BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-09
Company: Sequium Asset Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX my Digital lfie account n # XXXX I have not lived at XXXX XXXX XXXX in XXXX since XX/XX/2020 I only owed them {$49.00}. I tried to log into pay bill but was locked ou because new owners had taken ownerhsip. now they are saying I owe them {$160.00} and was sent fraduelently to collecitosn

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Experian Information Solutions Inc.
State: MD
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, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2018-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
A bankruptcy is showing on my credit bureaus of all three major credit bureaus although the filing was cancelled the same day and therefore it was dismissed with a XXXX balance. 

I have disputed this mater several times and it still shows on my bureau. It was not actually me filing. It resulted in fraud on my behalf. 

XXXX Transunion 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 2022-08-06
Company: DISCOVER BANK
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I wanted to rollover money in an IRA from XXXX Bank to Discover Bank. I submitted the forms sent to me from Discover. I got the check from XXXX Bank. I endorsed the check to Discover IRA account and then everything went wrong. Discover Bank said the wrong forms were sent. I called them. They sent more forms. I called again. They said I did not sign in the right place. They have my deposit for at least 2 weeks, just sitting there and refused to put it into my IRA account. They refused to send me the form back, marking where I need to sign or date. They only will send another blank form. I talked to the supervisior, XXXX who would not put the money into my IRA acct. I have talked to at least 5 different people without resolve. She admits I have gotten the " run around ''. 
I finally said I want the check back or deposit it in my IRA account. She said they will send the ( already endorsed ) check back and I should now contact XXXX bank for a new check. This is preposterous. The forms packet they send consists of 52 pages. No one can decifer what it is they want to open an IRA there. In the meantime, I have only 60 days to do the rollover.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was shocked when reviewing my credit report and found late payments on all 3 loans on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am a victim of identity theft. This company requested my credit report without my consent. Although no accounts were opened in my name this inquiry still shows on my credit file. I have attached copies of documents from other companies documenting the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 Account XXXX XXXX XXXX # XXXX and XXXX - XXXX XXXX XXXXXXXX, 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 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 non-monetary relief
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX XXXXIs not correcting the errors when trying to dispute account that don't belong.The accounts are not mines, and I trying to get them remove offbmy credit file.

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 2021-07-21
Company: Dovenmuehle Mortgage, 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 status incorrect

Complaint:
I refinanced my home with XXXX  approx 18 months ago. XXXX  transferred my mortgage to Dovenmuehle who, in turn transferred it XXXX XXXX on XX/XX/XXXX. In XXXX of XXXX, I accidentally paid my mortgage twice. I contacted Dovenmuehl and they said I could fill out the forms for a refund or when they transfer the loan to XXXX XXXX, they would tell them that my first payment was due XX/XX/XXXX. As you'll note from my emails this did not happen. In addition to the email, I have talked to someone at Dovenmuehle and XXXX XXXX over 15 times since XXXX. 

Each time, I would say, " I need this resolved and I'm worried that this will reflect my credit ''. I was assured it would not affect my credit while it was being investigated. 

Because I was being told so many different things from so many different people I decided I couldn't trust what I was being told so in XXXX, I paid the mortgage payment that I didn't owe just to prevent any future problems. I have owned my home for 30 years and have never missed a payment. 

I just received notice from one of my creditors last week that XXXX XXXX, had, in fact, put a derogatory " missed payment '' on my credit report. My score immediately went down over XXXX points. 

I have emailed XXXX XXXX and talked to a service rep. They have not returned my email and the service rep was going to talk to a supervisor and get back to me. They have responded to neither. 

I tried 7 on your side first and they suggested I contact you. 

Thank you. 

XXXX XXXX ( XXXX  ) The Loan may be under The XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: EQUIFAX, 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:
I discovered the error on my credit report and disputed it through the three credit reporting agencies. However, XXXX has refused me to dispute the error through online portal, and the phone representative informed me the items, such as balance error, are not disputable. XXXX XXXX has taken more than 30 days and the dispute is still under investigation. As well as Equifax, not only has taken more than 30 days, but also didnt change anything from the previous dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On or around XX/XX/2021, I contacted XXXX XXXX XXXX about having troubles making my payments. A few months ago, I had to have an operation due ; however, my insurance didn't cover the operation and I was forced to pay out of pockets expenses. 

I contacted XXXX and informed them of the situation. The representative agreed to push back my loan due date and my credit wouldn't be affected. I made the agreed payment and have been current since. XXXX reported I was late, when we both had an understanding that I would make a payment next Month. At no time was I aware my credit would be reported as late. Since all calls are recorded, I ask that someone replay the phone calls and hear the conversation.

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 2019-12-24
Company: TD BANK US HOLDING COMPANY
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In late XX/XX/2019, I brought my wife 's car to ASAP XXXX in XXXX, NJ. One mechanic named XXXX, not the owner, looked at our car and said it would cost over {$3500.00} to repair it. Based on that info, we decided not to repair it. However, the owner, XXXX, told us that he could repair it for {$2600.00} and that it would run for a year or more. Based on this, we decided to go ahead with it. We picked up the car on XX/XX/19. The car wouldn't start, needed to be jumped and the check engine light was on. Within a couple days, the car was shutting down in traffic which it had NOT been doing previously. I tried several times to reach the owner. XXXX, the other mechanic, would answer and say that XXXX, the owner, wasn't there. 
Since I was unable to reach the owner, I filed a dispute with TD bank credit card services since I used my TD credit card to pay. Even though the merchant NEVER even responded to TD credit card 's dispute department, TD came up with an illogical reason to only credit me for {$400.00} of the {$2600.00} dispute. 
I don't understand why a full refund was not awarded when the merchant did not even provide any explanation or response of any kind. All of my research suggests that visa protects the consumer in cases such as this yet TD bank refuses to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-02
Company: FIRST NATIONAL BANK OF OMAHA
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
DIRECT DEPOSIT for XX/XX/XXXXXXXX XXXX did not arrive for me to pay my bills this month due to XXXX error with routing number according to XXXX customer service agent during discussion today, XX/XX/2022. 

Correct routing is XXXX XXXX payment was reversed from XXXX due to routing number problems. Notification today XXXX XXXX XXXX 

Identity was stolen or duplicated in XX/XX/2022 requiring an initial fraud alert to all 3 credit bureaus caused by XXXX lack of security with credit card ending 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 2019-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed this item, because it doesnt belong to me and, I asked for verification, and they were unable to provide that information, so I was sent a status update, saying it was deleted but, its still there and they are failing to do what they said they did or going to do

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 2021-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
RELATED TO CFPB COMPLIANT XXXX AND BANK OF AMERICA - YOU BOTH ARE XXXX OR ARE BOTH ARE CORRUPT. 

THE COMPANY DID NOT RESPOND AND THE NUMBER YOU CITE BELOW DOES NOT WORK. THE RECORDING OF THE NUMBER AND EXTENSION RESULTS IN A RECORDED MESSAGE THAT INFINITELY STATES TO ENTER THE EXTENSION AND WHEN YOU ENTER XXXX IT TELLS YOU TO ENTER IT AND FINALLY IT HANGS UP ON YOU. 

The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX XXXX about its response to this complaint.

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 2021-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Capital one and XXXX XXXX  both violated consumers fundamental rights I have paid everything on time over many years. 

My Three credit bureaus report show that capitalone and XXXX XXXX did not remove incorrect information. 


XXXX XXXX XXXX and Capital one bank are getting so many complaints from XXXX XXXX XXXX and consumer finance government. 

I try to purchase a home for my XXXX kids through FHA loan, USDA loan or VA loan but XXXX XXXX XXXX and capital one bank made incorrect information without my consent in credit bureau file, they should remove them under fair credit act and federal instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
After four months of communication and different disputes with EARLY WARNING SERVICES , LLC, SUSPICIOUSLY, UNETHICALLY, AND LACK OF PROFESSIONALISM, today XX/XX/XXXX, THE CONSUMER SERVICES AGENT NAMED XXXX, told me that IT IS WRITTEN IN MY FILE THAT SINCE XX/XX/XXXX, ( WHEN I COMPLAINT TO THE CFPB THAT EARLY WARNING SERVICES , LLC HAS NOT SENT ME A XXXX BANK NOTICE OF REMOVAL LETTERS FROM MORE THAN A MONTH AGO, AND I REQUESTED EW SEND ME A CERTIFIED ENVELOPE TO BE SURE THEY ARE SENDING THE XXXX BANK LETTERS ), XXXX  HAS TO VERIFY MY IDENTITY. XXXX asked me personal information from XXXX to the present, and I answered ALL THE QUESTIONS CORRECTLY, then she told me that she was going to send me an text to my cellular with a link to be open and then to follow instructions in order to XXXX to assist me. First, I have not paid my cellular phone, and second, it looks a pretext to open a link in order to be worth to be assisted. I COMPLAINT AGAINST EARLY WARNING SERVICES FOR DISCRIMINATION BECAUSE THIS COMPANY IS TREATING ME IN A DIFFERENT WAY, IN A REVENGE WAY, AND WITH INEXCUSABLE PRETEXTS NOT TO ASSIST ME. ALSO, SINCE I AM REJECTED TO BE ASSISTED WITH SUSPICIOUS EXCUSES, I WILL BEGIN REQUESTING MY COMPLAINTS FROM THIS PAGE. TODAY I SENT TWO DIFFERENT DISPUTES : FOUR BANK OF AMERICA ACCOUNTS, AND ONE XXXX BANK. TODAY IS XX/XX/XXXX, I REQUEST EW TELLS ME WHEN THEY WILL ANSWER MY DISPUTES FROM BANK OF AMERICA FOUR ACCOUNTS, AND FROM XXXX BANK, ONE ACCOUNT. I ALSO REQUEST THE LETTERS BE SENT BY CERTIFIED MAIL. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On several occasions I have made the Credit Reporting Agencies aware that they were reporting information inaccurately and each time I receive that the account has been verified but the date of last activity on the account remains the same. If they are in fact verifying this information is correct and reporting accurately, please provide me with the method of verification to include, date, with whom you spoke and what information was sent to verify this account. Also these accounts have been re-aged so that they remain on my report longer than they should be. 

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 2022-04-06
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:
I was reviewing my credit report and noticed there is a hard inquiry from a company called XXXX XXXX dated XXXX/XXXX/2022

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 2021-02-09
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:
After carefully reviewing my credit report, I noticed a some inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. 
XXXX, XXXX investigated the following inquires below and have decided to delete these inquires from 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 2021-02-09
Company: Comerica
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I checked my account before I paid my XXXX  bill and noticed 17 unauthorized transactions amounting to {$320.00} I called Direct Express on XX/XX/2020 when I noticed the charges and I was told there was nothing they can do until the charges cleared my account. I called back on XX/XX/2020 and started the dispute and cancelled my card. I was either hacked or one of the websites I shop on or pay my bills on was hacked. I pay {$35.00} a month on XXXX XXXX for my cell phone. I pay between XXXX and XXXX dollars a month to XXXX  for my TV and internet service. I pay {$12.00} a month to XXXX. I pay {$5.00} to XXXX and I pay {$14.00} to XXXX for my XXXX  membership. I shop on the following websites, XXXX, XXXX, XXXX, I bought a VPN from XXXX, I bought a subscription on XXXX which was my last card purchase. I tried to purchase a guitar from XXXX but the order was cancelled due to my card being cancelled and no funds in my account because they were stolen. I also filed a police report on XX/XX/2020 with the XXXX Police Dept. The report number is XXXX I also started a dispute with XXXX on XX/XX/2020 for the 13 charges of {$25.00} for XXXX XXXX XXXX XXXX XXXX Ca in the total amount of {$320.00} The XXXX Dispute Claim Number is XXXX. XXXX says it takes up to 12 days to investigate. 
I did receive the four XXXX dollar charges back to my account. The following 4 charges were returned to my account XX/XX/2020 XXXX XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX  XXXX XXXX  {$1.00} I swear on the XXXX with my right hand and to XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX that I Did Not Make these charges and I will do whatever it takes to get to the bottom of this or to solve this List of all unauthorized transactions below Transaction Date Merchant Name Amount XX/XX/2020 XXXX XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX  XXXX XXXX {$1.00}

Company response to consumer: Closed with monetary relief