BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA.

In accordance with the Fair Credit Reporting Act below, the following accounts have 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 an account without my written instructions.

15 U.S.C. 1666b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason And my personal information is outdated, and I've asked the credit agencies to removed old information and updated new information which they've failed to correct.

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 2019-12-27
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Paypal charged me {$250.00} for some online game that i did not authorize. I contacted them but they refused to refund my money. Please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Crow Creek Sioux Tribe
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
on XX/XX/XXXX I applied for a small loan with River Valley loans they approved me for {$680.00}. Doing the process they never mention the interest rate I didn't find out about the interest rate until I log on to my account and reviewed my loan documents. The annual percentage rate is 690.15 % with XXXX payments of {$91.00}. I was going to pay the loan off within a month but it seem impossible because I was still owe them money being that most of my payments would go towards interest. I called them XX/XX/XXXX to see could they do a calculation of how much over should I pay a week to get the loan paid off quicker the company act like they didn't understand what I was saying. So I explained to them if I were to pay the {$680.00} next week how much would I still owe you all with the interest rate. They lady who I spoke to over the phone said I would still owe them {$700.00} which is ridiculous. On XX/XX/XXXX my loan went from {$680.00} to {$690.00} then on the XXXX it has went up to {$730.00}. I made another phone call XX/XX/XXXX to see if I could lower my interest rate she said they will give me a follow up on the XXXX about lowering my payments. My problem is the interest rate is to high for a small loan amount and I wouldn't get the loan payed off quicker.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have attached my FTC report, driver license, police report & SSC. I am a victim of ID theft. My privacy has been compromised. After reading multiple reports online regarding the credit these credit bureaus ignoring peoples disputes, i see lawsuits against these credit bureaus because they are not taking peoples disputes seriously so I decided to take this route. After serving 14 years in the XXXX I want to be treated right and not be treated like the people in the reports I read online. I already have XXXX XXXX and with this COVID-19 pandemic going on I dont want any additional stress. I just want the credit bureaus to take my situation serious, do their job per the FCRA so I can get my name back in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I would like the CFPB to take a journey with me. I am once again applying for a loan modification with Ocwen Loan Servicing. I uploaded my HAMP application to the Ocwen website on XXXX/XXXX/2016. I did not get a confirmation email from them. On XXXX/XXXX/2016 I submitted an email to the Ocwen Omsbudman and have not heard back from them to date. I logged onto my account today XXXX/XXXX/2016 and there was an email in my mailbox that indicated that they mailed me something because I did not provide all of the proper information. This is how the interaction began two years ago when I tried to apply for a loan modification with Ocwen. Ocwen tells you that you did not send in the right information so the processing timeframe gets restarted. I fear I am in for the same experience. I am going to track this process and ask that you take this journey with me. There is something going on at Ocwen that has to be out of compliance with the law.

Company response to consumer: Closed
Consumer complaint received 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Upon receiving the first round of letters, I mailed them to Transunion via certified mail on XX/XX/2020. I called and spoke to a representative on XX/XX/2020 to ask about an update on the results of the first round of letters and was told they never received them.

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 2020-06-19
Company: EQUIFAX, INC.
State: AE
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 am contacting you for assistance with a removal of erroneous late payments on a closed account I had with XXXX. I have been with XXXX since XXXX, and the former XXXX accounts was reported to be late for the first 3 months in XXXX on my Equifax credit report. This company has not been my servicer since XXXX. I would greatly appreciate your assistance in helping me to correct this false derogatory information as it is impeding my ability to apply for mortgage credit. I attempted to chat and call a fedloan representative but neither were helpful. My account number is XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX, I opened a Citigold checking account with an offer stating I would receive XXXX XXXX miles after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX XXXX miles to be deposited into my account by the end of XXXX. During this time I was charged 3 monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the miles would be deposited at the end of XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 6 months ago showing the offer. I do n't keep mail around for 6 months, and NOTHING was ever said over the past 6 months about needing to keep that post card. Now I have {$90.00} of fees and I will not be getting XXXX XXXX miles. I 'm not alone. XXXX of people are in the same situation as me. I 've done XXXX searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.

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 2017-01-31
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
IN 2014 CITIMORTGAGE FORCLOSED OUR HOME AFTER 24 YEARS AND LESS THAN 7 YEARS FROM OWNERSHIP. WE EXPERIENCED UNEMPLOYMENT HARDSHIP AND MISSED PAYMENTS. PLEASE REVIEW THIS COMPLAINT AND HELP US FROM BEING HOMELESS FOR THE PAST 3 YEARS, LIVING FROM RENTAL TO RENTAL.

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 2022-07-25
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:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXXXXXX XXXX XXXX Account Number : XXXX 30 days late onXX/XX/XXXX 60 day in XX/XX/XXXX, 30 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX,XX/XX/XXXX 60 days in XX/XX/XXXX,XX/XX/XXXX 30 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX. XXXX XXXX Account Number : XXXX 30 days late in XX/XX/XXXX. 

XXXX. XXXX XXXX Account Number : XXXX 90 days late in XX/XX/XXXX, 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this 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 non-monetary relief
Consumer complaint received 2019-12-27
Company: Messerli & Kramer P.A.
State: MN
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:
Back in XX/XX/XXXX my credit card account was closed by XXXX XXXX XXXX and given to Messerli & Kramer, P.A which is a debt collection agency and not a law firm which they have always started when ever they called me. 
Messerli and Kramer started making collection calls as early as XXXX and back to back phone calls. 
I was threaten by Messerli & Kramer, P.A after I asked them to stop calling me but they still kept on calling me and threatened me with garnishment, levy my bank accounts, and even sent letters to my current employer informing them of the debt which they claim that they have the right to do. 
I originally dispute the debt with Messerli and Kramer but I got nothing in the mail concerning my disputes and to my surprised they fraudulent went and sued me simply because I disputed the debt amount. 
On XX/XX/XXXX at XXXX I did received a phone call from XXXX XXXX XXXX apologizing about Messerli and Kramer violation of the fair debt collection practice cause I did filed a complaint with XXXX XXXX. 
I did filed a complaint with Minnesota attorney general office as well but the office have limited power and back in XX/XX/XXXX Messerli & Kramer was sued by the state of Minnesota Attorney general office for the same harassment static. 
As of XX/XX/XXXX there's a lots of lawsuits that was won against Messerli & Kramer for the said violation and there are some on going lawsuits in the state of Wisconsin circuit court in the city of XXXX, case # XXXX. This collection agency have try to avoid been fair by garnishing consumers paychecks without properly notify them of their rights or validating debts. They're quick to sued and my wife was a Victim of there fraudulent suing. please stop this company from violating the fair debt act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions 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:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

1XXXX XXXX XXXX Account Number : XXXX 30 days late on XX/XX/XXXX, 60 day inXX/XX/XXXX, 30 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, 60 days in XX/XX/XXXXXX/XX/XXXX, 30 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX. XXXX XXXX Account Number : XXXX 30 days late in XX/XX/XXXX. 

3. DPT EDXXXX Account Number : XXXX 90 days late inXX/XX/XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this 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 explanation
Consumer complaint received 2020-06-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have attached my FTC report, driver license, police report & XXXX. I am a victim of ID theft. My privacy has been compromised. After reading multiple reports online regarding the credit bureaus ignoring peoples disputes, getting sued and not taking peoples disputes seriously so I decided to take this route. After serving 14 years in the military I want to be treated right and not be treated like the people in the reports I read online. I already have health issues and with this COVID-19 pandemic going on I dont want any additional stress. I just want the credit bureaus to take my situation serious, do their job per the FCRA so I can get my name back in good standing.

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 2015-06-29
Company: Blackhawk Network Holdings Inc.
State: IN
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
XXXX now been over a week that i bought some Relodit Packs ( https : //www.XXXX ) from BlackHawk Networks ( http : //XXXX ) and have not been able to load them to my XXXX prepaid XXXX Card. I called Relodit Packs customer support daily and still have not been able to access my funds i have stored on their cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I applied for a loan and was told that my name came up on the XXXX as a person on the XXXX list. I contacted all XXXX credit reporting agencies and have been told numerous things but mainly that XXXX does not show up on my credit report with their agencies. XXXX, Transunion, and XXXX. I have no idea how to get this cleared up and I am in need of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
The creditor I owe ( XXXX XXXX XXXX XXXX XXXX. ) was called prior to charge off and told to cease and desist all phone calls but it was made very clear that I wanted letters. It was also made very clear that on both accounts the cease and desist must follow the account when it charges off. on approximately XX/XX/XXXX I called the law office of XXXX XXXX XXXX I talked to the collection department XXXX XXXX XXXX XXXX XXXX explained that my wife took very il and will not be able to work for some time that's why the accounts were not being paid. I offered to make a very small monthly payment of XXXX a month on each account he told me " there is no way he will agree to terms like that " He placed me on hold came back to the phone and stated " if I have any request send them in writing " then he hung up on me. My complaint is that I never was given the opportunity to dispute the validity of the debts ( the amount owed ). IN the beginning og XX/XX/XXXX I called again I was transferred to the department that handles my accounts when they realized it was me they immediately hung up on me. CLEARLY MY RIGHTS HAVE BEEN VIOLATED. I DID SEND IN WRITTING A REQUEST FOR VALADATION OF THE DEBT 'S NO ONE HAS SENT IN ANY VALADATION! I wish the CFPB would pull the tape recording for all my calls then you will see that I speak the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Synovus Bank
State: NJ
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 XX/XX/2020, my payment was received late. I explained to the credit bureau and XXXX XXXX  that my payment was late due to an error. XXXX XXXX didnt look into my payment history with them, because if they did than they would notice that my payments have been on time for the last 2years.

Company response to consumer: Closed with explanation