BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-09-11
Company: CITIBANK, N.A.
State: CA
Product: Credit 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:
I had previously submitted transactions for dispute for over XXXX transactions, in XXXX XXXX. My credit card ( ending in XXXX ) information was stolen in XXXX and upon noticing, I closed the card and filed disputes in XXXX. Most of them were finally credited. However, there are many that are still under investigation and it has been almost XXXX days since the transaction and more than XXXX billing cycles! They had assured me it wouldn't take more than XXXX billing cycles. These transactions are by a merchant called XXXX. They were in sterling currency and done in a different country outside of XXXX. I live in california and have not traveled to XXXX or any XXXX country. The issue is that I submitted for a dispute in XXXX. Since then, there has been no movement on the investigation for the XXXX purchases. I explained multiple times that I did not leave the country and can provide proof. Moreover, you can easily see its fraudulant because there were other charges ON THE SAME Day in california ( where I live ). This should have been an immediate alert. I called them multiple times asking for updates. Most recently, I called them on XX/XX/XXXX and they still haven't completed the investigation. 

I submitted dispute XX/XX/XXXX and XXXX and am STILL Waiting for a resolution. These charges were made WITHOUT MY AUTHORIZATION and by a hacker. I do not live or have travelled outside of country. 

The transactions that are still under investigation include : - XXXX in XXXX for amounts of {$530.00} ( XX/XX/XXXX ), {$310.00} ( XX/XX/XXXX ), {$580.00} ( XXXX ), {$310.00} ( XXXX ) Citi has been nonresponsive and refuse to tell me why these are still under investigation. I have provided them ample information and answered all their inquiries, but the transactions are still under investigation. They asked me more questions about these transactions and I answered them with the security team. I was informed that they are still trying to reach vendor but its been months! This is very XXXX inducing given the amounts of the transactions. They were in a foreign currency and that should have been flagged, ESPECIALLY since I was making transactions in California on the same day that a hacker was using my card in XXXX and other countries. Clearly, fraudulent and still no resolution. I have called multiple times and spoke to security center managers and supervisors, with no information to help ease my mind and finish the investigation.

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 2023-11-29
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
I received a call from XXXX XXXX from Huntingtons foreclosure department who asked me to submit a payment of XXXX dollars. Originally, I was asked for payment of XXXX. I sent him proof that I could pay. But, he increased the amount required to stop the foreclosure of my home up to XXXX. When I spoke to a different representative he also told me the ammout desired is XXXX instead of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This collection account has an OPEN status and that is a violation, because a collection is by default a closed account. Delete this account due to inaccurate reporting. 
XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: FISERV INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received two letters in the mail on XXXXXXXX XXXX XXXX. The company letter is telling me I owe XXXX and in the second letter they indicate I owe XXXX because of fees. I looked them up online and called them. The guy on the phone kept saying I owe XXXX not XXXX and had me provide the reference number on the letters sent. He asked for my name, phone number and address. Then told me to dispute the debt by filling out a form on their website. I went to the website and started to fill out the form but it asked for detailed bank information and more personal details. I felt very uncomfortable even though a XXXX search said they are legitimate. So I called my bank about it and they said it's a fake business. Also I called XXXX directly and the rep said that XXXX never sends letters in the mail and they do not use TRS Recovery Services for any debt related things. XXXX advised me to not give any more information and to report the fakeTRS Recovery Services company who seem to be just scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very disturbed to find public records on my credit report without any apparent reason,

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 2023-05-03
Company: Experian Information Solutions Inc.
State: HI
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 had a dispute with a solar panel company. I asked the company to repair my solar panels. They came to my home and did not complete the job. I talked with them for months about completing the job to be paid. We were never able to reach an agreement about the billing and/or the work. They created an invoice and turned it over to a collection agency, XXXX XXXX XXXX. I told the collection agency that I absolutely do not owe this amount. The agency reported this to Experian. I disputed this several times with Experian and asked for the back up documentation to support this on my credit report. They said that they don't have any documentation, only the " word '' of the collection agency saying I owe this. I disputed it 3 times and added a statement on my credit report. They should have to prove that i owe this before placing it 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 non-monetary relief
Consumer complaint received 2023-11-28
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
amex gift can not be used anywhere online. it is well documented that these amex gift cards are rejected by 100 % of all online commerce sites.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After looking over a copy of my credit report I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC 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 non-monetary relief
Consumer complaint received 2023-09-12
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Wells Fargo never had a legal binding contract with me. They failed to disclose certain information in the TRUTH IN LENDING DISCLOSURE. They failed to tell me i was giving power of attorney over my financial assets and i have all the proof and evidence. I have made this final complaint to PUT WELLSFARGO ON NOTICE THAT I WOULD LIKE TO TAKE THIS MATTER TO ARBITRATION OR CIVIL COURT. If more information is needed please call.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-14
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting 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 requested a copy of my consumer credit report I was shocked to see there were items that didnt belong to me so I contacted my bank to ask them to freeze all my accounts until further notice

Company response to consumer: In progress
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: AL
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:
Ive never had an account with this company. The account shows paid but it has a late fee on it. Its not my account it needs to be removed and they have not removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: MOHELA
State: CO
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 faxed standing payment instructions in XX/XX/2023, but then made a payment in XXXX that did not honor those instructions ( over {$1500.00} applied to interest instead of principle as requested ). I then sent a message through the secure system on XX/XX/XXXX with standing payment instructions again and asked that the prior payment be corrected. It has been opened according to the system, but I just made another payment ( XX/XX/XXXX ) and the instructions were still not honored. I saw on some websites that I should receive a letter confirming that my standing instructions were received but I have not. I need to make payments but do not want to pay extra overall because of their negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The following accounts are incorrect and they're adversely affecting my lively hood. 
account # XXXX. 
account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: Paypal Holdings, Inc
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I added money to my paypal account from my linked bank account. 
The next day they limited access to all my funds. 
I emailed why and they stated because I withdrew money. 
They allowed the transfer to complete a few days later, still not allowing access. 
They are not responding to any further emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : TXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  Please remove these accounts ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: Fairway Independent Mortgage Corporation
State: DE
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:
A local electric utility, charged me for months with readings from my neighbor 's meter. The probleme was investigated and the balance corrected after a lengthly complaint process with the Delaware Regulatory commissioner. On the phone, they promised to correct the issue. I demanded to have a new invoice, showing new balance. This was in XXXX. I attempted to pay with a credit card the corrected invoice, but could not, unless I provided my social security number - which I refused. Not until XXXX, when I tried to acquired a car that somehow, the balance shows up on my credit report. Reported by an agency OUT OF STATE. So I undergo a rate abuse!!! However, on a $ XXXX loan, which I paid off quickly and by same reduce insurance coverage. The entry goes away again, until this XXXX, when I began exploring a mortgage. I located a home and wanted a pre-qualification letter. XXXX XXXX ' said the high school drop out mortgage originator! 
Here 's the Nono email : " Hi XXXX. Per our conversation today, I am not able to issue a pre-approval. If we did the first time buyer program, I would need to base your income on what you reported on your last 2 years tax returns. If we didnt use the first time buyer program the rate would be 5.25 % based on your score of XXXX. I am sorry, but I dont have enough income based on the documentation provided to get you qualified to purchase a house in the {$180000.00} price range. Let me know if you have any questions. Thank you, " The XXXX score is made that low because of one credit agency only " XXXX. '' Who refuses to correct the derogatory entry from the utility. The other 2 agencies made the correction. XXXX, is more interested in selling me " protections I don't need! 

Please find attached a document showing a self-assessment on a the above mortgage. The guidelines are all in there ... Please help solve this woodoo. The bigger issue for me is to have a place where my XXXX yo son, could come visit in, and learn to be a man, because at this point, he's the copy of his mother!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am formally complaining against KOHLS DEPARTMENT STORE I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have contacted KOHLS DEPARTMENT STORE who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that KOHLS DEPARTMENT STORE stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX XXXX XXXX Capital one bank on XXXX XXXX XXXX aXXXX XXXX XXXX took {$140.00}!!! I need to make rent and it took my money and didnt deposit!! 
These past 3 times Ive made deposits it has returned some bills crumpled up and even spit them out! This time it closed it and still was showing for me to get my notes but the slot was closed!!! It completely took my money!! The atm says to call capital one and do not go anywhere but capital one is closed!! I cant speak to anyone until the morning This is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: CCF Intermediate Holdings LLC
State: AR
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received a phone call stating that I was required to pay back a loan that I did not have from 2015. The company was easy money payday loans. They said they have sent out several notices to my email my home address and I have not received any of these notices, this company stated that they were going to see fraudulent charges because I did not pay back this loan. I asked for more information about this and was told I had a {$500.00} loan never paid back and now they are collecting {$1200.00} if not paid right then they would see garnishment of my wages. I dont know anything about any of this and told them this was a scam and they said if it was a scam how would we have your personal information. I ended up hanging the phone up and they call me and my family several times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Consumer reporting agencies may furnish reports under strict circumstances. One of them is Written consent or it's identity theft. 
XXXX, XXXX, and experian are reporting my consumer report improperly.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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