BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
These unauthorized transactions removed funds my checking account. 
XX/XX/2022 {$220.00} XX/XX/2022 {$290.00} XX/XX/2022 {$6.00} XX/XX/2022 {$8.00} NSF charge resulting from unauthorized transactions. 
XX/XX/2022 {$36.00} Total amount of dispute {$560.00} XX/XX/2022 I notified the bank in person of the unauthorized charges. They said it happened on my card. I showed them the card. I never lost possession of the card. It is now cancelled. I still have it. I requested a refund in accordance with FDIC rules. It has been a month and the the bank has failed to 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 monetary relief
Consumer complaint received 2018-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have attempted to contact this company and express that I was the victim of identity fraud. I sent over documentation of a police report and asked that this account is removed due to fraudulent activity. They havent done anything to reconcile this matter. As a result, my credit have been severely damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
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 have had an ongoing issue with the reporting of a company called XXXX XXXX XXXX DBA XXXX XXXX XXXX. They continue to inaccurately report things on my credit, causing hardship. The 1099 shows that the debt was cancelled as of XX/XX/XXXX, yet it is still being reported negatively on my credit past that date, showing I have a negative payment history from XX/XX/XXXX until now. How is it negative if it is cancelled? I have also attached the certified mail letter I sent to the finance company, which they refused and returned to sender. I would like this account completely deleted from my report as they refuse to cooperate and / or report accurate 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 2021-03-30
Company: Terrill Outsourcing Group
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a phone call stating a debt was owed. I've never had an account with this merchant and can not find anything on my credit report relating to this account. The merchant has never sent me any statements or anything in the mail regarding this account. I have experienced identify theft and my information has been stolen and used to open accounts previously. I had no idea who this company and is why they are contacting me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: The CMI Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THIS DEBT WAS A RESULT OF SOMEONE USING MY ID TO OPEN A UTILITY ACCOUNT WITHOUT MY KNOWLEDGE.CREDIT MANAGEMENT LP # XXXX I DO NOT HAVE XXXX XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: PREFERRED CREDIT INC
State: LA
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:
It is showing on my credit reports that Preferred Credit did a hard inquiry on XX/XX/17. An inquiry/letter was sent to the company to provide explanation for the hard inquiry. Preferred Credit responded by stating that my credit was pulled on behalf of XXXX. I have never visited XXXX or given anyone from the company permission to run my credit or provide my personal information to any other parties. I have never received any services or financing from XXXX. XXXX is an unknown company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Experian Information Solutions Inc.
State: IL
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 having trouble with a Experian website that is run by abe.illinois.gov, and have the Experian Ref # XXXX.

I tried to manage my case with the Illinois XXXX  portal website to update my phone number with them. Was unable to be verified and continue to run into this glitch issue.

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 2021-08-21
Company: EQUIFAX, INC.
State: TX
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 have been disputing inaccurate information being reported to my credit report and XXXX, Equifax, and XXXX  have failed to properly investigate this account XXXX XXXX as per FCRA guidelines and continue to report false information to my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Loan Number : XXXX XXXX XXXX XXXX Attn : Customer Service XXXX XXXX. XXXX XXXX XXXX, Texas XXXX RE : Notice of Error for Outstanding Mortgage Balance for XXXX XXXX XXXX # XXXX Dear XXXX XXXX Customer Service Research : XXXX XXXX has made the error of NOT subtracting the tax and insurance payments made by XXXX XXXX from the outstanding mortgage balance since 2015. Since 2015, XXXX {$36000.00} or more [ i.e. {$31000.00} ( Taxes ) + {$4700.00} ( Insurance ) ] has been paid by XXXX XXXX for taxes & insurance but XXXX XXXX REFUSES to subtract the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance. 

XXXX XXXX has ignored this Notice of Error caused by them since 2015. 

Because XXXX XXXX refused to correct the mortgage balance - they pushed my property into FORECLOSURE & have ruined my credit score & prevented me from modifying or refinancing my loan. 

XXXX XXXX has caused my credit score to decline from XXXX to now XXXX ( XXXX ) and XXXX ( XXXX ). 

XXXX XXXX can resolve this problem by subtracting the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance and modifying the loan. 

OR sell back this loan to XXXX ( 2nd lien holder for them to modify the loan ) AFTER correcting the incorrect mortgage balance ( i.e. subtract XXXX {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance & sell back the loan to XXXX the 2nd lien holder ). 

XXXX XXXX has refused to correct the error with the mortgage balance after countless proof of payment for taxes and insurance were sent to their attention. 

Attached are evidence of tax and insurance payments made by XXXX XXXX from 2015 to present. 

Duplicate tax and insurance payments were made by XXXX XXXX/XXXX/XXXX from 2015 to present ( for which they were refunded ). 

Attached are the following documents Tax payments ( school and town/county tax ) made by XXXX XXXX from 2015 to present Insurance payments made by XXXX XXXX from 2015 to present & ( for the life of the loan ). 
Tax payments refunded to XXXX XXXX/XXXX from 2015 to present by 1 ) XXXX XXXX Receiver of taxes and 2 ) XXXX XXXX As required by law, XXXX XXXX must correct this error or XXXX XXXX will contact New York State XXXX  XXXX XXXX XXXX at XXXX and at XXXX. 

As required by law, XXXX XXXX must provide a written respond to this Notice of Error within 30 days. 

All taxes and insurance has been paid by XXXX XXXX since the loan inception. 

XXXX XXXX has been refunded for all taxes that it has paid in duplicate since 2015. XXXX XXXX has never made insurance payment for Loan # XXXX. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX 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

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 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There is a collection account on my credit report, that does not belong to me and I want it removed. 
Details below Name of Company XXXX XXXX Account Number # XXXX COLLECTION Opened XXXX Amount {$220.00}

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 2021-08-21
Company: Paypal Holdings, Inc
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello CFBP, My name is XXXX. I have a serious issue with Venmo. On XX/XX/2021 XXXX XXXX Mountain Time {$1400.00} was sent to me from my other account using my XXXX XXXX card. 

I tried to transfer the money but it wouldn't let me so I waited till XX/XX/2021 to email a ticket notifying them to unfreeze my account. I was contacted by customer service agent named XXXX XXXX on XXXX XXXX at XXXX XXXX  Mountain Time who forwarded my ticked to someone named XXXX XXXX an Account Specialist. 

On XX/XX/2021, XXXX XXXX emailed me to send them my ID and bank statements to prove to them that the card itself was mine and under my name. I sent them my ID and bank statement around XXXX XXXX Mountain time the same day. 

On XX/XX/2021 XXXX XXXX emailed me mentioning he has permanently deactivated my account even though everything I sent to him was valid. I emailed him back around XXXX XXXX Mountain Time mentioning I could provide more info to verify that the card was mine. I even offered my own social security and birth certificate. In the email he mentioned I violated one on of their policies and didn't clearly say what policy. The communication from him was very unprofessional and not informational. In the email it mentions they would be holding my funds for 180 days which is awful when I am in desperate need for the funds. I need the funds in order to pay my bills and utilities. Holding my funds for 180 days almost sounds like tyranny in my opinion. 

I've have been trying to get a new account specialist to look at my account and trying to get it unfrozen but Venmo seems to be ignoring my tickets. I desperately need my funds in order to pay my bills and other things in my life. I have also read on the web that they are doing this to many other people who are in need as well especially in this pandemic. 

CFBP if you could please help me get this issue fixed, I am in huge need for a resolution to the unprofessional work Venmo has done to me. 

In the following documents I will provide proof of my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-21
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Purchase of {$47.00} on XX/XX/2021, using PayPal for payment. 

URL : XXXX XXXX  XXXX Seller info Transaction ID XXXX Delivered XX/XX/2021 Upon receiving the item, was clearly not as described. Appears to be a complete scam. 

Contacted seller, requested refund. Offered 50 %, then 60 % refund. Ultimately PayPal offered 100 % refund but requires " me '' to ship the goods back to XXXX, at my expense. I have no issues returning the item but not at my expense. Getting the run around. The cost of shipping to XXXX with tracking is more than the requested refund. Complete scam. 

This also seems to be a regular scam with PayPal and XXXX based merchants you should be addressing. 

For reference : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Text from the PayPal dispute provided below, case XXXX. 

Requesting a full refund. {$47.00}. The item received was not as advertised. Appears to be a complete scam. Looks like a cheap piece of plastic made and painted by a XXXX year old. 

Claims ( from the attached screenshots labeled " As Advertised XXXX '' ) " XXXX Full Metal Car Engine Assembly Kit '' Not true, single piece of plastic, no moving parts. Not an assembly kit. 

" car engine build kit is designed based on inline gasoline engine, but work with electric motor instead of gasoline '' Picture with an electric motor attached. No electric motor provided. No moving parts. 

" This four-cylinder engine is sent with kit ( 500pcs+ ) with a metal box ''. 
Not true, ONE plastic piece. Missing 499+ parts. 

" The whole process is close to the professional assembly line process. Its interesting and full of experience '' Not true, nothing to assemble. Complete garbage. 

" High Craftsmanship : The whole car engine is made of metal. With XXXX precision casting process, aluminum alloy oxidation, looks gorgeous. Ideal for gift collection. '' Not true. Not metal. 

" XXXX XXXX That Works : Working Principle - It is an electric engine, works with electric motor and 700 mah lithium battery. Under full power state, it works around 30 mins. '' Not true. No moving parts. Not electric motor. No Battery. Works for 0 minutes. 

I could keep going if needed. Please see the attached screenshots.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-03
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Im am having a very difficult time working with Shellpoint for a FHA short sale approval. We have done everything Shellpoint has asked for. We placed the property on the market at the approved value completed by Shellpoint. We have submitted a short sale offer with the requested NET to NEWREZ/Shellpoint of {$360000.00}. We have also removed the requested liens that FHA will not pay. 

Over the past couple of days the assigned rep. XXXX XXXX has been somewhat difficult to work with. He keeps asking for documents we have already sent more that once. Hes asking underwriting and processing questions that make no sense. After a week of confusion he is now stating we have to remove the relocation assistance of {$3000.00} for the Seller XXXX XXXX. Shellpoint has stated in print and verbally over the phone she would be eligible for relocation assistance. In 12 years in doing short sales I have never seen FHA deny relocation assistance to a hardship file. Ever. The XXXX family is losing their home due to a medical hardship and based on the info Shellpoint provide they were expecting that to help them relocate. These are funds that are needed for this family during the time of COVID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a military spouse attempting to resolve the below account. I disputed the item and the debt collector immediately increases the debt balance. The balance has since decreased. It is illegal for a debt collector to increase the balance to prove a point. Please help me resolve this issue/account. 
Account info Account name MIDLAND FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1700.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance {$1700.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Applied for and approved for XXXX Preferred Business Card from American Express in 2018 with XXXX point sign up offer. Spent the required {$5000.00} in 3 months and did not receive XXXX points. Talked to rep. and found out was denied bonus. They opened an inquiry but the points are still missing. I would like it researched and points awarded for the following reasons : -Have only had XXXX or XXXX American Express cards in last 20 years. ( still have 2 of them ) -Have never had the American Express BUSINESS card before so the once per lifetime bonus rule in the fine print has been followed. 
-Never received a pop-up message while applying online or any mail / email indicating my bonus had been denied after the card was approved. 
-Spent over {$5000.00} in 3 months and met the minimum spend requirement to get the XXXX XXXX points. All of the spending is from real legitimate purchases. 
-Fully expected American Express would honor the bonus for sign up but did not. Never received any communication that I would not get the bonus or wouldn't have spent the {$5000.00} in that short amount of time. 
Thank you for checking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Experian Information Solutions Inc.
State: NJ
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 had Two morgage back started in XX/XX/XXXX, in year XX/XX/XXXXwe had issue in employment lost and burgary in house as a result we filed the application with XXXX XXXX XXXX and received approval for six month payment hold however XXXX XXXX XXXX reported the late payment and delay of 60 days and can't correct in all three credit bureau after send all paper work as a result we were able to correct in one or two credit report directly with credit report however we received denied credit due to issue not corrected by XXXX XXXX XXXX and still face same issue just recently XXXX XXXX denied the store credit card due to this. 
In the past we lost one of case in court and received the judgement, XXXX XXXX XXXX paid the judgement directly from my checking account however never updated credit filed as a result we have to purchase 6.5 % interest loan as of today even if primary loan is now 3.5 but secondary load is still 6.5 % which bank never consolidated and it was keep do enquiry on the account. Many of our credit card credit limit from {$25000.00} to {$500.00}, we never carry any balance more than months.

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: EQUIFAX, 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:
I have explained that these inquries listed here are a result of identity theft and should be deleted. I submitted all requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never owned a kohl 's account. I was alerted by XXXX that I had potential negative debt with this company. subsequently my identity has been compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX {$480.00} XXXX XXXX {$590.00} XXXX XXXX XXXX {$620.00}

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