BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint to help establish a legal recourse. If the Credit Reporting Agencies choose to not block the account listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the account as it is fraudulent & was opened without my consent or knowledge... 

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 2022-09-15
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
They were supposed to remove. I went to Audi they said it was applied wrong and then when I sold them back card they didnt pay it off for 57 days. 

They said they would remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I filed a complaint with you regarding inability to activate my card. US bank left me a message yesterday saying they believed they had a solution to my problem. The woman asked me to call back at :. ( The line went silent ). I called the number she had called me from and was put on hold listening to obnoxious modern country music for half an hour. I hung up.

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 2022-01-22
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
lexis nexis is reporting for XXXX on my personal information without my permission violating USC codes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). 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.

. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Still reporting a judgement docket # : XXXX from 2008 on my credit report that is XXXX years old.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-23
Company: Opportunity Financial, LLC
State: UT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had first taken out my loan with Opportunity Finance ( or XXXX ) in XXXX XXXX. I made all my payments, and received credit line increases. My income at the time my loan was approved was {$70000.00} annually. 

In XXXX of XXXX, I became unemployed for 3 weeks. I was able to get temporary work ( temp job ) through a staffing agency. My income was then $ XXXX/hr. 

I notified Opportunity Finance that I was unemployed, and they 'suspended ' my account for 1 month while I tried to get employment. 

After the 1 month, and my account was active again ; I told them my new salary, that I could n't afford the normal payments. They accepted what I could afford at the time, which was {$25.00}. 

They continued to work with me, allowing me to make bi weekly payments of {$25.00} while I was working the temp jobs. They did this for approximately 5 months. 

In XXXX of XXXX, they told me I could no longer make {$25.00} payments, that I had to pay more. They gave me no reason for this. They said the minimum payment that I could do was bi weekly payments of {$79.00}. I told them I could not afford that, they told me to bad, but they would accept bi weekly payments of {$61.00}. I still could not afford these, but I tried. 

In XXXX of XXXX I became unemployed again. When I notified them, they 'suspended ' my account for one month again. I was able to get another temp job at the end of XXXX XXXX. 

In XXXX of XXXX, my account became active again. I called to set up payments I could afford, which was bi-weekly of {$25.00}. They told me they could n't accept that, the minimum was {$61.00} bi-weekly. I told them I could n't afford it, they said there was nothing they could do. So I did make a couple payments in XXXX and XXXX, but I could n't make anymore. 

At this time I asked them if my loan matured, and they said yes ( no longer accruing interest ). I asked them the balance, and they told me just over {$2400.00}. I asked that all payments being made are reducing the principal balance, and they said yes. They said as long as I made payments, no interest would accrue. This did n't make sense to me, because I was under the impression it had matured. 

Anyway, I could n't make any payments at the end of XXXX, beginning of XXXX. In XXXX, I received a threatening email saying it was the last time they would try contacting me ( they never contacted me before this ), and that if I did n't make a payment, they would take me to court. 

I could n't afford it, but I ca n't afford being sued either. So I set up a {$61.00} payment for today, XXXX XXXX XXXX. I told them that my current temp job is ending today as well, can they 'suspend ' my account for one month while I look for employment. They said no. The collection manager 's name is XXXX, he said he could n't help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: High Point Asset Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My wife and I are getting repeated calls from " High Point Asset '' about her debt. She does not have any outstanding debt and the company wants her to immediately verify her SSN. We get XXXX calls per day and it is very obnoxious.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: HANCOCK WHITNEY BANK
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Whitney Bank refuses to provide a XXXX letter of a promissory note sent to me in XX/XX/XXXX that accelerated the beginning of the statute of limitations at that point, They are now stating that they can not find the demand letter and that it does not exist while suing me for the promissory note deficiency and claiming the Demand/.Acceleration letter was never sent. They have however furnished every document that is pertinent to their claim. We have an internal ledger that states the demand was sent in XX/XX/XXXX. I need to compel the bank to furnish the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). 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.

. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXXXXXX

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: TX
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:
XXXX XXXX representing XXXX XXXX has promised via mail that they would report a XXXX ( {$0.00} ) balance to all credit bureaus concerning my previous XXXX XXXX account. This has not happen as of yet. I was a responsible consumer and have paid my obligation. Yet, I have been dealing with the problem for two ( 3 ) years with a lot of run around and no resolution. Please see supporting documentation as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Experian Information Solutions Inc.
State: NJ
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:
These student loans have been defaulted for years due to amount unable to pay. These accounts were closed and due to be removed however they were reported active after 8 years nonactive. This is past statue of limitations and should not have occurred. 
Please help. 
This school previously attended in which loans are from are from a closed down school back in 2007 due to fraud against students. 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 2018-09-21
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Greetings, On XX/XX/2018, I initiated a transfer of USD XXXX via Western Union to my sister ( XXXX XXXX XXXX XXXX XXXX ) in XXXX, XXXX ( XXXX XXXX ). She could not collect that money because she was denied by the cashier without any further explanation. 
Of note, there was another transfer made by another family member to the same receiver XXXX XXXX XXXX XXXX XXXX ) to be picked up that same day ( XXXX XXXX ). She effectively collected that one in XXXX on XX/XX/2018, at XXXX local time. 
Given that the transaction # XXXX XXXX was denied, I reached out to Western Union for a refund, which they declined, claiming that it was paid to the receiver. I opened an incident report for clarification. Upon investigation, Western Union claimed that the money was collected in XXXX, a city about 150 miles away from XXXX on JXX/XX/2018, at XXXX XXXX EST ( i.e XXXX local time ). 
I reached out to Western Union again and I provided all the required documentation for the investigation. I remember speaking with XXXX ( fraud department ) who, upon review of the documents, agreed that it is unlikely that the money was collected by the receiver. She promised to escalate the case to the higher authority within Western Union. The last time I spoke with her, she recommended that I file a claim with the police. 
In summary 1. Transfer # XXXX XXXX : declined 2. Transfer # XXXX XXXX : collected on XX/XX/2018, in at XXXX in XXXX, XXXX 3. Request for a refund on the declined transaction is rejected by Western Union 4. Western Union claims that Transfer # XX/XX/XXXX XXXX was collected on XX/XX/2018, at XXXX in XXXX, XXXX Major discrepancy : The same person could not have collected two transfers within 14 min in two different cities that are at least 150 miles apart ( comparable to completing two transactions PHYSICALLY in XXXX and XXXX within 14 minutes ). This is humanly impossible even if traveling by air. Besides, the transportation infrastructures in XXXX are not among the best in the world. 

I really need your help with this matter. USD XXXX ( plus fees ) is too much money for me to lose. Western Union needs to refund my money if they can not explain to whom it was paid to. It was definitely not to the receiver I requested according to their terms and conditions of service. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: CITIBANK, N.A.
State: IN
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:
I Filed a charge dispute and then tried to modify the amount. Was not told that the dispute would be closed and that the bank could not reopen it. I have spoke with the CITI bank several times and they said it was a problem with Master Card not them. I then called Master Card and they have ignorant people that work for them. Tells me that the bank is the one that places the dispute and to stay on the line. So after holding the bank gets on the call and I tell the lady from Master Card to stay on the line and see leaves. Master Card prevents the banks from reopening the dispute and ties the hands of the bank, This complaint is against Mastercard not CITI

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 2018-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have had Mastercard with Capital One for quit a while. A few months ago someone got my credit card number and used it on various purchases and when I found out about it I filed a complaint with Capital One and just today I received 2 letters from a employee XXXX stating the fraud issue had been solved and should show on my statement .. First of all she had no clue that my account had been closed because of the fraud issues.. I spoke to a supervisor and he too didnt know it had been closed.. I asked if I could have a new card because of the fraud had been settled. Everyone told me I needed to apply but I had already applied but because of the fraud my credit isnt good and they refused me with a new card.. But there isnt a person that I spoke to had no clue. Evidently they dont leave notes. I went on line to view my account and of course there wasnt anything there.. All I want is a new card and not one person will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: SYNCHRONY FINANCIAL
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:
Back in XXXX, I had a XXXX XXXX XXXX XXXX ( Now Synchrony, JCPenny Card ). They kept charging me fees and overcharging. I paid {$150.00} on XX/XX/XXXX, as final payment on a card balance of {$170.00}. I sent a letter to XXXX XXXX XXXX on XX/XX/XXXX, to get them to address the problem and close the account. They never investigated the problem or issue. They sent it to collections to a company called XXXX XXXX represented by the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. When I sent them a demand and proved they should not have tried to collect the account, the entered a settlement not to sue them or XXXX XXXX for violation of state and federal law. As part of the agreement, the account was to be removed from my credit and a XXXX balance letter sent out. This is not a write off account this account was closed so I would not sue them. I have tried to dispute it several times, and all agency refuses to remove it despite the fact I have a signed agreement the account was to be deleted. I am asking the CFBP fine all three major CB for willful violations of the FACT and other consumer protection law.

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 2022-07-26
Company: EQUIFAX, INC.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been submitting multiple written appeals to Equifax regarding the fraudulent information being reported on my file. The last letter I sent to the Credit Bureaus was XX/XX/2022 with complete attachments of my personal information. This Complaint is being submitted through the CFPB to inform the Credit Bureaus that I am a victim of identity theft and the accounts I am disputing do not relate to any transaction that I have made or authorized neither did I received any benefits as a result of the theft of my Identity. This Complaint is to follow up my Previous Complaints last XX/XX/2022. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below are the result of such crime and must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX NY XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been submitting multiple written appeals to Experian regarding the fraudulent information being reported on my file. The last letter I sent to the Credit Bureaus was XX/XX/2022 with complete attachments of my personal information. This Complaint is being submitted through the CFPB to inform the Credit Bureaus that I am a victim of identity theft and the accounts I am disputing do not relate to any transaction that I have made or authorized neither did I received any benefits as a result of the theft of my Identity. This Complaint is to follow up my Previous Complaints last XX/XX/2022. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below are the result of such crime and must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX 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 2016-05-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In XXXX XXXX XXXX Equifax after investigation remove collection account from my credit from XXXX XXXX XXXX Account # XXXX for {$83.00} conformation # XXXX. In XXXX collection account come up again in my credit. I submit complain to CFPB case # XXXX. In XXXX XXXX XXXX I receve responce from CFPB stated collction was removed. In XXXX XXXX I check my credit and Equifax and XXXX show collection for {$83.00} from XXXX. I need you help to permanantly remove this collection from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a name on my credit report that is not mine nor has it ever been mine. Not sure how long it 's been there because I just noticed it and I do n't check my credit report as regularly as I 'm sure I should. I attached a picture only one of those names is correct. Thanks in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief