BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-23
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:
I have been a victim of identity theft, and have successfully removed most of the fradulant accounts and addresses. There are a couple that still remain on my XXXX and just one on the others. I have sent in numerous disputes and filed two police reports and FTC reports. The response from the credit bureaus is that the information is accurate with no solid proof for debt or validation. 

In accordance with the Fair Credit Reporting Act EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT. 
The Credit bureaus stated my accounts was properly investigated but how is that possible if the open date is in accurate, the date last active is inaccurate, and date last reported not accurate. This is grounds for removal and they also violated my rights under, 15 U.S.C. 1681 section 602 A. I have the right to privacy.

15 U.S.C. 1681 section 604 A. States a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Explained finances were reduced during pandemic and denied assistance during the time account was active. Balance due is inaccurate. 
603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] : ( k ) Adverse Action i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ;

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: WELLS FARGO & COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I had to get a XXXX done a XXXX to be exact due to XXXX XXXX  the procedure happen on XX/XX/2022 and wells fargo didn't give me any hardship for my credit card payments forbearance for not making my credit card payments i explained to them that my XXXX  was 8 weeks and they didn't care and reported my credit card payments late i attached my XXXX documents below

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 2022-06-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Please block all fraudulent information 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 2022-06-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Called Carrington Mortgage to apply {$19000.00} to my principal which according to the customer service rep was the max daily amount. I was very clear about principal only wit the rep and his manager. I was told that {$9900.00} was the max daily on their app but they were able to process {$19000.00} with a customer service rep. 

This was spread over XXXX payments including principal, interest, and escrow. Not the intended purpose whatsoever. 

Today is day XXXX with no resolution. They have set several target dates to have this resolved and those dates have passed, and it has not been resolved to date. Another payment has been processed ( standard monthly auto withdraw ), so I can only assume this was processed against the current principal balance which is wrong, causing even more confusion. 

I've contacted customer service 9 times since XX/XX/2022 and get the same result every time. It's in process..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-04-23
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX the following accounts : XXXX XXXX XXXX XXXX Account number XXXX Date XXXX, XXXX XXXX XXXX, XXXX. 
XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX Date : XX/XX/XXXX the following above accounts has violated my rights. 

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Please block all fraudulent information 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 2022-06-23
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
At approximately XXXX pm on XX/XX/2022 I was sent a text message from US bank stating I had someone try to send XXXX payment to XXXX XXXX. I replied NO that I didnt and was immediately contacted by US bank fraud department.I was told that my account was in jeopardy of being closed. The person verified my account and social security number. I was then told to transferred XXXX via XXXX over to what I thought was my account. After I transferred the funds, I hung up to call US bank and was told there was no such thing and that I was scammed by the person. US bank is now saying that I am unable to get my funds back.

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 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 account XXXX XXXX account # XXXX collections has violated my rights .This is not my account and needs to be deleted from my credit report. and was done under my name without knowledge. Im going through XXXX with my wife and trying to buy a home. This is affecting us heavily. 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.Ive also filed theft report to have matter deleted and previous cfpb 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 non-monetary relief
Consumer complaint received 2022-06-23
Company: EAST WEST BANK
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/XXXX, I fell victim to two multi-layered scam operations run by XXXX XXXX and XXXX which involved me making deposits for a total amount of XXXX USD from my East West Bank account to East West Bank at the instructions of the scammers. 

Date wired Amount Transaction XX/XX/XXXX XXXX Same bank internal debt transfer XX/XX/XXXX XXXX Same bank internal debt transfer XX/XX/XXXX XXXX Same bank internal debt transfer XX/XX/XXXX XXXX Same bank internal debt transfer XX/XX/XXXX XXXX Same bank internal debt transfer sub total XXXX XX/XX/XXXX XXXX Wire to XXXX XXXX XXXX Bank XX/XX/XXXX XXXX Wire to XXXX XXXX XXXX Bank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: EQUIFAX, INC.
State: NC
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 number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX XXXX account Number XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been a credit card customer of Citibank for around 15 years, and my credit score is excellent. Then, on XX/XX/XXXX and XX/XX/XXXX of 2022, I just received different emails from Citibank telling me that my credit cards were closed without providing any additional explanation or period to solve any issues. 
My complaint is that Citibank did not provide me with a warning period to keep my credit cards open ( one of them was my oldest credit card on file and closing it had a negative impact on my credit score ). Also, I am complaining because Citibank did not provide any explanations for closing my accounts.

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 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 number XXXX, XXXX  XXXX XXXX account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX XXXX account Number XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-21
Company: Stern Recovery Services, Inc.
State: NC
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:
They have placed this duplicate charge on my credit ( the same amount twice ) which I have advised them of this more than twice, did a dispute thru XXXX, now XXXX and they still won't correct. I have explained each time to them their error, that it is affecting negatively my credit score and begged them to fix it. They still will not fix it. 


STERN RECOVERY SERVICES COLLECTION/CHARGEOFF Other {$600.00} STERN RECOVERY SERVICES COLLECTION/CHARGEOFF Other {$600.00}

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 2023-11-27
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
They illegally went into my account and took {$250.00} for a {$40.00} bill. They are giving me the run around and saying they will send a check then I call back to confirm and they never sent said check.

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 2022-06-23
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I rented a vehicle using my Chase credit card and had an accident on XX/XX/21 with the rental vehicle, resulting in about {$3000.00} in damages. I am supposed to have insurance coverage for rental vehicles when I use my Chase card. I timely submitted a claim and then timely submitted all information requested by Chase on 2 or 3 occasions. I have confirmed with Chase representatives on the phone of 2 or 3 occasions that they have all the information they need, but I continued to receive emails saying they need additional information. Then, when I call about that, the phone reps tell me their computer says more info is needed. So, I have asked to speak to supervisors 3 or 4 times and am assured that I will receive a call from a supervisor within 24-48 hours, but I have never received a call back. This has occurred consistently over the last 10 months, obviously indicated that Chase is not responding in good faith, but is hoping I will just abandon the claim. I seek assistance in pursing this against Chase card services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-23
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I was served a notice from Crown Asset Management LLC as ssignee of XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX. Regarding a XXXX account with an account number ending in XXXX. 

The information displayed on the XXXX statement from XX/XX/XXXX is not my information. It has XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX. 

I have never lived at XXXX XXXX XXXX, XXXX, Ga XXXX. This address is no where in my credit profile. 

I do have a XXXX account ending in XXXX. That was originally owned by XXXX bank and was sold to XXXX XXXX. This account is current has been open since XXXX. 

This legal document has been filed with the Magistrate court of XXXX XXXX XXXX XXXX Georgia. 
1. It has never been presented to me to dispute until today as a notice to appear in court. 
2. It's not my account. My XXXX account is still active and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Incomplete/inaccurate information is being compiled and reported about in my consumer reports to third parties on a monthly basis which is a violation of my consumer rights under the FCRA.

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 2019-02-16
Company: RABOBANK, NATIONAL ASSOCIATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
In XX/XX/XXXX I started to file bankruptcy. Before I finalize the discharge I talked with a bank manager at my branch about my personal credit line over draft of XXXX attached to my checking acct, I was told that anything or over draft that at the time was not going to have any effect with filing BK and will remain open as I continue paying my monthly payment I will have access the use of this acct. So my BK was discharged XX/XX/XXXX. I was notified by letter two years later XX/XX/XXXX after BK Chapter XXXX discharged that they noticed I filed BK Chapter XXXX and they were closing the use of my overdraft personal credit line protection due to BK filing discharged if knew that they were going to close my acct anyways I would have continue making payment to it for the next two years after bankruptcy never late and always making a payment, at the time so since I was told one thing by bank manager in XXXX XXXX XXXX XXXX handling my acct and two years after discharge a totally different scenerio With letters attached. Im not going to pay off and should be not a open negative acct since I could have added to my BK. This is not fair and I want to be compensated for bad open neg acct by how it is reported taken off My credit report and discharge on my BK or just forgive debt, or reopen acct for use and I will pay it off if they reopen it these are the options and as fair consumer finance operation and integrity of Rabobank and our Government It should be resolved, without it stressing me out or my credit report. Thank you and I wait your response XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I just received a call from XXXX XXXX, XXXX XXXX Webster Bank branch manager. 
She told me that my line of credit application was denied because my home was appraised at {$140000.00} without anyone coming inside to look at it. 
Less than 3 months ago, Webster Bank sent in an appraiser and my home was valued at {$200000.00}. 
XXXX XXXX told me that if I wanted an accurate appraisal I would have to pay an additional {$550.00} for an interior appraisal. 
BAIT & SWITCH! 
I spent many hours obtaining documentation for XXXX XXXX, and after I have done all that, XXXX agreed that the {$140000.00} appraisal was not accurate, but I could get an accurate appraisal if I spent {$550.00} for an appraiser to come inside my home. This was not explained upfront. This is XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-07
Company: Maximus Education, LLC dba Aidvantage
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:
Aidvantage owes me a refumd check from loans that were taken out from the XXXX XXXX XXXX lawsuit. Ive yet to see any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: NC
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX/ Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation