voiding the second transfer, freezing the account, and opening a new account. The bank did not, however, attempt to recall the unauthorized funds until XXXX, XXXX, when my husband went in person to the branch to inquire about the status of the case. The bank did not open a fraud investigation until then, months after the incident. At that time, the funds were no longer in the bank that had received the transfer. 

The bank has not refunded the unauthorized transfer, as required under the Electronic Fund Transfer Act and Subpart A to Regulation E. The bank claims that this case was a " scam '' in which my husband provided account information to the party who initiated the wire transfer. He does not recall providing his information. However, under 12 CFR 1005.2 ( m ), even if he had provided information to a person who obtained the information through fraud or fraudulently induced him to share account access, the transfer would still be unauthorized and the bank must refund the funds. 

My husband and I have contacted the bank on multiple occasions on the telephone and in person at the branch ( e.g., XX/XX/XXXX call, XX/XX/XXXX in person and by phone, XX/XX/XXXX by phone, XX/XX/XXXX by phone ). We have filed affidavits with the bank. The case remains " under investigation '' Note : the first attachment shows the two unauthorized transfers, one listed as pending. The second attachment shows the account balance after my husband went to the bank and stopped the pending transfer. As stated above, the bank did not attempt to recall the completed transfer until months later.

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 2018-04-22
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Bank opened an account without my authorization. Did a hard inquiry into my report, which reduced my credit score a few weeks I had to apply for student loans. I never requested the credit card or to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Bank opened an account without my authorization. Did a hard inquiry into my report, which reduced my credit score a few weeks I had to apply for student loans. I never requested the credit card or to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: CITIBANK, N.A.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I pay XXXX XXXX/Citibank electronically on the XXXX of every month. Citibank charged me a late fee of XXXX $ and raised an interest rate to 21.99 %. I called today and they had a prerecorded message to reverse the late fee. My concern is buying cars/motorcycles on a credit card allows the bank to raise the loan rates. This is a predatory practice and the CFPB has an outstanding record of correcting these behaviors. Why didn '' t Citibank auto-correct the issue? They want fees and access to raising the credit card, which should not be allowed for new car/motorcycle purchases.

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 2018-06-11
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX our contract with XXXX, XXXX ended and went on to a month-to-month. In XX/XX/XXXX we installed XXXX Floodlights front and back. On XX/XX/XXXX I spoke to XXXX and cancelled our service. He connected me to a sales person who stated that if I would start a year contract they would be able to keep our payment at {$34.00} instead of the new monthly payment of {$53.00}. I declined the offer. On XX/XX/XXXX I received an E-Mail entitled " Your XXXX   Services Have Been Cancelled ''. In the body of the E-Mail it stated " You will receive a final statement within 30 days of the service discontinuance effective date. '' For safety I placed a STOP Payment on my bank account on XX/XX/XXXX for {$34.00}. On XX/XX/XXXX I received an E-Mail from XXXX stating {$53.00} was due by XX/XX/XXXX. On XX/XX/XXXX XXXX removed {$53.00} from my bank account. When I found out what happened I filed a dispute with my bank and XXXX returned the monies to my account on XX/XX/XXXX. On XX/XX/XXXX the bank placed a STOP ALL on my account. According to XXXX 'S Alarm Records, on XX/XX/XXXX they did a test at XXXX XXXX and it came back OA-Out of Service. On XX/XX/XXXX I removed and disconnected all their equipment. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ft.   Washington, XXXX XXXX XXXX advising me that this account was put in collection. I immediately called and spoke to XXXX and verbally gave her all the information and she stated that she would file a dispute and to call back in a couple of weeks. On XX/XX/XXXX I called and talked to XXXX and she stated they had not heard anything. On XX/XX/XXXX I called and spoke to XXXX and she stated that the dispute had been resolved and a letter was sent to me. On XX/XX/XXXX I received the letter from XXXX XXXX XXXX XXXX showing the {$53.00} as still due along with a copy of the bill effective XX/XX/XXXX to XX/XX/XXXX and a copy of an E-Mail dated XX/XX/XXXX stating that the automatic payment was declined. I called and spoke to XXXX and he said that he would put it in dispute for another 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Paypal Holdings, Inc
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The IRS  websites " get my payment tool '' said my stimulus check was going to be deposited on XX/XX/XXXX to my PayPal checking account..it has not gone into my acct.ive tried contacting the IRS 30+ times with no help then tried PayPal customer service with no help from them..my money is missing an I'm I'm extremely upset I need that money an I can't find anybody to help me solve the problem with my stimulus money going into my PayPal account!! Please help me out! PayPal has gotten alot of questions about people 's money the stimulus money that is being posted to b direct deposited into the acct an it hasn't!!

Company response to consumer: Closed with explanation