BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit 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:
To whom it may concern, On XX/XX/2019 I placed an order on Kohls.com for the amount of {$110.00} and incorrectly used my saved shipping address, which I have recently moved from. When I realized my mistake, within moments, I contacted Kohl 's customer service to have the order cancelled, per their policy. When I logged into my Kohls.com account, I saw that there was no way to cancel my order, so I contacted their customer service department. The customer service agent told me that because I elected to have part of my order for pick up at a store, and the other part shipped, I could not cancel my order or have my order redirected. Instead, I would have to track down the shipping companies and make my own arrangements. When I asked for a supervisor for further assistance, the supervisor advised me of the same issue, that she could not/would not cancel the order, and that I would have to make other arrangements. After this call, I proceeded to cancel my Kohl 's Store Charge Card and stated, I would not be able to receive the shipment, and I would not pick up the items in the store -- - and therefore, I will not pay the bill. 

My complaint is in two parts : one, Kohls.com policy is that an order may be canceled within 30 minutes, by logging into their ordering system and selecting cancel ( not available for me ) and/or by calling their customer service number. I was not able to cancel my order, even after I followed their policy -- - two,  because they would not cancel my order, I will not receive my order, and therefore, I should not be liable for : {$110.00}. Last, I was not provided the carrier or tracking information to change the direction of my shipment, and the supervisor could not confirm which carrier would ship my order, making it impossible to fix this issue. 

I am disputing a charge of {$110.00} on my bill, for goods I did not receive and I advised Kohl 's I would not be able to receive, moments after submitting an online order.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: TX
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX account on my credit report shows my old account was closed after a settlement, I did not do any settlement. I paid in full when I closed my account. 
I sent XXXX the letter from XXXX, where its says this account will be considered paid in full I paid a total of {$160.00} on XXXX XX/XX/2021 I spoke with XXXX at XXXX recovery department ( her team number is XXXX ) on XXXX XX/XX/2021 XXXX from XXXX customer service documented on my account ********** I also called XXXX  several times, sent them all the documents they need, they are still putting account was closed in a settlement which is not correct. 
Please help me to remove this from my credit report. 
I hope you understand. 
Thank you. 
Sincerely ~ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-10-28
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Our law firm uses Citibank N.A. for our banking. There are only two signatories on our account. Citibank negotiated a check made out to someone who has no signing powers on our account. The check was signed by this same person. We don't know who he is but suspect he is an employee of the shredding company that had that very day picked ; up boxes of documents from us fro shredding, including blank checks. 
Citibank very officially opened a fraud investigation and just closed it, claiming we had not lost any money. I want them to investigate how the bank permitted this non-signatory to submit a check for payment to himself. We also think that the bank should have referred the matter to the police.

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 2019-10-28
Company: EOS Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted repeatedly by a collection agency, EOS CCA, saying that I owe student loan debt. I paid off all my student loan debt last year ( 2018 ) and confirmed this via the Department of Education as well as by checking my credit reports. This company is harassing me and my family, refuses to send me a copy of the supposed promissory note they say I signed, and refuses my claims that this is not my debt. I have provided them a statement to this affect both verbally and in writing. I've never heard of this agency before and believe this to be an attempt at fraudulent collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2018-12-13
Company: EQUIFAX, 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 have been the victim of Identity theft the following inquiries were not authorized by me and these are the final items I have noticed : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03
Company: Experian Information Solutions 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:
Hello, I was looking at my credit report on XX/XX/XXXX there seems to be a few mistakes that were never corrected. Let me explain in detail I am being told I have 13 with XXXX  & that I have 8 inquiry 's with XXXX. This is 100 % inaccurate. I always pay my bills online and never signed any documents for any of these companies I list to run my credit report to anyone. I will show you the screen shots but I'll write here as well most of these are going to be from a car dealership that I never ever gave them authorization to run my credit score. this 100 % fraud and never authorized by me. The following items should be removed from my report from all credit agencies XXXX, XXXX, experian. XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX. Most of these companies i never even heard of I tried calling some of them and kept giving me run around. I never signed anything for any of those companies and I never applied online or gave anyone the right to speak on my behalf. This is 100 % fraud

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-08-22
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Good day, today on XXXX, I was told about hacking of my credit card information in which I called citi bank and was given the runaround, I pay my bill on time never late, someone has access to my online account with citi bank, I have never given no one any information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/XXXX I notice my ach payment was rejected by mortgage company for the month of XXXX, so I called and inquired about it. As a result, I made two payments on the XX/XX/XXXX and was told by a representative of XXXX mortgage not to be concerned since my payment rejected due to a mechanical issue. But, a month later in XXXX I notice it was a 30-day late payment on my credit report. Not only that I have reports showing inconsistencies some saying I was late in XXXX and others in XXXX. I was assured by the representative that I would not have any late payments on my report and XXXX Mortgage refuse to correct the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: PA
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX opened on XX/XX/2018 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I tried to call Experian on XX/XX/XXXX. On two different phone numbers. ( XXXX ) XXXX. And ( XXXX ) XXXX. I realized that on my credit report I have 4 inquires that I never did. 1 from XX/XX/XXXX from XXXX. 1 from XX/XX/XXXX from XXXX. 1 from XXXX XX/XX/XXXX. And one from XXXX XX/XX/XXXX. To dispute online it says it is not possible and to call so I called an couldnt reach a representative. So I XXXX XXXX   experian. And tried calling the second number. And again couldnt get ahold of experian. Experian is making it impossible to fix my credit. I previously in XXXX spoke with XXXX who said the inquiry will be removed. And these new inquiries are even more confusing as I never applied for them.

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 2019-01-31
Company: Cash Express, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I got a payday loan but due to financial stress and other family issues I was out of work for a month or so. I was unable to pay the payday loan I took out with Cash Express in XXXX XXXX, Tennessee back in XXXX. About XXXX of XXXX ( roughly XXXX of XXXX ) I tried to call them to let them know they could expect payment from me when I was regularly working again in XXXX. The lady who was named XXXX I believe was very mean and said we are going to collect on your debt and no we cant work anything out. You cant be trusted. Youve made your bed, now lay in it. And promptly hung up. Since then I have been struggling to catch up on other bills first, since I was unable to resolve the issue with them. They then began to call me multiple times a day, averaging about 8-10 times from the same number. Im finally sick of it after they have called me 29 times today ; XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a bankruptcy on my credit reports. The bankruptcy is stopping me from being able to get credit. I call the court they said they don't report bankruptcy to credit bureaus. I never follow through with bankruptcy. on my credit it shows that court house is reporting the bankruptcy. The credit bureaus says they get info from third party company. This bankruptcy should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Experian Information Solutions Inc.
State: DC
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 noticed a derogatory entry on my credit report, and called the company listed. It was a collections company, seeking payment on an XXXX XXXX XXXX account in my name. Someone opened up a phone line in my name, using my social security number - back in XXXX of 2019 and stopped paying on the bill. They owe about {$1500.00}. I called the collections company, XXXX XXXX XXXX, who insisted I file a complaint with you all as well as contact XXXX XXXX XXXX. I've reached out to XXXX XXXX XXXX and am awaiting whatever action they decide to take. This is a completely fraudulent account in my name and it should be removed from all of the credit reporting companies ' records of my financial behavior.

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 2019-10-28
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
After my father 's death, I tried to sell his house but only to find out there is a lien ( {$79000.00} ) from XX/XX/XXXX. The loan was refinanced through Wells Fargo in XX/XX/XXXX but they never sent the appropriate records to the XXXX County Courthouse. Now, the mortgage is with XXXX XXXX XXXX, XXXX and they started the foreclosure procedures. Ive contacted them for direction on to get a letter of satisfaction from Wells Fargo. They recommended I hire a realtor. That makes no sense. HELP! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( parcel XXXX ) Amount : {$79000.00} Instrument : XXXX XX/XX/XXXX Recorded XX/XX/XXXX This mortgage is re-recording of mortgage instrument XXXX satisfaction on XX/XX/XXXX. Instrument XXXX for Instrument XXXX only. 
Mortgage Instrument XXXX still remains open. 

Instrument XXXX XX/XX/XXXX Recorded XX/XX/XXXX Amount {$85000.00} Assigned to XXXX XXXX XXXX XXXX XX/XX/XXXX Instrument 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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

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 2023-02-18
Company: EQUIFAX, 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: 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00} Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00} XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I initially applied for two mortgage loans in the beginning of XX/XX/2019, there were some follow up questions and I provided all the required information almost instantly. I was refinancing my primary residence and investment property in Hawaii. The file was not fully underwritten in over 60 days. At the end of XX/XX/XXXX I decided to cancel the loan since I did not see any progress. I was referred to a different captive agent in Wells Fargo ( Sales Manager ) who was supposed to push things through faster. I initially re-applied around XX/XX/XXXX. After again a few back and forth follow-ups the loan was finally submitted on XX/XX/XXXX. Underwriter did not even look at the loan until XX/XX/XXXX and then the basic questions started to roll in about my ratios which were not even calculated correctly. Regardless, this was a clear Regulation B violation where I did not get a reply within 30 days from my loan submission. And this regulation has been violated twice! The bank 's excuse was that they are really backed up and don't have enough underwriters on staff. I have the proof in the text and emails.

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