BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX XXXX XXXX  Account number XXXX I DONT HAVE AN ACCOUNT OR CARD THIS IS NOT MINE IVE DISPUTED AND NO RESOLVE

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 2019-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
XXXX XXXX XXXX Mastercard issued by XXXX XXXX is not giving me my refund for an item I purchased in good faith that did not fit. 
On XX/XX/2018, I received a XXXX XXXX XXXX choker that did not fit so on XX/XX/2018 I returned it to Saks via XXXX. I placed the order online and send the item back immediately. I did not wear it, use it or abuse it. 
Saks claims the item is damaged and will not issue a refund. They are sending the item back to me. This item could have been damaged in transit during the XXXX rush or by one of their employees, but Saks chose to blame it on me and hold me liable for the amount of {$1000.00}. 
I need help resolving this. This has never happened to me in my life. I only had the item in my possession for 3 days and DID NOT USE OR WEAR IT. This is unfair and I need help resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX  and XXXX ) via certified mail on XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. 
In my letter sent and received by Experian, XXXX  and XXXX  on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 3 months and I have not received any responses back from either Experian, 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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$10000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXXXXXX : {$3200.00} XXXX XXXXXXXX XXXX XXXX  {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$49.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXXXXXX XXXX XXXX  {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX$2100.00} XXXX XXXX XXXXXXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX XXXX {$1600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 and Transunion are reporting incorrectly a collection on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was never notified that this account was in collections. In addition, this account reports a {$0.00} balance and {$0.00} past due. This false reporting of a collection for an account that has a {$0.00} balance and {$0.00} past due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this line item however I have not been successful.

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-04-26
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have attempted to file a dispute with Experian regarding the age of the collections for XXXX XXXX XXXX and XXXX XXXX as my dispute was denied. The above mentioned accounts are old and have aged out of the reporting timeframe of 7 years allowed 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 2020-10-26
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because DESIGNED RECEIVABLE SOLUTIONS, INC has damaged my financial emotional life. They have been being negligent with their report. The accounts involved is the followings : Account number 1 : XXXX Date Opened : XX/XX/2019 Original Balance : {$220.00} Account number 2 : XXXX Date Opened : XX/XX/2019 Original Balance : {$75.00} I am demanding the item completely removed from my reports. My demand is based on the following actions by this company Re-aging account., Unfair business practices., Negligence., Failure to provide customer adequate customer service., Violation of CCRA., inconsistent report across bureaus., Failed to mail adverse notices., emotional stress, credit score drop, etc. 

Please send the attached documents to the company. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: CT
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 requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I was instructed by what I later found out was an imposter to pay some vendors on a XXXX job I was being hired for. I was instructed to send two money grams to XXXX XXXX ref # XXXX for {$1300.00}. and XXXX XXXX ref # XXXX for $ XXXX- they are nothin XXXX XXXX . The check given to me to pay this ended up being bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We rented a property listed in XXXX. A XXXX reached out to us and approved our rental application. He requested I make a security deposit FOR A TOTAL OF {$2400.00} to an account at Bank of America with account number ending in XXXX of a Ms XXXX XXXX of which I did, in addition I sent another payment via XXXX to an account with the name : XXXX XXXX at XXXX in the amount of {$300.00} for utilities & maintenance. I requested the keys and they wanted {$500.00} more, to be deposited I found it suspect so I went to the home, and there was a sign for an invitation to lease the property from XXXX, so I called XXXX and asked why the house was still available when we currently held a lease for this property and we had paid {$2400.00}. Ms XXXX from XXXX told me I had been scammed and that I should file a police report immediately, which I did at XXXX, Fl police department. The officer told me to also notified Bank of America of the fraud. So I went personally to the bank, but they told me there is nothing they can do. I feel Bank of America is aiding and abetting their customer who is currently fraudulently using their institution as an instrument to steal from senior citizens.

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 2020-10-26
Company: CITIBANK, N.A.
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 applied for 3 month extension for covid-19 - never knew it was never processed until I got a past due notice in XXXX - Which I paid immediately and when I called Home Depot they said it was never processed completely. Home Depot reported me 3 months past due!!!! 

I've disputed with the credit bureaus and Home Depot and the representative said there wasn't a program in place in XXXX but I was denied for the " program '' in XXXX - so if there's no " program '' what did I sign up for? 

I've called several times to escalate my call to a supervisor and continue to get the run around. 
In my opinion this is a common sense error that could have been rectified with a simple common sense approach - spoke to XXXX executive office said she has to review account could take another 15 days ... 
COVID19 HAS TAKEN EVEN COMMON SENSE FROM PEOPLE!!!

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 2021-04-13
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
SHELLPOINT MORTGAGE DECLINES TO SEND MONTHLY STATEMENT OF ACCOUNT VIOLATING XXXX The periodic statement must be delivered or placed in the mail within a reasonably prompt time after the payment due date or the end of any courtesy period provided for the previous billing cycle. The periodic statement must be delivered or placed in the mail within a reasonably prompt time after the payment due date or the end of any courtesy period provided for the previous billing cycle. 
( c ) Form of the periodic statement. The servicer must make the disclosures required by this section clearly and conspicuously in writing, or electronically if the consumer agrees, and in a form that the consumer may keep. Sample forms for periodic statements are provided in appendix H-30. Proper use of these forms complies with the requirements of this paragraph ( c ) and the layout requirements in paragraph ( d ) of this section. 

I DO NOT WANT ELECTRONICALLY ISSUED STATEMENT. VIA EMAIL I HAVE COMMUNICATED IT.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
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 is missing that should be on the report

Complaint:
To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s )  listed below are as follow : Have enclosed a two bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX BEEN LIVING THERE SINCE XX/XX/XXXX THESE ADRESSES ARE MY OLD ADRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX   XXXX , FL XXXX Old number and is no longer mine : XXXX *****MY CORECT NUMBER XXXX CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 

XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-04-29
Company: Guidance Alum LLC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I got scammed by Guidance Alumni. Will I be able to recover the funds.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to make contact with a individual via telephone and I am not able to speak to anyone. I am put on hold for several minutes. However, I am getting letters that they need funds before a certain date. I would like to discuss other payment arrangements but I am unable to do so. I have continued to make my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Santander Consumer USA Holdings Inc.
State: NC
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 voluntarily surrendered my vehicle to the company around XXXX XXXX after a couple of months I found out that the vehicle was sold but the company sent me a remaining balance. However, instead of giving me time to pay this balance, they reported the account as charged off when it should at least still be opened until I pay the agreed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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:
I am writing to formally file a complaint regarding several collection accounts that have appeared on my credit report, which I suspect may be a result of identity theft. Despite my efforts to address this issue with the credit reporting agencies and the involved creditors, the matter remains unresolved. 

Upon reviewing my credit report, I noticed the presence of multiple collection accounts that I have no knowledge of and have never initiated. These suspicious accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I suspect that my personal information XXXX have been compromised, leading to fraudulent activities on my credit 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 explanation
Consumer complaint received 2019-01-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XXXX, XXXX statement there was a mathematical error in computing a 'new total balance. ' From the amount of 'previous total balance ' of {$64000.00} there was deducted a payment made in previous month of {$1400.00}, added a ne charge of accumulated interest of {$240.00} which should have produced a 'new total balance of {$63000.00}. Instead a 'new total balance ' was provided as XXXX of a fraudulent increase of {$400.00} for no apparent reason. On XXXX, XXXX the amount of unexplained difference increased to {$400.00}. On XX/XX/XXXX I and my husband visited the local branch of Citizens bank and asked to correct the computational mistake. Instead we were told that the increase is a penalty if we prepay the loan before 3 years. This is a XXXX because in computations there is a line for " fees ' where that amount should have been mentioned if the computational equation should have ended in the 'new total balance ' of {$64000.00}. Moreover, why that amount has never been reflected in the computations since XXXX when the loan was initiated? Why that unexplained " charge '' appeared suddenly on XX/XX/XXXX statement?

Company response to consumer: Closed with explanation