BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have disputed credit reporting agencies about unknown address of XXXX XXXX XXXX, XXXX, XXXX Plus also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my address. Also I retired on XXXX XXXX XXXX on XXXX XXXX2014 from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, California.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 2019-11-22
Company: WELLS FARGO & COMPANY
State: UT
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:
Wells Fargo Home PR # XXXX is reporting a charge off to my credit that I do not owe. This is past the statute of limitations in Colorado where I received the debt and I no longer legally owe this. I would like it to be removed off of 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 2022-06-13
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have tried calling multiple times. I get put on hold, then told that account is closed which is something I know because citi closed my account without an prior warning. The rep then hangs up the phone on me. This has happened to me with 5-6 different reps

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2022 ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX was not done by 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 2022-06-13
Company: Keystone Credit Services LLC
State: SC
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:
Keystone Credit Services has put a {$9900.00} XXXX XXXX on my report that is 1000 % not mine! They have continually NOT sent me any info and will refuse to admit that its not mine! This has been going on for months now and needs to end! They are 1000 % in the wrong and needs to be taking off my XXXX credit report!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I paid a debt listed on my account in full, upon it not being removed I have submitted disputes to XXXX and Transunion with my proof of payment on two separate occasions now.

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 2019-11-22
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Prestige Financial Services Administration proposed a settlement of {$12000.00} on sale of my XXXX  XXXX XXXX with XXXX miles on it. 
Prestige Financial Services Administration stated they will settle for {$12000.00} but remaining balance of {$5000.00} on the loan will be reported to XXXX, XXXX  and XXXX  credit reporting bureaus to destroy my credit and credit scores and put me in more financial hardship as l am respectfully XXXX XXXX and XXXX  and on fixed   XXXX Retirement  income. 
There is a dealership or car Organization of XXXX  that's offering {$12000.00} for the vehicle as XXXX has sent me a email forwarded to Prestige Financial Services Administration Mr.XXXX XXXX that XXXX   will purchase the vehicle for {$12000.00}. 
The vehicle is well maintained by me and there is no mechanical issues on vehicle as a California certified mechanic check all the safety on the vehicle and conducted Tune up, brakes and any repairs on vehicle. 
Vehicle has new tires and is very cleaned.

Vehicle is insured by XXXX  insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
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:
I submitted a dispute with Experian in XX/XX/2020, for an account with XXXX XXXX XXXX XXXX. On XX/XX/2020 this account was removed from my credit report with XXXX, XXXX  and Experian. In XX/XX/2020, ( I am unaware of the exact date ) XXXX XXXX XXXX XXXX reappeared on my credit report. I did not receive any letter from Experian or XXXX XXXX saying that they would be reinserting this item back unto my credit report. I called Experian to find out what happened and the representative was unhelpful. I have sent numerous letters to both Experian and XXXX and the only response I have received from both companies is that they will not be removing this account, and I can no longer dispute the account with Experian. I sent both companies a copy of my identity theft reports. I am now a victim of improper reinsertion. I did not receive any written notification from Experian or any creditor stating that this account would be reinserted within five days of insertion. This information is affecting my credit and does not belong to 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 2019-03-15
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
These company reporting on XX/XX/XXXX {$380.00}, XX/XX/XXXX {$770.00}, XX/XX/XXXX {$1500.00}, and XX/XX/XXXX {$160.00}. I sent them letters letting know these are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
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 Thursday XX/XX/ 2022, Golden 1 Credit Union seized my checking account funds the day I received my payroll check. The used these funds to pay on my delinquent credit card issued by their institution. They seized {$2300.00} and have yet to contact me back about my dispute of this or my requests for a claim of exception or hardship. I placed a call to them XXXX Friday XXXX 2022 and was advised that a manager would call me back the following Saturday XX/XX/ 2022. I did not receive a call as I follow up and was told they did not have a Manager available due to staffing issues to contact me. I went into a local bank that same day to speak with a Branch Manager, that simply made a call to the same department I contacted and was reiterated the same, that no one was able to assist me. The Branch Manager confirmed with the representative that there was a request to contact me about the issue and that I should receive call no later than Tuesday XX/XX/ 2022. The representative also stated to the Branch Manager, that it "... probably wont help speaking to them as the funds will most likely not be returned. '' As far as collection tactics I had not received any written delinquency notices via mail or email to collect the debt. I was informed on XX/XX/ 2022 by the representative that they do NOT send any written correspondences to collect, but rather will attempt 1 phone call to collect and if no contact is made by the consumer, they will seized all account funds. I advised the representative that this was not fair and due to my financial hardship my phone has been disconnected a few times and the message was not received. She did not indicate any other correspondence that would have been sent prior to the seizure and only stated that it is within the terms of the agreement that this could take place. However within the agreement it does not indicate the collection tactics that are to be used. The representative stated they limit the communication so that the consumer does not close the bank account. 

Considering the climate of the financial instability, of which I had been impacted with a loss of Child Support income, and the inability to sustain my payments, I feel that this practice was unfair and inhumane. They offered not solutions or have made contact to assist me. I have XXXX  children and my income for employment is for our livelihood and they ceased all of my funds. The collection tactics are unfair.

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 2019-11-22
Company: EQUIFAX, INC.
State: UT
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 XXXX XXXX  # XXXX is reporting a charge off to my credit that I do not owe. This is past the statute of limitations in Colorado where I received the debt and I no longer legally owe this. I would like it to be removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Experian Information Solutions Inc.
State: UT
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 XXXX XXXX  # XXXX is reporting a charge off to my credit that I do not owe. This is past the statute of limitations in Colorado where I received the debt and I no longer legally owe this. I would like it to be removed off of 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 2021-07-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was scammed out of approximately XXXX dollars a couple of months ago. I was promised a puppy and paid the owners of the dog. When it was time to receive the dog they didnt show up and used fake websites and accounts to reel me in. I clearly didnt get what I paid for and have now lost a lot of money to people are potentially scamming. I called Wells Fargo and they didnt help me and didnt give me any solutions or pointed me into a direction that could solve my problem. They were incredibly lackadaisical even though it was a clear scam. The names of the dog owners didnt match the names of who the money was sent to.

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 2020-05-06
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
XXXX has been reporting this auto loan to my credit files since XX/XX/2013. It has now been 7 years and I gave the car back to them. But they still reported my account 30 days for the last 7 years. It is supposed to be deleted from my credit report. But they aren't deleting it. They will find some excuse for why its still being reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Home Point Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
About 15 months ago, we obtained a loan for a primary residence purchase for the home next door. My cousin moved here to be next to me. Our lender- despite the appraisal coming in at $ XXXX and the loan amount being $ XXXX charged PMI. Thats 70 % of value, well below the 80 % for PMI. It seems we should never have been charged PMI. I have asked for weeks to resolve this and receive a refund ( see email correspondence below ) but so far Im not getting any positive responses and only encounter delays and deferrals to other contacts within HPC. First, was it legal to charge PMI given the circumstances? Second, we ask the PMI immediately cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 XXXX XXXX  # XXXX is reporting a charge off to my credit that I do not owe. This is past the statute of limitations in Colorado where I received the debt and I no longer legally owe this. I would like it to be removed off of 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 2020-01-07
Company: Resurgent Capital Services L.P.
State: UT
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:
LVNV Funding is reporting an account with a balance to my credit report. However I have already paid this off and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX ), Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX  ) Account # XXXX ( XXXX XXXX XXXX  XXXX ), Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXX, XXXX ) have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Have contacted them about wrong information on my credit report. The items are showing all different with the credit limit, past due amounts and days late before charge offs.

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 2017-07-22
Company: Experian Information Solutions Inc.
State: VA
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:
To Whom It May Concern : The following accounts are showing on my credit report that have not been legally validated and verified. The original creditor has not provided validation and the Court refuses to validate this debt as they can not find any record of it. Please verify and validate it or remove from my credit reports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA : Accounts : XXXX XXXX {$350.00} XXXX XXXX {$180.00} XXXX XXXX XXXX {$210.00} XXXX XXXX {$450.00} XXXX {$1400.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$730.00} Thank you for reviewing this and getting these items off my report immediately. Sincerely, XXXX XXXX XXXX XX/XX/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 2022-06-13
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX a purchase of a leather loveseat and bench was charged on my Macy 's credit card with an additional fee for furniture protection of {$240.00}. 
This was a Great Giveback certification program. If there were no claims within 7 years, I was eligible to receive a store credit certificate valued at the original LIMITED Product Protection Plan price ( {$240.00} ). 
We received a confirmation of our application on XX/XX/XXXX. 
We never received the Macy 's giveback certificate. 
We called the phone number we were given many times and either I left a message, or they never answered the phone call.

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 2021-02-02
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
my account have been close since XXXX since then have not get my funds from them and i did get an email from them saying my funds have send back to sba i call sba and they did tell me they have not received any money yet i dont know what to do anymore because i have a loan with sba that as interest on it pls help me thank you

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 2017-07-22
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: Personal information incorrect

Complaint:
I have disputed credit reporting agencies about unknown address of XXXX XXXX XXXX, XXXX, XXXX Plus also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my address. Also I retired on XXXX XXXX XXXX on XXXX XXXX,2014 from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, California.XXXX.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: Experian Information Solutions Inc.
State: PA
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 submitted a police report and identity theft and affidavit and and a request to block or remove fraudulently activity on my report and they said m police report was fake that they contact acted the police station and that was not true cause i called the police station.They continued to report negative items on my 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 2017-07-22
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XXXX, 2017 I charged {$510.00} onto my account.I made my first payment in the amount of {$150.00}, on XXXX XXXX, 2017. After being handed a late fee my remaining balance was {$540.00}, i was then charged a finance charge in the amount of {$12.00} and then credited {$12.00}, which left me with a remaining balance of {$390.00}. On XXXX XXXX2017 I made a payment in the amount of {$390.00}. I was assured by the customer service representative that my balance was completely paid off. To be clear, all payments were made over the phone with a live customer service representative. On XXXX XXXX, 2017 I came to the realization that I was being charged {$84.00} in late fees, an amount I i paid immediately to avoid any further fees, but by this point it was too late and I was red flagged on my credit report which spiked my credit score to an abysmal XXXX. Although i am not disputing the fees, I do feel cheated, since i was given false information by the company when I was told that my account was paid off. When i contacted the company after learning of the dramatic change in my credit score, the only help they offered was a {$30.00} credit on my account, which i refused since i have a balance of {$0.00} anyways and those {$30.00} would not improve my credit score. i am not looking for any financial compensation i am simply seeking for help restoring my credit score since their false information lead to its dramatic fall.

Company response to consumer: Closed with monetary relief