BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-08
Company: CITIBANK, N.A.
State: VA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2018-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Dear TransUnion, XXXX, XXXX  RE : Social Security Number : To Whom It May Concern : I have been informed your company placed negative miscellaneous erroneous information on my credit report. This is the third time I have sent in certified letters and I was told to file an FTC report and contact The CFPB. I am honestly unaware of the items you have placed on my credit. I am filing the accounts as an internal dispute and fraudulent at this time. The following inquiries are reporting incorrectly 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX 7. XXXX  8. XXXX  9. XXXX XXXX XXXX. I said inquiries not accounts please revise and make sure this is read correctly please. In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report. I have been a victim of identity theft in the past. I am disputing the erroneous inquiries as an internal dispute which takes 3-5 business days. I am disputing the inquiries as fraudulent. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate the inquiry information and provide me with original copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I sent a few certified letters 4 months ago and I havent received a response through the mail or email. I mentioned that I am unaware of the inquiries. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$10000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Here is my contact information is as follows : XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

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 2019-01-15
Company: Cash Express, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hi, I have been dealing with cash express for some time trying to pay off a title. The last payment was due on XX/XX/XXXX my last payment was due on the XXXX I assumed it was the same day every month. They charged a XXXX dollar late fee. I have already paid XXXX and they say I still owe XXXX on a XXXX dollar loan. The total of payments on my loan is supposed to be XXXX. It seems really shady and excessive fees for a loan. The lady told me when I took out the loan I would make 13 payments now they say its 22. Can you please investigate there policies and make sure they are following the guidelines. There predatory process has really put me in a spot.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
An individual accessed my online banking attempted to use XXXX, added a bill pay recipient, changed my address on file, and attempted to fraudulently deposit 2 checks each in the amount of {$1500.00} around XX/XX/XXXX. On XX/XX/XXXX, my account was frozen. I contacted Suntrust 's fraud department on XXXX stating the fraud and was informed it would be escalated with resolution in 2-3 days : the companys interests are held superior to their clients interests. 

A follow up on XX/XX/XXXX yielded no further information, but I am the victim of Identity Theft in the amount of {>= $1,000,000} to utilize for the policing of these wanton, reckless, and negligent organizations. 

Suntrust was already informed of their rights as concerned with the law : theft is preventing access to funds that are rightfully the property of said individual. The contracts written contain fine print and do not meet the definition of conscionable due to non-disclosure of said terms including their universal applicability : selective application is a criminal activity. 

In the case of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX al the following banks were found guilty of disability discrimination : XXXX XXXX XXXX XXXX The continued criminal theft and drug deals have been overlooked due to ample legal and monetary resources protecting illicit operations. Unfortunately, case law denotes, XXXX v. XXXX, their guilt regardless of their stance and comprehensive argumentation.

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 2018-12-19
Company: AES/PHEAA
State: AL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received notification from my job about a garnishment from XXXX XXXX XXXX XXXX XXXX. Per the notice they were garnishing me for {$14000.00} at a rate of 25 % of disposable income. I called and talked to XXXX at XXXX XXXX  XXXX, XXXX  - the lawyers representing the trust. His number is XXXX ext. XXXX. XXXX told me that this was a lone from XXXX XXXX back in XX/XX/XXXX and it was a private student loan to attend XXXX XXXX College for XXXX. I advised him that I have no knowledge of this loan and that I needed him to send me documentation showing that they not only own the loan but that I signed a promissory note with them - he stated that he would. Prior to this I have never heard of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXX  XXXX, XXXX. This has never reported to my credit report nor have I ever received any notification to verify this debt. According to the paperwork, the judgement was issued XX/XX/XXXX - I also have no knowledge of any court proceedings for this matter. I have done plenty of research on this company and I see they are being sued left and right for using false affidavits and misleading information to collect on debts. I will fight this all the way if I have too - there is no way that I am going to pay on a debt that is 14 years old to a company that I have no knowledge of. Please take this consent serious and help me and I am sure plenty other consumers from these deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
In XX/XX/2019 I purchased a set of 4 XXXX tires which came with a {$50.00} Reward Cash in the form of a debit card. A copy of the card displaying both sides is attached for your review. The card has since expired as it was not activated are used in a timely manner. However, due to the recent epidemic in which Federal mandates limited social interaction for almost eight months and placed families in financial hardships and burdens. How can the bank or financial institution affiliated with XXXX XXXX XXXX   XXXX deny or refuse to replenish monies promised that was never used but was budgeted? 
In speaking with the XXXX XXXX  reward customer service representative, the attitude was that their bank was not or will not reissue a replacement card and that they are sorry but you failed to use the card so you lose. 
XXXX XXXX  reward center showed no empathy for the consumer and its unfortunate that such a large conglomerated can dismiss and abuse their clientele without repercussions other than me boycotting their product line and socially bringing awareness to consumers.

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 2021-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My complaint should not have been closed and I am asking that it be reopened since Capital One Banks response is not acceptable. There was no fraud on my Credit Card account, I closed my account due to not wanting to deal with Capital Ones customer service in XXXX or the XXXX. It is not my responsibility to provide my drivers license to this bank to get my money from them. This is clearly a case of fraud being perpetuated by Capital one Bank. 



I had a Capital One Bank Credit Card which I closed out in XXXX of 2021. There is a credit balance on the card Of {$54.00} I was told would be mailed to me in the form of a check. It has now been almost six months and Capital One has refused to send me the balance claiming there is a restriction on my closed credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Paypal Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/18 was unable to find XXXX $ via ach transfer. 
On XX/XX/18 balance of XXXX $ was debuted from my existing PayPal balance. 
XX/XX/18 in addition to the XXXX $ taken on XX/XX/18 my bank account was compromised and XXXX $ stolen. 

They were unable to give me back XXXX $ I spoke XXXX id # XXXX supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Spoke with ShellPoint Sent letter to be updated regarding ownership of property NOT beneficiary which is what Shell Point Servicing Ownership Taxes Need letter for verification/finance purposes

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a follow-up to Complaint Number XXXX.

Nationstar 's response to the above-referenced complaint CONCEALED the existence of the mysterious {$60000.00} withdrawal ( see attached, pages 1 and 2 ), and the fact that XXXX ( as trustee ) was overpaid ( according to its own reports ) by {$25000.00} ( see attached, page 3 ).

The response also confirmed that Nationstar charged me a {$110000.00} undocumented " corporate advance '' plus {$180000.00} interest ON TOP OF the unpaid interest that was automatically added to the principal pursuant to the terms of my loan agreement ( see attached, page 4 ).

Nationstar 's falsified documents constituted a fraud on the court, and damaging me by {$380000.00} which amount I will seek to recover through an independent lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: EQUIFAX, INC.
State: MD
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being take advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It have been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
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: Their investigation did not fix an error on your report

Complaint:
I am speaking to XXXX XXXX XXXX, EXPERIAN, AND XXXX! 
For almost four months now I have been fighting inaccurate scores based on XXXX XXXX careless actions and i'm XXXX sick of this. This battle has taken a tremendous toll on my health and financial well-being! I am submitting two separate complaints as there are two issues that has occurred relating to the same but I NEED TO BE CLEAR BECAUSE THIS HAS GONE ON LONG ENOUGH!!!!! 

IN XXXX, XXXX submitted a code to XXXX, EXPERIAN, and XXXX to update a remark after a Federal Disaster ended. I found out yesterday that the code they submitted to you " CN '' is the same code they submit when a loan holder 's account is in a current loan modification status. MY ACCOUNT IS CURRENT!!!! MY Loan Modification was in XXXX! Where is the common sense in using the same code for people in a current Loan Modification status and someone whose account is current, but needs remarks updated about a previous loan modification status? There is no sense in that! 

It all comes down to the code that XXXX submitted in XXXX that started all of this! XXXX, XXXX, AND EXPERIAN have still not recovered my scores they way they were before XXXX submitted that code in XXXX! I initially lost 54 points from XXXX, 41 from Experian, and 34-41 points from XXXX. MY ACCOUNT IS CURRENT AND HAS BEEN FOR THE LAST THREE YEARS!!! There are no words to describe how XXXX  this nightmare has been since XXXX submitted that code in XXXX XXXX. A code that was simply to update a remarks however put my credit score in a devastating tail spin that has prevented me from getting the best insurance rate and the best rate after my promotional interest rate expired on my HELOC. Most importantly XXXX XXXX, XXXX, EXPERIAN, AND XXXX you took away my peace of mind and all of the hard work I've put into building a credit score that I was very proud of. 

I now have an attorney as this was too much for me to endure alone. XXXX, XXXX, XXXX AND EXPERIAN have violated my rights as a consumer under the Fair Credit Reporting Act.

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 2018-12-19
Company: Army and Air Force Exchange Service
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I signed up for this card back in XXXX in store and in XXXX a year later I lost the card and I have not bought anything from the store since. Around XXXX or XXXX of this year I paid the balance off in full and I have tried to apply for a home. The mortgage lender told me I had a collections account still on my credit from XXXX XXXX. I told them I paid the balance and provided the letter of payment from the military star. After talking with the broker I looked at the copy of my credit report to find that military star has been fraudulently pushing the date of delinquency by changing the information reported to the bureaus. XXXX XXXX is first reporting that the current status of the account is in collections/charge-off state. Second they report that I was late 5 times over 90+ days late but you do not find that information anywhere in my payment history on my XXXX  report, but on my XXXX report they do not report me being late and do not display any payment history at all as if I went straight to collections when I opened the account. On my XXXX report they also still have the current status of the account listed in the charge-off /collection state which is not accurate. Not only is XXXX XXXX reporting false information but they are not consistently reporting the information, and they are " Re-aging '' the account by changing the date of first delinquency. I have attached the paid in full letter from XXXX XXXX showing that the account should be listed as paid.

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 2018-12-19
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: Old information reappears or never goes away

Complaint:
I was denied a loan by XXXX XXXX XXXX after two inquiries provided misleading and inaccurate information. The two companies that provided the derogatory information were Transunion and XXXX XXXX. I have requested specific information from all three entities to elaborate on this information used against me and gotten no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: ProCollect, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company did not notify of attempt to collect debt in writing. Company reported incorrect amount of debt. Company threatened to take legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Inquiries below aint mine they are fraudulent.Please remove as soon as possible. They should not be on report. 
-- -- -TRANSUNION XXXX -- XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, 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 2020-07-31
Company: HEARTLAND PAYMENT SYSTEMS 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:
In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureaus to have these items removed. 

I have requested that the creditor and/or credit bureau provide me with proof that the debt is mine but they have yet to do so. My requests are ignored and I am instead sent a bill to pay. During this time, I have been consistently harassed via phone and mail to pay a debt that is not mine.

Company response to consumer: Closed with explanation