BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-25
Company: Experian Information Solutions Inc.
State: FL
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:
To Whom it may concern, I'm filing a complaint with Experian. I wrote a letter on XX/XX/19 to Experian requesting the copies of the original source of the information reported including but not limited to, original contract of the service agreement with my signature. For 2 accounts that they had reporting in my credit report. ( XXXX- card service balance {$32000.00} and XXXX XXXX XXXX {$18000.00} collection ) This is something i can request and they must supply according the Fair Credit Reporting Act Section 609. In my request I had attached a copy of there credit report with these accounts and a copy of my current drivers license and my signed social security card to provide proper identification. There response was a generic account verified response for both accounts. In other words a complete disregard for my request. So on XX/XX/19 I wrote a second letter requesting method of verification with details and again the copies of the original source of the information reported including but not limited to, original contract of the service agreement with my signature. This is something i can request and they must supply according the Fair Credit Reporting Act Section 611. In my request I had attached a copy of My original letter and there response and a copy of my current drivers license and my signed social security card to provide proper identification. There response to my letter was clear. It is willful non compliance even if it means not following federal law. They claimed that they will not respond further due to Section 611 ( a ) ( 3 ) ( A ) in the Fair Credit Reporting Act. What that section states is the following " In general Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. " My request is neither Frivolous nor irrelevant nor lacking sufficient information to investigate! This is willful non compliance from experian. I have attached may pieces of evidence if more is needed feel free to contact me.

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 2020-08-28
Company: Time Investment Company, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XXXX payment was set up on an automatic payment plan with Time Investment Co. In XXXX I discovered that they had cancelled my automatic payment without notifying me. By the time I discovered this my next payment was already late. I made my payment through online banking through my checking account. I gave the company the check number, and proof that payment was made and asked them to stop calling me 3 times a day in writing on XX/XX/XXXX. They continued to call 3 times a day and email daily. On XX/XX/XXXX I told them again in email to stop calling me or I would report them for harrassing me. On XX/XX/XXXX they cashed the check, but they have continued to call me 3 times a day and email me daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX Citibank responded to a dispute I filed for a {$2000.00} charge from XXXX XXXX to my Mastercard, temporarily crediting the charge off my credit card. XX/XX/XXXX Citibank informed me that they had charged the {$2000.00} back on my Mastercard, due to the merchant sending them copies of everything I signed, but not justifying why XXXX XXXX XXXX refused to refund anything. XX/XX/XXXX I responded by certified mail to Citibank, stating that they had no justification for the chargeback to my Mastercard, as the merchant had not responded with any justification why he was offering no refund. XX/XX/XXXX, I wrote back again by certified mail to Citibank advising them I was going to turn this matter over to federal authorities if they did not refund the {$2000.00} which I was justified to receive and that I had supplied them with copies of all my emails between me and XXXX XXXX, showing that Mr.XXXX XXXX was not trying to work with me. XX/XX/XXXX I wrote by certified mail to XXXX XXXX CEO Citibank asking him for help with the {$2000.00} dispute and another dispute for {$260.00} with XXXX and never received any response. 
I also had multiple phone conversations with Citibank disputes agents on XX/XX/XXXX, XX/XX/XXXX, etc. The last phone conversation I had with XXXX ID # XXXX. He told me on XX/XX/XXXX, that he was trying to work with the merchant to get the dispute resolved, but that the merchant was not cooperating. He also told me on XX/XX/XXXX, that the investigation team had been working on my dispute since XX/XX/XXXX and that the dispute will be settled by settled within 7-10 days. It is past that date and I am tired of being given the run around by Citibank. I want the {$2000.00} and the {$260.00} back, plus all interest charged, plus punitive damages for the dishonest way Citibank has conducted themselves. I have hard copies of EVERYTHING I have spoke of here, so I can prove everything I have said.

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 2017-06-28
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My FICO score provided by XXXX XXXX XXXX does not reflect my good payment history. My score during XX/XX/XXXX - XX/XX/XXXX was XXXX and was lowered to XXXX during XX/XX/XXXX - XX/XX/XXXX. The most recent score for XX/XX/XXXX was downgraded to XXXX despite the fact that I 've never had one single late payment on my credit card since XX/XX/XXXX. I 've called XXXX XXXX XXXX and they confirmed my impeccable payment history but could not explain why my FICO score got lower.

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 2017-10-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was negatively affected by the XXXX data breach. I called XXXX to freeze my credit and they will only do it if I pay them {$10.00}. 

I did not ask XXXX to keep a file on me - they do not have my authorization. I do not like the fact that XXXX furnishes anyone who pays with their unauthorized ( by me ) credit reports. Now they want ME to pay THEM to protect me from the perils their industry has subjected me and millions of other innocent citizens to. 

I used to pay XXXX to freeze my credit until these credit reporting crooks lobbied to have that taken away. Now XXXX is not allowed to freeze my credit. 
So much for the little guy. This industry is being allowed to destroy individual financial services customers credit lives One at a time. Please stop these crooks ( Experian, XXXX  and XXXX ) from charging the public to undo the harm to the average citizen 's credit they cause.

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 2021-07-23
Company: EQUIFAX, INC.
State: FL
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:
MY IDENTITY WAS USED WITH OUT MY KNOWING BY SOMEONE I DONT KNOW, NUMBERS OF UNPAID DEBTS WAS REPORTED FRAUDULANTLY TO MY CREDIT REPORT, CAUSING MY CREDIT RATING TO BE SEVERELY NEGATIVE. I AM SUBMITTING THIS REPORT TO GET SOME HELP IN REMOVING PERMANENTLY THESE NEGATIVE ACCOUNT OF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hi ... i want to get rid of this loan ..first off they are charging me ( Navient ) for something I dont work for I went to school for XXXX XXXX at XXXX College which is no longer open school got close down nowhere to be found and still charging me I just want to get rid of this so my credit can go up I been in this for the past 7 years and my credit just dont go up! I really need to get rid of this student loan ... I need help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was solicited via text about taking a loan out of one my homes, only asked questions and wasnt interested other than to understand how it worked! Agent at quicken loans processed with out my authority a inquiry on my credit report, called and pleaded to take it off! As I had no interest in this.. was told they would not take off the inquiry they put on my credit report! Spoke to gentleman 3 times! He basically told me I have no right to stop them, and I could not dispute their inquiry! As I explained it effected my credit score and he kept on looking into my credit report! Without my knowledge! 

What can I do to erase this? And is what the agent told me, correct that he can do as he pleases. I have no control of a stranger to pull my credit report, and try to make me take a loan on one of my properties? 

XXXX if needed to be contacted about this matter! As I feel the gentleman was evading my personal privacy without my concern!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX complaint XXXX was submitted through CFPB for 3 inquiries from XXXX  XXXX from dates : XX/XX/XXXX, XX/XX/XXXX with Transunion and XXXX, and XX/XX/XXXX with Transunion, XXXX  and XXXX. XXXX XXXX kindly answered that was going to take them off, on the answer to CFPB. 

The Credit Agencies neglect to take the inquiries off, even showing the answer from the Bank, and answer me that the Bank needs to take them off. 

Please act according to the answer submited to CFPB, on your previous answer.

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 2021-07-23
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: Account information incorrect

Complaint:
I have two personal loans from XXXX XXXX XXXX  in the amounts of XXXX and XXXX. I have paid off both accounts six weeks ago and these accounts are still showing as current with the paid off balance still present. I would like for these accounts to reflect as paid so my credit reports can be current and up to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have two personal loans from XXXX XXXX XXXX  in the amounts of XXXX and XXXX. I have paid off both accounts six weeks ago and these accounts are still showing as current with the paid off balance still present. I would like for these accounts to reflect as paid so my credit reports can be current and up to date.

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 2019-07-26
Company: WELLS FARGO & COMPANY
State: GA
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:
Date : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX , XXXX Ga, XXXX Account number ending in XXXX Wells Fargo Claims Assistance Center Credit card Fraud Claims XXXX XXXX XXXX XXXX, NC XXXX I am writing to dispute a fraudulent charge on my account in the amount of around {$1900.00}, from XXXX XXXX. I am a victim of identity theft, and did not make this charge/ I am requesting that the charges be removed, and that any finance and other charges related to the fraudulent amount be credit back to my account, as well, and that I receive an accurate statement. 
Sincerely, 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 monetary relief
Consumer complaint received 2019-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have multiple credit card accounts open with capital one in good standing for nearly 5 years. In XXXX of 2018, there was an error in the app and the payment I made toward one credit card, the oldest I have with them, was not received. I was never notified by capital one that the account was delinquent, otherwise I would have rectified the problem immediately. You could clearly see in my credit file that for years I have made thousands of dollars in payments monthly and have never been late. Why would I have been 30+ days late on a {$25.00} payment? I tried asking capital one for goodwill removal of this after it was actually partially their fault for never notifying me and also for their app not allowing my payment to go through. They denied help over the phone multiple times over multiple times and I wrote formal letters to Capital One @ XXXX XXXX XXXX in XXXX XXXX XXXX and never even received a response. I recently asked for verification from the credit bureaus and capital one even furnished completely erroneous information on the late payment, stating to the bureaus it was late in XXXX, when it actually was XXXX, further negatively affecting my credit score as showing the late had been more recent than it was. I just simply would like capital one to appreciate a customer who has never stiffed them on principal or interest and have even referred people to their bank. Now they are treating their good customer like a criminal and affecting a 6-figure earner into barely even being able to get a decent rate or account anywhere because of this negative activity on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Someone gave me a fake check and I deposited it into my account so I have to owe capital one XXXX,XXXX back. Im a mother and currently XXXX. Its hard to try and pay that for someone who tried to scam me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was negatively affected by the Equifax data breach. I called XXXX to freeze my credit and they will only do it if I pay them {$10.00}. 

I did not ask XXXX to keep a file on me - they do not have my authorization. I do not like the fact that XXXX furnishes anyone who pays with their unauthorized ( by me ) credit reports. Now they want XXXX to pay XXXX to protect me from the perils their industry has subjected me and millions of other innocent citizens to. 

I used to pay lifelock to freeze my credit until these credit reporting crooks lobbied to have that taken away. Now XXXX is not allowed to freeze my credit. 
So much for the little guy. This industry is being allowed to destroy individual financial services customers credit lives XXXX at a time. Please stop these crooks XXXX XXXX, Equifax  and XXXX XXXX from charging the public to undo the harm to the average citizen 's credit they cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
<This is not a duplicate complaint> Dear Paypal, it is important to note that this Complaint involves an account that is in my name : XXXX XXXX ... Please send my funds by US-check. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: CITIBANK, N.A.
State: AR
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:
This is in regards to the Government taking action against Citi Bank with a {$700.00} XXXX judgement and returns to 8.8 Million  accounts. 

Citi said and shows a balance owed me at {$730.00}. However if one divides 8.8 Million into XXXX XXXX  it looks like each account would receive over {$5.00} XXXX. My refund doesn`t even come close to that amount. So who is getting those {$5.00} XXXX refunds. Amount is just a quick estimate as you know.

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 2022-06-10
Company: TRUIST FINANCIAL CORPORATION
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have an auto loan with Truist Bank. I have recently moved from XXXX to XXXX XXXX and need to register my car in the state. In order to register my car, the State requires that I have the police department perform a VIN check and for that I have to present the title even if there is a loan on the car. I talked with Truist by phone twice. First, I was told that the State had to request the title. The State 's policy is that it will not request title information from lienholders or leasing companies. The State told me I needed to request the information. I spoke with another person at Truist who said that I could request the title myself by only by fax. I did that by fax on XXXX - requesting that the bank send title information to the XXXX DMV. The State received nothing. The State told me I should request that it be sent to me as the State will give it to me anyway when the State receives it so I can take it to the police department. I requested that of Truist on XXXX by fax and on XXXX by email. I did a chat with the Bank today and it refuses to send the information to me. I have a transcript of that discussion. I need to register my car. I need evidence of title so that I can comply with the State of XXXX XXXX XXXX registration laws. Thanks.

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 2019-07-25
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
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:
Filed a dispute with an old payday loan that has been paid in full. Asked XXXX XXXX to investigate and verify the account. The account still shows charge off and also derogatory on my credit profile. The creditor agreed after payment to remove from all three credit bureaus. Which was a lie. The payment history is showing unknown therefore it is an unverified account reporting to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Amscot Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received a Payday Loan from Amscot and was referred to Credit Counseling. I was handed a list of agencies by Amscot and decided on XXXX XXXX XXXX XXXX ( XXXX ) who I paid on time and in full. An emergency came up and I requested another loan from Amscot and was denied with a letter of Action Taken and statement of reason ; Other History of - Delinquent ( past ) or present credit obligations with us. I went to another Pay Day Loan agency on the same day and was denied for the same reason. As I am trying to maintain a favorable credit rating " this was upsetting ''. How can Amscot send me to credit counseling when they new that this action would negatvely affect my credit rating? I would have rather just stuck to the original terms set up by Amscot. I accepted credit counseling because the extended payment terms they offered were preferable to paying Amscot the full amount ( {$500.00} ) immediately. I had no idea that by accepting credit counseling it would negatively affect my credit rating.

Company response to consumer: Closed with explanation