BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
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:
I tried fixing this since XX/XX/2022 The collection is XXXX XXXX XXXX {$1600.00}. This collection has violated the HIPPA Law and FCRA! 
Also Ive done FTC for inquiries XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-03-29
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I entered into a consumer credit transaction with XXXX XXXX XXXX. I received a letter from Radius Global Solutions LLC stating that this account has been sent to them for collection. Upon receiving this letter, an affidavit, debt validation and cease and desist letter were sent to the address provided on the debt collection letter. Also, after investigating this letter, I noticed there were violations and federal rights being disregarded against me as federally protected consumer. According to 15 USC 1692k ( 2 ) ( a ), in the case of any individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

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 2021-03-29
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
The bank informed me that XXXX XXXX County reported missed payments for the XXXX and XXXX real estate taxes, I provided the bank with my proof of payments, the bank ignored the proofs and later claimed that it paid XXXX XXXX County again and the county refused to refund the money it paid. The bank then demanded that I must refund the amount that the county refused to return.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Yesterday when I was looking at my account it was no pending transactions. I had a balance of {$110.00} and available credit of XXXX. I made a payment of {$110.00} towards my balance at Keybank in XXXX XXXX NY. Then when I looked at my account my balance and available credit was changed only a little. I went back into the bank to see what was going on and they told me it takes 24 hours  to post to my account. I looked at my account today and it said I owe another {$220.00}. I went into the bank & they told me that maybe I made another transaction between yesterday and today when I know I didn't. 
I just looked at my account and now im seeing repeated transactions ( that I already made earlier this month ) saying it was posted yesterday. I know it was posted before then because I check my account every single day more than once a day. And the money was already took out of my account and credit for. 

I first got the secured credit card with a deposit of {$300.00}. I just paid {$110.00} yesterday now they're telling me I owe another {$220.00}. I dont know what type of scam they got going on but they're really the worst and I refuse to pay more than what I originally put on the card. I didnt have no late payments or anything. Actually I paid earlier than the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent a letter to all three bureaus reporting inaccurate and unknown things on my credit report but to this day nearly two months later I have not received a response yet. I was told maybe you can help me. It's three different bureaus and the fact that none of them even took the time to respond to me makes me feel like I'm being taken advantage of and basically ignored. Section 511 ( a ) plainly  states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It's currently XXXX so I ask that they please go ahead and delete those items. I demand these accounts be deleted immediately or I will file for litigation due to the blatant neglect you all have shown me. My information was also impacted by the XXXX data beach which caused some of my information to possibly get into the wrong hands. So this current neglect is only adding fuel to the fire. Please remove these items 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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 submitted a complaint last XX/XX/2023 and last XX/XX/2023 the companies involved responded. Some got deleted but there are STILL fraudulent items reporting on my credit report. I am submitting a new complaint hoping that you will assist me regarding my concerns because I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of 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 2018-07-30
Company: ONLINE Information Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018, I received an debt collection notice from Online Information Services, dated JunXX/XX/2018. I immediately sent Online Information Services a certified letter on XX/XX/2018 requesting debt validation of said debt. The certified letter was delivered/received by Online Information Services on XX/XX/2018 @ XXXX. On XX/XX/2018, I received an Alert that Online Information Services had place a {$82.00} Collection account on all three ( 3 ) Credit Bureau 's ( XXXX, XXXX  & XXXX  ). On today, XX/XX/2018, I received a letter from Online Information with a copy of an INVOICE dated XX/XX/2018 from XXXX XXXX for {$82.00}. This INVOICE from Online Information Services is not a valid debt validation and was placed on my all three credit bureaus prior to being validated. I have a {$0.00} balance with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: SYNCHRONY FINANCIAL
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:
WALMART CREDIT CARD Issued a credit card on my name without my autorization and reported to the 3 credit bureaus damaging my credit.They never talk to me about this card and I never disclosed my social security number to them. 

My son only request a user card for me, but did not mean they had access to my credit without autorization or responsable for this accounts either. This credit card has lower my scores dramatically. ( XXXX points ) from my last credit report. 

Last night I went to monitor my credit ( XX/XX/2018 ) with my bank ID alert and I was in shock with this issue. My son call Walmart customer service last night and today XX/XX/2018 ) to removed me from his accounts and fixed that error with the credit bureaus. 

Walmart never should issue a card without autorization of person involved, even if it is additional card.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-05-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Hello, I have submitted a request multiple times with CITI bank trying to get this resolved, nobody will help me and they are forcing me to pay for a purchase I did not authorize. This should be illegal on behalf of CITI cards. 
My statement stays the same : In XXXX I was abroad in XXXX and took a cab from the airport which I was quoted and told is XXXX Brazilian real = XXXX USD. I used Citi credit card to pay for the XXXX minute cab ride. The taxi driver quickly rushed me out of the car, swiped my card through the window using his phone paying system, did NOT obtain my signature and just drove off. 20 days later when I checked my statement from Citi card I realized I was charged {$420.00} for that cab ride! I was overcharged {$410.00}!!! I immediately contacted Citi and they reversed the credit pending investigation. They ruled out in favor of the merchant citing I did not have enough proof. How could I provide proof for something that I never approved or was never given a receipt neither did I sign anything??? I was scammed abroad. 
Customer service of the merchant does not provide English support so they are of no help. When I called and emailed Citi cards 3 times explaining in detail and talking for hours on the phone with different representatives, they are not willing to investigate further or obtain proof from the merchant, they are putting this responsibility on me, the consumer, who was scammed and a victim of bad business. They refuse to reopen the claim citing I still would not have the evidence. And in the explanation letter they are pretty much threatening to report me to the consumer reporting agencies if I do not pay the required and full amount ( which I believe is illegal to do so by FTC ). 

It has been the worst experience with the bank pretty much telling me it is my responsibility to pay over {$400.00} in charges I never authorized. This must be illegal and not fair towards the consumer. 
Please help me with this 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 2018-09-26
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XX/XX/XXXX - I contacted Navient regarding the status of my account. The representative informed me that it was past due and suggested I applied for an income driven repayment plan. I did as he suggested, over the phone with him, and we didn't disconnect until it was successfully submitted. He stated he would take care of the past due and bring my account back to good standing. At this point, nothing negatively had been reported to the credit bureau.

XX/XX/XXXX, I called in because my credit score dropped XXXX points. This was reported to the bureau on XX/XX/XXXX. The status of my account had been changed, according to the credit bureau, and my Navient balance had gone up nearly {$10000.00} over a 2 month period. I've been out of school for almost 5 years, this has never happened before! Neither was this explained that this was going to happen or that's in depth, what he was doing that day ( XX/XX/XXXX).

The representative stated that no later than XX/XX/XXXX my account would be updated and it'll return to as it was. I was furious because I informed him that I should've been on an income repayment plan by that point. I logged into Navient.com while on the phone with him and sent the proof that I'd successfully completed the documents while on the phone with the representative in XX/XX/XXXX. That means that in XX/XX/XXXX, my account status should've changed from " forbearance '' ( although I had no knowledge thats what it was under ) to " Income Driven Repayment '' ... They had not processed the application. 2 months, and they had not processed the application!

So XX/XX/XXXX, after speaking with him and he reassured me everything was fine, I got an email XX/XX/XXXX that my " Income Driven Repayment '' plan had been approved and in full effect. This was my second time doing so.

I called in today, XX/XX/XXXX, and was told that upon them fixing the error, the status of my account would go into past due. How can my account leave " IDR '' plan, to a past due status all because of them?! I'd be forced to make the payment. This is totally unfair, their error, their scamming, and no one to aid me. Please help me with this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced to get a better rate for my mortgage in XX/XX/2020. The new company that took on my mortgage was called BSI Financial Services. I paid my mortgage in full for XX/XX/2020 on XX/XX/XXXX. Then, in XX/XX/2020 I got a letter informing me that " the servicing of your mortgage loan is being transferred effective XXXX XXXX '' and " BSI will stop accepting payments received from you on XX/XX/2020 ''. As of XX/XX/2020 my mortgage was with XXXX XXXX. 

On XX/XX/XXXX, I checked my bank account, and I can see that XXXX XXXX took my full mortgage payment on XX/XX/XXXX, AND BSI had taken a full mortgage payment on XX/XX/XXXX. The payment BSI took is identical to the XXXX Payment I made. I have the bank statement to prove they took my money. 

I called BSI on XX/XX/XXXX and they assured my that my automatic payments were shut-off, and that my account is no longer with them. They said they have no records of taking my money in XXXX. I spoke with a BSI representative named XXXX, and she said all I can do is e-mail XXXX. I e-mailed BSI on XX/XX/XXXX, detailing the whole situation, and they never go back to me. I sent another e-mail on the XXXX and asked for a response within 24 hours and still got no response. Calling and e-mailing this company hasn't been working. The XXXX  mortgage payment BSI took of {$2800.00} is still gone from my account.

I XXXX   BSI and s
aw that they have had lawsuits with the Consumer Financial Protection Bureau before. This worries me because I don't want this company to get away with taking my money. And since they did it in  XXXX, I don't know how to stop them from doing it again in XXXX. I thought about flagging it as fraud with my bank ( XXXX XXXX XXXX ), but I figured I would try to contact the CFPB for help first since you have dealt with BSI before. All I ask is that I get my {$2800.00} back in my account, and written confirmation that they won't be taking any more of my money in the future ( since I am now with XXXX XXXX and they legally shouldn't be taking my money anymore ). 

Please contact me so I can provide you with my bank statements, the e-mail attempts with BSI, and the physical letters I got in the mail saying my mortgage was transferred and that BSI wouldn't take any money for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: FORD MOTOR CREDIT CO.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I became delinquent on my car loan in XXXX of XXXX. I called at that time and could not seem to get payments to go through. This resulted in an extended delinquent period of time. I began trying to resolve this again in XX/XX/XXXX. At that time they wanted to make it current for almost {$8000.00} but I could not at the time. I had my father attempt to resolve this issue with no success. I finally received financial counseling by the XXXX and they are trying to assist with a loan however Ford is stating they want payment in full. I received the debt validation letter from Ford showing my balance. I wish to be set up in a payment arrangement for the original payment amount of {$500.00} per month. Ford will not allow this to happen. Due to this extensive delinquency, my security clearance may be affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
On XX/XX/2020, Experian removed 2 accounts from my credit report. This has decreased my credit score from XXXX to XXXX, putting me in the " good '' area instead of the " very good ''. 
I had initially disputed these accounts because I had originally thought that they weren't mine. But I later realized that they were mine. However, the damage was already done, and the accounts were removed, causing my credit score to decrease. 

I would like for those 2 accounts to be added back on to 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 2019-02-21
Company: Experian Information Solutions Inc.
State: UT
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:
The late payments is inaccurate. I wasnt late 30 and 60 days for two consecutive months. how is that even possible? please remove the account. The XXXX XXXX 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 2017-09-14
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I 've been charged {$10.00} from XXXX, Equifax, and XXXX on XXXX XXXX XXXX to freeze access to extremely important personal identity information. I did not ever give them permission to collect, distribute, or sell this data. That data has now been leaked through no fault of my own, for reasons out of my control to the world at large. I have tried to contact the companies in question to obtain a waiver for these fees but they will not cooperate. 

They have taken my credit and identity information without my permission and they have lost it, but they refuse to take responsibility and still expect the people whom they have wronged to pay THEM to fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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