BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Inquiries : Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I notice unauthorized inquiries reporting, I have called both creditor and credit bureau and have sent certified mail documents. 
XX/XX/XXXX - XX/XX/XXXX - XX/XX/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 2020-10-30
Company: CITIBANK, N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX hiker break my computer and transferring XXXX $ money from my checking account that is citybank and account # XXXX i call to bank an report about a fraud. Bank transferring money without any my identity. If you call to bank to be able start to talk they ask you security questions after that they sent security pin to your mobil phone but international transferring money without any security.After 3 months investigation they close my case and deny my report.I lost money and bank don't want to be responsible at all. That is not right.

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 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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/2020, I wrote all 3 bureaus and asked them to look into some accounts on my report that are inaccurate. I sent these letters certified mail and I have record that they were received. Since then, I have sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020. I have yet to see any information regarding the accounts that I am challenging, nor has any of the misreported information been updated. It is a clear violation of the FCRA to continue to report incorrect information after they are made aware of the mistake, isn't it? I feel that my rights are being violated and it is having a negative impact in my life, for obvious reasons. I have tried to maintain patience however, this has gone on for far too long and I want these issues addressed immediately. 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 2019-08-09
Company: EQUIFAX, 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:
I've tried several times before to correct errors on my consumer credit report with the CRA and as of today to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
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: Card was charged for something you did not purchase with the card

Complaint:
Citi XXXX has been posting and charging on my Simplicity card last XXXX XXXX charge ever since 2016 bogus charges that I di n't make, these charges have been going on since 2016 I have reported them to Citi XXXX they said that they were going to invetigate these charges but they have not done so and they continue to allow the bogus to go on and my balance has continuosly going up and with all their charges, interest and handling fees and all other bogus fees my balance har risen to enormous proportions in the neighborhood of {$3000.00} dls that I will never be able to payup. 
I would like for you to investigate this and make this bank to stop these charges and credit my account with all those extra charges that they include. 
Also I only have two card on which I owe money to the and I only used them once, but they also clain that I have two Simplicity accounts and on Preffered acount but as I stated bafore I only have one Simplicity account ending in XXXXand a prefered ending in XXXX but they also show that I have another Simplicity card ending in XXXX, again I have not used these card but once to make a purchase and have not used them again since they were issued to me, so please help me solve this problem

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 2020-09-11
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt collector and merchant XXXX XXXX XXXX won't provide proof of debt. I paid my dental payment upfront on my CC. My insurance was XXXX and they stated that XXXX XXXX XXXX screwed up and didn't submit the claim. The merchant then tried to send me a bill over a year after ( fair debt violation ). Lost my tooth anyway entirely. My regular dentist stated they should have given me a complete refund for the loss. The date the debt collector put on my credit was also way after it happened. I keep filing a dispute on the credit report as inaccurate and sent a letter to the merchant and debt collector asking for proof of claim and debt with no response. There is zero verification of debt. I had a fixed dental insurance amount and I paid and was covered under my insurance. Then they try to bill later because of their XXXX up. On top of it. I am getting hit monthly as the debt collector is filing a no pay monthly. I don't have a monthly payment agreement or anything like that as I dispute the debt entirely and should be refunded. All I want is it to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
i accidentally made a payment for {$750.00}, it was supposed to be XXXX $ back on XX/XX/XXXX, i have contacted the bank on XX/XX/2020 they made me send proof of payment which was sent XX/XX/XXXX to operations research and when i called on XX/XX/XXXX i spoke with XXXX she said refund was issued XX/XX/XXXX, and they they would expedite my refund so 3-5 days but she did not sound to sure of her self so i called be back the next day spoke with XXXX in disputes, XXXX in customer service and billings who transfered me to XXXX who said my refund should be 7-10 days and they would mail a check. well its now the XXXX and no refund. when we spoke with reps i asked to file a complaint about the deceptive practice of lying and how they are misleading me about the process of a refund and the story keeps changing every time i call. 

on XX/XX/2020 i called and spoke to XXXX in XXXX XXXX texas she is a supervisor who was rude and deferred any actions that were not taken by previous reps and told me that they did not start any process to refund till the XXXX, this seems very dishonest and deceptive that i have been lies to and that the company held my money for 2 weeks before they decided to refund me my money, she also did not state anything about the complaint i had filed my bank was unable to recall the payment because its was electronic payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: FIRST CITIZENS BANCSHARES, 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:
To whom it may concern : My name is XXXX XXXX XXXX and the reason for me writing to you today is to complain about XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase I had XXXX worth of virtual coins. As soon as the market started going up my account was locked. Once I managed to get into my account the money was gone showing empty funds. 
I have contacted coinbase several times with no luck. 
This has been going on for over 4 months, today my virtual currency would be worth up to XXXX. 
My case number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This concerns a report to the " XXXX XXXX XXXX XXXX ''. A XXXX XXXX from PNC Bank k submitted a " Dishonored Check Reporting From '' to this organization. The form listed a check. The listed check was honored. I asked that they correct their error but to no avail. A XXXX XXXX from PNC Bank called me and just read off pre-prepared form with excuses without substantively addressing the problem or taking an interest in correcting the problem. Now I have an attorney grievance committee filing a complaint about a dishonored check that was in fact honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: BOK FINANCIAL CORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX has rules that unfairly punish first time homeowners. I went to have my MIP/PMI removed based on my loan to value being under 80 % now. My mortgage company stated I can not ever have my MIP removed due to my loan originated after XXXX XXXX 2013. Consumers who had a loan prior to that date can have it removed based on LTV of under 80 %. This rule also applies on all conventional loans, but because I purchased my home using a FHA loan on XXXX 2013 I am obligated to pay insurance of almost {$200.00} a month when it is not needed based on my current LTV. The only way for me to remove this unnecessarily payment is to refinance my home which would be costly based on fees. This rule hurts home owners who could n't put a higher down payment and unfairly targets those with lower income. This rule only benefits insurance companies and hurts those who can least afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collection company Wakefield and Associates is trying to collect a medical debt I was told by hospital I was not responsible for when I signed for treatment. I was hit by driver and was informed by hospitals XXXX and XXXX XXXX aka XXXX XXXX that the driver that caused accident was responsible for payment. Also other issues with these debts is that I was warned by credit monitoring service that Wakefield has been adding interest onto the medical debts. This is without ever verifying the debts with me. Also how do you add interest on to medical debts. I have images of the added interest from the credit monitoring service it seems Wakefield is adding small sums onto each debt they have. My main complaints are that I was told by hospital that I would not be responsible for payments as the driver who caused the accident was. If I knew that would change there is no way I would agree to be the responsible party. Also Wakefield has reported this debt against my credit and appears to be adding interest to this medical debt without me ever acknowledging this debt.

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 2020-05-19
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SOURCE XXXX ALERT DATE XX/XX/2020 BALANCE AMOUNT {$3300.00} IS COLLECTION Yes OPEN DATE XX/XX/2020 PAYMENT STATUS Grid Code G ( Collections ) STATUS DATE XX/XX/2020 NAME CREDENCE RESOURCE MANA PHONE BUSINESS TYPE XXXX STREET ADDRESS XXXX XXXX XXXX XXXX XXXX CITY XXXX STATE TX ZIP XXXX This account was from XXXX as a result of identity theft. I already have this removed from XXXX and XXXX, however it is still on my XXXX Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX  CONTINUE TO VIOLATE " FCRA '' SECTION 604, 605,607, 609 AND 623 ( a ) with reporting accounts not mines and sent in letter and document proof 2x from creditor stating the same to remove accounts errors from credit file " NOT MY ACCOUNTS '' ... '' XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX '' ... REMOVE ALL FRAUD ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
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: Information belongs to someone else

Complaint:
XXXX  CONTINUE TO VIOLATE " FCRA '' SECTION 604, 605,607, 609 AND 623 ( a ) with reporting accounts not mines and sent in letter and document proof 2x from creditor stating the same to remove accounts errors from credit file " NOT MY ACCOUNTS '' ... '' XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX  XXXX XXXX, XXXX '' ... REMOVE ALL FRAUD ACCOUNTS

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 2023-06-10
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Lately as Ive been monitoring my credit report Ive continuously noticed repeated errors and changes as it relates to my credit reports. Is there a reason this is continuing to occur?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Navient Solutions, LLC.
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have had issues with Navient ever since they took over my account. Right now, I am not even able to log in and receive information. However, my chief complaints are 1. Refusal to acknowledge option to consolidate away from Navient to XXXX XXXX XXXX requiring me to have XXXX assist me during a call to Navient, in which they still resisted providing the information. 

2. Never providing information on income based repayment, repeatedly forching my into forbearance and deferrals. 

3. Refusal of my application for foregiveness based on my years of XXXX in a XXXX XXXX school. 

If pursuing these is of benefit to me, I will contact NAVIENT and attempt to get the required details from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: National Credit Adjusters, LLC
State: MS
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:
This Account is closed and the account removed about a year ago from my reports. Now it is added back after the co. Sold the account. And the Company that bought it is also reporting it and giving a different amount that was owed and open status and a brand new date for this account as to when it was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/XXXX, I sent out dispute letters to XXXX, XXXX  and Equifax credit reporting agencies. I received no response from the other agencies. Equifax tried to say they didn't receive the letter yet and to wait a few more days. At this point it has been well over 30 days. They claimed they couldn't authenticate me even though I had answered the questions straight from the credit report. I contacted all agencies and they claimed that they didn't receive them. They then claimed a third party sent out the requests. All requests came from my hand and were hand mailed out by me. How can they claim that there was a third party involved if the never received anything? This seems like a stall tactic by the credit bureaus to give a hard time to consumers because they don't want to have to deal with the removal of these items for dispute. 

These letters were done by me and mailed by me. They claim its a third party but in the same breath say they never received anything. How can it be both. They have had 60 days to respond and haven't. I disputed 2 Bkpcys on my credit out of California because I have only ever filed one Bankruptcy and that was a Chapter XXXX in Ohio in 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: AVANTE
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Avante disclosed personal/specific alleged debt specifics to a third party at telephone number ( XXXX ) XXXX, which is not any point of contact for myself

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: EQUIFAX, 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:
To whom it may concern : My name is XXXX XXXX XXXX and the reason for me writing to you today is to complain about Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I attempted to buy a ladder online. Apparently the company is not legitimate because they never sent the ladder and they are unreachable. I used PayPal to pay for the purchase. PayPal claims to offer Purchase Protection in cases like this. I have asked PayPal, through the PayPal website, numerous times to refund my money. But since they are on limited staff due to covid19, they won't answer the phone. They immediately close the claim and they don't refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Was charged unusually high interest rates and fees.

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