BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
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:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XXXX -- -> : {$0.00} XXXXXXXX XXXX  : XXXX -- -> : {$5600.00} XXXX XXXX : XXXX -- -> : {$440.00} XXXX XXXX XXXX : XXXX -- -> : {$530.00} XXXX XXXXXXXX : XXXX -- -> : {$400.00}

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 non-monetary relief
Consumer complaint received 2022-06-17
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
We have a company credit card with Home Depot and are having an issue with incorrect statements being mailed EVERY month. The statements are generated 10 days BEFORE the end of the billing cycle and include 10 days of last month 's purchases and 20 days of the current 30 day cycle. Absolutely worthless statements. 

Example : I have a Home Depot statement dated XX/XX/22 for {$230.00}, but the actual amount due is different since some of these invoices were already paid and 10 days worth were omitted due to the statement being generated before the billing cycle ended. 

The statement does not even include a date the payment is due! Citibank, N.A is the vendor for home depot and should be providing customers with an accurate statement each month instead of trying to convince customers this absurd billing practice is the norm!!

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 2022-06-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it 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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2021-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Went to Bank of America XXXX XXXX XXXX, at XXXX XXXX in XXXX XXXX to access safety deposit box XX/XX/XXXX. Branch was Closed despite regular banking hours. Sign said closed due circumstances beyond their control so I emailed branch to set up access. Then drove to another branch in XXXX on XXXX XXXX XXXX XX/XX/XXXX to ask why my branch was closed and asked about arranging access to deposit box. They could not do either and told me their branch is affiliated with XXXX and not in the XXXX jurisdiction. 
After XXXX hours and no contact, I emailed again XX/XX/XXXX. BOA branch on XXXX XXXX XXXX called and left a voicemail message so I called right back and could not connect with them all bankers busy helping other clients. I tried again XXXX minutes later, got connected and was told someone would call me in XXXX minutes. 

Prior to this, access to the XXXX XXXX branch was disrupted and closed due to XXXX then a renovation but was fully functional beginning XX/XX/XXXX. Throughout these XXXX  months access the safety deposit box was by appointment only At that time BOA permanently closed the next closest branches snd had failed to notify clients of any of the closures along the way.

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 2022-06-17
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter in the mail from a credit agency ( XXXX  ) stating that I have a dept from regions bank and I needed to pay the debt collector. However I do not bank at Regions Bank nor did I have an account with them. Someone has stolen my information and opened and account on my behalf without my permission or knowledge, this is fraud

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 2021-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 reported the following information to Transunion via the CFPB on XX/XX/2021 : There is a balance from XXXX on my credit report that has been paid to the debt collection agency XXXX XXXX. The balance reported on my credit report was {$770.00}, however the amount I paid is {$270.00} XXXX not including a {$2.00} processing fee ). However, it is in violation of several FCRA statutes. The items I cite as being violations of the FCRA are : posting a higher balance than the collections representative had me pay, no date of first delinquency reported as required by FCRA 623 ( a ) ( 5 ) ( a ), not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections that prohibit deletion. On XX/XX/2021, the company responded that they are reviewing the complaint and that they would follow-up within 60 days. On XX/XX/2021, I checked my Transunion credit report to find that the XXXX account was updated with more incorrect information, and the incorrect information stated above remained on my report. I have attached the previous attachments, along with a screenshot showing the most recent incorrect update. I am requesting that this account is fully removed and deleted from my credit report due to the several violations of the FCRA mentioned above. 

I am requesting that this account is fully removed and deleted from my credit report due to the several violations of the FCRA associated with this account.

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 2022-02-22
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is trying to collect a debt from me even though they do not have a contract to do so. I have asked them to show me the contract and they refuse to produce it. How can I know the terms of the debt repayment as far as fees, interests, and various costs go if I do not have a copy of the original agreement? Producing monthly billing statements is not enough and establishes that they do not have a contract and that one may exist, but they for sure do not have it in their possession. I want this harassment to stop. I am a XXXX citizen and this is causing me a lot of anxiety. I do not know why I am spending so much time trying to fix the mistakes of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off in the amount of {$14000.00} on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was stolen and I was covered by insurance with XXXX. I have attached a copy of my insurance and I have also attached a copy of the Incident Report ; Case Number XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX in XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX these are hard inquiries that i know nothing about!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: WELLS FARGO & COMPANY
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I disputed a {$200.00} transaction that Wells Fargo is allowing to stay on my bank account. My XXXX stole my card information and paid for Her internet with it. Wells Fargo is calling that " Friendly Fraud ''. That is Not Friendly Fraud. Friendly Fraud is when You charge your own card and then dispute it with the bank. The charge was made on XX/XX/2021. The Wells Fargo representative Refused to do anything about the issue. So if I can't resolve it this way, I'm going to scour XXXX, Texas for an attorney to sue. At No point did I authorize Anyone to charge me {$200.00} for internet. The internet account that I was charged for isn't even in my name. It's in my XXXX 's name. Wells Fargo also charged me {$35.00} for the fact that the {$200.00} charged overdrafted my account by {$160.00}.

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 2017-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
On XX/XX/XXXX, I sent, by XXXX, two money orders ( {$980.00} and {$1000.00} ) to Capital One Bank to deposit into my account. These money orders were received and depsoited into my account onXX/XX/XXXX. OnXX/XX/XXXX, the two money order deposits were reversed by Capital One. I called them and was told by a manager by the name of XXXX that the Federal Reserve had informed them that the money orders had already been deposited on XX/XX/XXXX at another bank. They were unable to unable to provide me with any further information as they said that the Federal Reserve did not provide any. I am now out {$1900.00} and Capital One is unable or unwilling to help even though I sent them the actual, physical money orders ( see attached documents ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions 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:
XXXX XXXX took me to court in 2017 & the Judge ruled in my favor dismissing the case with prejudice. However, Experian has put this debit on my Credit Report & refuses to remove it although I have provided proof.

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 2020-01-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeated frequent calls from numbers and locations all over the country from Portfolio Recovery. I have repeatedly stated to them that I do not have any business with them and asked them to quit calling me. This has been going on for 2-3 months now.

I receive an average of 3-4 calls daily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14
Company: Experian Information Solutions Inc.
State: CO
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 ; Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$14000.00} on XXXX XXXX partial account number XXXXXXXX. ( Please see page attached from my credit report. ) This vehicle was stolen and I was covered by insurance with XXXX. I have attached a copy of my insurance and I have also attached a copy of the Incident Report ; Case Number XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2022-06-17
Company: Block, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I sent {$100.00} to a friend via CashApp on XX/XX/XXXX. They contacted me to let me know that they had to get a new phone and lost all their contacts, as well as access to rheir CashApp account. I attempted to contact CashApp support, but they said they couldn't pull the money back, since the transaction had completed. My friend is unable to access their email associated with their account, and would have to create a whole new account in order to continue using the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Due to a {$0.00} ( cents ) past due tax bill. Green Tree decided that we needed an escrow fund set up on the mortgage payment to pay our future taxes.This raised our monthly payment from {$550.00} per month to {$820.00} per month. We contacted Green Tree to get this removed from our payment but the customer service rep. said this would have to be taken before a review board and they would have to investigate and make a determination as to whether it should be removed. We sent documentations showing we paid the taxes, and that we would continue to pay our taxes ourselves. They evidently ignored these documents and continued on their own agenda. We feel as though the company has been trying for the last few years to steal our home by any means possible since our loan was sold to them without our being notified of the impending sale from XXXX. We would never have gone with this disreputable company. We do not want to pay for an escrow account we have never needed. We feel like they do not listen to us when we contact them, and when they put you on hold to discuss this matter with someone, they are dodging the issue. We sent our XX/XX/XXXX payment in to them and they are holding it and not applying it to our account so we will be behind in our payments. We feel like we are being taken advantage of!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$15000.00}

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 non-monetary relief
Consumer complaint received 2022-02-22
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Penn Credit Corp is reporting a collection on my XXXX, XXXX, and XXXX XXXX XXXX for a debt that they do not own. The original creditor is The City of XXXX and they own the debt but Penn Credit is reporting and attempting to collect on a debt that they do not own and has been Paid In Full to the original creditor, City XXXX XXXX in full. They are also adding fees of XXXX which is not owed to the city of XXXX and they do not own the debt that has been paid in full to the original creditor and is reporting to my credit bureaus. Per telephone discussion, they should be removing the collection from all three credit bureaus. There is no outstanding debt owed to The City XXXX  XXXX as the {$260.00} balance owed to them has been paid. On XX/XX/2022, I spoke with Penn Credit who advised that they have the ability to remove the listing on my credit report. I also spoke with XXXX, a manager at the city XXXX XXXXXXXX who advised that she spoke with Penn Credit Corp and confirmed that they have the ability to remove the listing they are reporting for a debt that has been paid to the original creditor in which Penn Credit doesn't own. 
Prior to XX/XX/2022, I have never communicated with Penn Credit or received any written correspondence. They clearly sent items to an incorrect or old address as I never received anything from them. I contacted them by retrieving their number from their listing on my credit file. The city XXXX XXXX also has the ability to pull this from collections as they have been paid. They sent me the portal screenshot showing that Penn Credit had a bad address for me which is why I never received anything from them. I have requested Removal from all three credit bureaus as Penn Credit is reporting debt they do NOT legally own that has been paid to the original creditor that doesn't exist as it has been paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: NV
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 filed a complain this past month regarding a company that has been reporting false data to Experian. 

this company uses the same account number, but has different names for branches of its companies. 

this company was reporting these accounts as charge offs from i believe in 2016, but then also listed them as having past due amounts. 
Experian responded and appeared to have deleted one of these disputed items, but in printing out the report, it did nothing.

this violates the FCRA.

Experian must PERMAMENTLY DELETE all information that has be falsely reported, instead, it sends a boiler plate response, makes it look like it has deleted the item, but really has only " updated '' the date from when I dispute. 
They are doing NOTHING to follow the FCRA laws

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