BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XXXX/XXXX/2020 I have submitted dispute documents for those unknown and inaccurate accounts on my credit report. I was a victim of the XXXX  data breach. I demand to immediately delete those accounts on my credit report or I will file for litigation.

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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

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 2023-07-13
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sold my home earlier this year with the transaction closing on XX/XX/XXXX. All balances were settled at closing including all escrow items. Therefore, my mortgage company, Truist Home Mortgage, was supposed to refund me the escrow balance of {$4300.00}. To date, I have not received this balance due to me. I have attempted to resolve the issue 3 times, 2 by phone ( XX/XX/XXXX and XX/XX/XXXX ) with customer service and once at a branch ( XX/XX/XXXX ). 

-The original check allegedly sent never arrived. On XX/XX/XXXX, customer service said they would stop payment and reissue the check. 
-On XX/XX/XXXX, the reissued check arrived badly damaged and possibly tampered with. 
-On XX/XX/XXXX, I brought the check to a branch and was informed that they could not deposit the damaged check. They agreed to contact the mortgage escrow department and have the check reissued. I requested that the bank find another way to deliver the funds ( issue a check in branch, send express mail, wire transfer ). I was told the escrow department had to issue a check for accounting purposes, but if there is a problem next time, they will look into it. I requested this be expedited as it had been over a month since closing. 
-On XX/XX/XXXX, I called customer service to complain after having not received a new check and requested to speak with a manager. The bank rep said a complaint was generated and a manager would call within 48 hours. That time has lapsed and I dont have my money almost 2 months later. 

What is particularly galling is that everyone I spoke with from Truist made a point of saying it is not their fault what happens in the mail. However, it is their fault that they were repeatedly notified of the problem and failed to adjust how they deliver my money some other way. 

I also note that it says on the damaged check envelope, Mortgage - Cash Operations notifying criminals that there are funds in the envelop. 

Please help. 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 2021-04-27
Company: Knight Adjustment Bureau
State: UT
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:
Knight Adjustment Bureau is reporting an erroneous debt on my credit file. I never even knew that i had this collection until i looked at my credit and saw it. Once i realized this debt was on my credit file i called and paid it immediately. This was a few years ago. I have sent various disputes to them and have called various time 's in attempt to get this removed from my credit file. I have not received any responses from them and this item remains on my credit. This debt has been resolved and i don't understand why this remains on my credit even after my attempts to have it removed. I am now trying to obtain financing and this is getting in the way. I need it removed from my credit file ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I attended XXXX XXXX XXXX XXXX in XX/XX/2019 for 3 days. On day 3 the school asked me to leave because I had a open court case and they were afraid that I might miss training time if I needed to appear in court, even after I advised them that my case was going to be dismissed, and I would never have to physically appear in court. After I left their school AT THEIR REQUEST, they placed a collection account on my credit report with XXXX XXXX XXXX XXXX in the amount of {$270.00}. The contract which I signed stated I would work for them for a specified number of months once I obtained my Commercial Drivers License, and if I left the company before that timeframe, I would owe them for the cost of my CDL training. However, I never made it far enough to begin training for my CDL with them, so this is a violation of the contract I signed.

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 2018-10-21
Company: HYUNDAI CAPITAL AMERICA
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
HYUNDAI MOTOR FINANCE WAS ASKED TO PROVIDE TE ORIGINAL CREDIT APPLICATION FOR FINANCING TO SHOW THE DEALERSHIP XXXX XXXX EDITED OR ALTERED THE MONTHLY INCOME. IF NOT GIVEN WE WILL GET A ATTTORNEY TO SUPENOA THE RECORDS. WE NEED THE ORIGINAL CREDIT APPLICATION SUBMITTED BY THE DEALERSHP AND WHEN T IS VERIFIED WE ARE ASKING XXXX XXXX TO REMOVE FROM CREDIT REPORT. XXXX XXXX INCOME MONTHLY WAS NOT ENOUGH TO FINANCE FOR A BRAND NEW 2017. THE DEALERSHIP FALSIFIED THE REPORTS AND WE ARE ASKIG FOR THAT ORIGINAL CREDIT APPLICATION FROM HYUNDAI MOTOR FINANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged an annual fee of {$59.00} for my Capital One Venture card on XX/XX/2018. A couple days after that date, I called Capital One to downgrade my card to a " Venture One '' card which has NO annual fee. I was informed that the annual fee would be reversed, but I did not see the credit after one month. 

Today ( XX/XX/2018 ), I called the bank to inquire about the fee, and I was told that they can not waive the fee. I believe this is unfair because 1 ) I downgraded the card after a few days of annual fee posting and 2 ) I will not be receiving the benefits that the annual fee provides.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-11
Company: EQUIFAX, INC.
State: MI
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 sent a letterb to all three credit bureaus and the XXXX XXXX XXXX. 
Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX, Texas XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to XXXX XXXX XXXX XXXX, Michigan XXXX Please update my name to : XXXX XXXX XXXX only, I was a victim of identity theft with other names My only social security number us XXXX My only and correct date of birth is XX/XX/XXXX My only employer is XXXX XXXX XXXX XXXX XXXX XXXX I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U. S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, Name : Ms. XXXX XXXX XXXX XXXX Driver License, SSN Card Proof of Residence

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: NATIONSTAR MORTGAGE LLC
State: AR
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:
NATIONSTAR FAILED TO FURNISH US A LIEN RELEASE FOR SAID PROPERTY AND MUST NOW CEASE ALL CREDIT REPORTING AT ONCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Klarna AB
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
ORDERED AN ITEM WITH XXXX. THEY FAILED TO SHIP PRODUCT BUT KLARNA CHARGED ME ANYWAY. I TRIED TO INFORM THEM THAT XXXX  NEVER SHIPPED THE ITEM. XXXX  CREATED A SHIPPING LABEL BUT NEVER SHIPPED THE MERCHANDISE. IT IS IMPOSSIBLE TO GET RESOLUTION FROM XXXX CUSTOMER SERVICE CHAT. THERE IS NO WAY TO DEAL WITH ANYONE IN THE UNITED STATES. XXXX  WERE NOT SUPPOSED TO BILL KLARNA CREDIT WITHOUT SHIPPING. XXXX HAS CONFIRMED IN WRITING XXXX  NEVER GAVE THEM THE MERCHANDISE FOR SHIPPING. XXXX JUST CREATES LABELS AND CHARGES PEOPLE THEN IT IS IMPOSSIBLE TO GET CREDIT FOR ITEMS NOT SHIPPED. 
THE ITEM WAS SUPPOSED TO ARRIVE XX/XX/XXXX ( LATE AFTER FAILING TO MEET THE EXPRESS FEE TIMELINE ) BUT UPS CONFIRMS AS OF TODAY XX/XX/22 ITEM HAS STILL NOT BEEN MADE AVAILABLE TO THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
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 have sent letters out certified over 60 days ago and have not been notified, as a consumer I feel like these clowns are taking advantage of normal hard working people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: MARINER FINANCE, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Due to COVID-19, a state of emergency was issued on XX/XX/2020 in Maryland. Governor XXXX XXXX issued an executive order for financial companies like Mariner Finance to freeze interest on loans and not impose late fees during COVID-19 and the state of emergency. 

The interest ( 23.99 % ) on my personal loan with Mariner Finance was not freezed as of XX/XX/2020, the date of Governor XXXX 's executive order. In addition I was charged a late fee of {$29.00} on XX/XX/2020 ; XX/XX/2020 ; and XX/XX/2020. 

On XX/XX/2020, I spoke with a Mariner customer service executive who infomred me that Mariner Finance was not able to freeze interest and waive late fees during the state of emergency resulting from COVID-19 although the Governor XXXX had issued the executive order. I am submitting this complaint because Mariner Finance did not implement Governor 's XXXX 's ( MD ) executive order for businesses to freeze interest and not impose  late fees. 

I had spoke to customer service representatives on a number of occasions and had explained that I was impacted by COVID-19 but to no avail. One customer service representative told me that I work for the U.S. Labor Department so I should be able to go to  work to deal with my hardship. She had no idea that I had since retired. I did not receive adequate customer service during the height of the pandemic. The customer service representatives at Mariner Finance could care less about their customer 's who are/were impacted by COVID-19.

I look forward to hearing from you.

Mariner Finance Account # 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 explanation
Consumer complaint received 2022-11-16
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: Their investigation did not fix an error on your report

Complaint:
I have been having trouble with this company there are several items that are clearly inaccurate and some of the collections are duplicates but they don't seem to be taking a look at this matter so I am seeking help from CFPB and XXXXXXXX XXXX XXXX XXXX XXXX to resolve this matter once in for all.

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 2023-02-06
Company: eToro USA LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have an account with eToro USA LLC. I have my cryptocurrency in my eToro account. Recently I changed my cell phone number and now eToro is not allowing me to log in to my eToro account. I have sent several emails to eToro and left several voicemails for eToro to enable me to change my cell phone number but neither my emails have been replied to nor my call has been returned. Please intervene and direct eToro to allow access to my account. My cell phone # is XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX, Transunion and XXXX has many unauthorize inquiries and negatives reporting that is hurting my credit scores and opportunity to achieve a VA Home Loan to purchase a home in California. 

Here is a list of Unauthorize inquiries from all three major Agencies. 
( 1 ) Transunion displays 1.XXXXXXXX XXXX 2.XXXX XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX XXXX XXXX 4.XXXX XXXX via XXXX XXXX 5XXXX XXXX XXXX 6.XXXX XXXX  XXXX via XXXX XXXX 7 XXXX XXXX XXXX XXXX. 

( 2 ) XXXX, 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXXXXXX 3.XXXX XXXX XXXX 4.XXXX 5.XXXX ( 3 ) XXXX. 1.XXXX  XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX 6 XXXX XXXX XXXX XXXXXXXX 7.XXXX XXXXXXXX XXXX. 

I am XXXX, Retired Lifetime. Very Urgent Matters on my credit scores and my credit to be in prosperity and Innovation.

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 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name CHAPTERXXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2020-10-18
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I had loaned a friend {$650.00} and she paid me back by a transfer to my Paypal account in XX/XX/2019. I attempted to do an Instant Transfer to my XXXX XXXX XXXX XXXX checking account but the funds never arrived. I messaged and called Paypal customer service multiple times  over the next several months, as well as XXXX XXXX XXXX. We initiated a trace but Paypal insists the transaction shows as completed in their end and the bank insists they are unable to find record of this. I have never had an issue with transferring funds before, but this is the first time I tried doing an instant transfer and it has been a nightmare to deal with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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 contacted  Capital One  on numerous occasions, regarding the issue of unauthorized inquiries from their company on all three of my credit reports. I faxed my first letter dated     XXXX   XXXX   XXXX       and asked them to remove the inquiries and to also forward any documents that showed I agreed to apply for their credit. I did not apply for their credit and I suspect this is a result of fraud.  <P/> They replied with a letter, dated    XXXX   XXXX   XXXX     , which did not address my issue. Instead, their letter explained the different types of inquiries on credit reports. Capital One did not investigate my issue at all.  <P/> I mailed a second letter dated   XXXX   XXXX   XXXX    . Capital One sent a letter back dated   XXXX   XXXX   XXXX    . Not only did they failed again to address my problem, but they sent an exact copy of the first letter. I highly suspect my letter was not looked over by a reputable representative.  <P/> I finally called  Capital One on    XXXX   XXXX   XXXX     and spoke with an agent. They were able to pull up an application with my information. They told me I had to call in the next day since my application was in their " archives, '' and it could take up to  24 hour s to access the info in order to remove the inquiries from my reports.  <P/> I called back   XXXX   XXXX   XXXX    . I was unable to reach anyone since their lines were busy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
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:
Hello, On XX/XX/XXXX I submitted a request to Equifax to have negative reporting accounts removed from my credit report but the items were not removed. This would not be my first dispute, but the accounts remain on report damaging my score and not allowing me to obtain credit or loans. 

1 ) Bankruptcy 2 ) XXXX XXXX XXXX {$4000.00} COLLECTION LAST REPORTED XX/XX/XXXX 3 ) XXXX XXXX XXXX 60 DAY LATE XX/XX/XXXX 4 ) XXXX XXXX {$880.00} COLLECTION LAST REPORTED XX/XX/XXXX 5 ) XXXX 120 DAY LATES XX/XX/XXXX 6 ) XXXX XXXX {$2600.00} CHARGE OFF LAST REPORTED XX/XX/XXXX 7 ) XXXX XXXX {$770.00} PAST DUE 120 DAYS LATE LAST REPORTED XXXX 9 ) XXXX XXXX {$120.00} PAST DUE** 9 ) XXXXXXXX XXXX {$560.00} PAST DUE** 10 ) {$240.00} XX/XX/XXXX ( 2 mos ) XXXX XXXX Current Payment Status 11 ) XXXX XXXX XXXX 30-59 Days Late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My USAA Bank account had been hacked my contact details were stolen, as well as part of my social security number! The scammer has successfully taken {$980.00}, and is actively attempting to transfer/withdraw money from all accounts! included 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 2018-10-21
Company: Experian Information Solutions Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX/ XXXX XXXX XXXX . Account- XXXX. They are reporting that I owe {$10000.00} since XX/XX/2016. They are reporting false information on my credit report to all 3 major bureaus including 3rd party credit reports. They are harassing me and ruining my credit with false and inaccurate information. Please CFPB, help do a thorough investigation with these people. Its really overwhelming when they are trying to steal money from good people. The 3 major bureaus are not doing a thorough investigation which they are illegally  sending out false information back to me. Please have them remove this item away into their pockets. 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