BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: EQUIFAX, 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2017-01-27
Company: GVA Holdings, LLC
State: TX
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
Due to a banking mishap I was stuck out of town in a business trip with no cell phone or way to pay for food. I had to get a payday loan to survive. As I was new my job I had to get the first one that approved me. Now I am paying 775 % on a XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never received any notice or call from the company XXXX XXXX. I had a credit card with Capital One years ago. When i was going through XXXX  XXXX XXXX XXXX and a divorce at the same time my ex husband used my credit cards. I have tried to contact the creditor as well as the credit bureaus but there has been no resolve. I also put a fraud alert on my credit reports. 
There is no telephone number or company information listed for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: TN
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 and Reporting Act, XXXX Accounts : XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX. 
XXXX XXXX XXXX Account # XXXX, have violated my rights 15 USC 1681 section 602 A, states that i have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written insctruction.

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 2022-05-18
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following items are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$58.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$170.00}

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 2017-02-10
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A credit inquiry was mistakenly placed under my credit report. I have tried contacting the collection agency, Transword Systems, to get this item resolved, however they are not very helpful. What they do is start transferring me from XXXX department to another, and sometimes out right refuse to help me. My credit has taken a very large plunge ( it has gone from mid XXXX to mid XXXX ). Every attempt I have taken to tried and get this resolve always results in me being transfer, and no one actually helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: TRANSWORLD SYSTEMS INC
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I was told by XXXX that XXXX of my loans had defaulted and were sent to TransWorld Systems Incorporated. I have been calling TransWorld Systems Incorporated and leaving messages for a return call to find these loans, check the balance, and establish a payment plan. I have yet to hear back from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Mr. Cooper Group Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have requested MI  removal per the Homeowners Protection Act from my loan servicer, Mr. Cooper. XXXX XXXX XXXX. This was requested in XXXX, once I passed the mandatory 2 year mark for having MI. I was told I would be contacted for a broker price opinion to determine value. It has been over 30 days and nobody has contacted me yet. I have called back twice and am told that it has been requested and they will follow up, but nothing has been done. My XXXX payment included MI as will my XXXX payment and I should not have to pay this. Current loan balance is {$340000.00} and my home is CONSERVATIVELY valued at {$520000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 a secured credit card with XXXX XXXX. They were supposed to be a credit builder company, and thats the reason I have obtained it. XX/XX/20 I have received email from all my credit monitoring platforms stating that I have overspent my credit card, and for that reason my transunion credit score decreased XXXX points! This company called self lender is practicing unfair business! I have paid my credit card much before the due date XX/XX/20, instead of this company be reporting to the credit bureau like any other financial institution, they are reporting what you spent on your card before payment is due. For example : my credit card is due on the XXXX of each month. I pay the credit card the XXXX of that month. After the statement posts like any other credit card I can spend. This company is reporting to credit bureau at the end of each month your balance that you have on your card! This company has Hurt my credit score in the middle of purchasing a home. Im in the process of purchasing a home, and my credit has reduced XXXX points. They have reported to the credit bureaus that I have overspent {$18.00} dollars from my credit card! I need this company to shut down! I have filed a complaint with the XXXX XXXX XXXX as well! They will not ruin my house purchasing! I am a single mother with a young kid, and my dream my whole life was to purchase a home. I need XXXX XXXXXXXX  to fix what they have done to my credit as soon as possible! Im closing my house in 2 months! I cant afford taking a hit of XXXX points on my credit score! I will upload photos of what was reported to the credit bureaus as well as my statement.

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 2016-12-19
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have an outstanding payday loan, I am being told to a company by the name of midland. I 'm not familiar with the debt. they have threatened to come to my home and job to arrest me. Please help, I honestly do not know what this is about. Their tel # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26
Company: Early Warning Services, LLC
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I applied for a remote job with a company called XXXX XXXX with data entry position. They interviewed me and went through all the processes like when you apply for a job. After they accepted me they told me they will send me a check to buy equipment through their vendor! They sent me XXXX checks XXXX of the checks amounted to around XXXX dollars after I deposit the balance can not available right away, they said I can zelle their money after the balance was available which I did Zelle their money when the balance of the check went through. After a few days, the check bounced back because it was not clear, fake, ide not have enough balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: EQUIFAX, 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:
XXXX  and Equifax is not helping me to remove these Inquiries, I am practicing my right to challenge questionable information that I have found on my personal credit report. These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. I found I was not the one who authorized this inquiry, I'm asking that that be removed immediately from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Rewards

Complaint:
The Citi Prestige Card -- there 's a benefit that states the forth night is free at any hotel worldwide when booked through their travel service and booking a non-discounted, GDS-avaibale rate. Well that sounds great, but their travel service seems to cherrypick when they 're going to make a hotel available, and the process itself is very cumbersome ( call, make a request, maybe get an e-mail back in 24 hours ... ) I 'm a travel industry/technology insider, so I understand very well how GDS, TMCs, and the hotel booking process works. 

I attempted to book a personally important trip by calling the Citi Prestige Concierge a few times. Finally, I received an e-mail stating both of my preferred hotels were unavailable, even though they were, of course, available. Each time I checked online AND called the property ( in XXXX XXXX ) to confirm, and the availability was there. I asked ( repeatedly ) that the Citi agent just transfer me to the XXXX XXXX agent so that we can resolve it, but I was told new Citi policy forbid this. 

Finally, I gave up and booked the four night stay directly with the property. Citi should honor their customer commitment and provide me with the fourth night free. It 's an expensive hotel, but it 's peak season in a far-away land. That should n't affect Citi 's willingness to honor their promise and core element of marketing the card to it 's intended demographic ( their words ) affluent consumers on a worldwide basis. 

Also, Citi should think seriously about providing an online booking system just as XXXX and XXXX do for their hotel benefits on their top-tier credit card programs. I believe XXXX XXXX provides those services, and it does n't make any sense at all to involve XXXX people ( minimum ) PLUS the customer PLUS 24-48 hours on each request. It 's almost as if the process is designed to be too cumbersome to be used. 

To the regulator : imagine if booking a ticket or hotel room through XXXX took multiple people, multiple phone calls, and 24, 48, 72 hours of waiting before even knowing if the hotel is available ... and this is supposed to be a " high-end '' service on a {$450.00} per year card. 

Again, a simple ask to Citi : that they honor the 4th night free benefit given that I booked directly with the hotel as a non-doscunted " rack rate, '' and I 'm charging the hotel stay to my card. Also, that in the future, they consider how to simplify the process supporting this primary advertised benefit of the card. 


Thanks, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions 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:
Upon reviewing my credit file, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Report : XXXX 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 explanation
Consumer complaint received 2022-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX  Account # XXXX and account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 
Amount : {$100.00} Date : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, has violated my rights. 
Amount : {$490.00} Date : XX/XX/XXXX XXXX XXXX XXXX section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX re-aged XXXX of my accounts from XXXX XXXX. I sent copies of a credit report provided by XXXX with correct and original dates which stated that they wereto stay on my reports until XXXX 2016. XXXX deleted them on XXXX XXXX, 2016 but since put them both back onto my credit report. Equifax only deleted XXXX, refused to recognize the correct dates, stated that they lost my documentation eventhough they deleted XXXX off. XXXX is still reporting XXXX, after investigation they deleted the same account twice. I want to file complaints against all XXXX credit reporting agencies as well as XXXX XXXX XXXX for continuing to try reinsert these accounts knowing full well that they are in fact inaccurate. The very ones who are charged with theresponsibility of ensuring the accuracy of information continue to be totally inaccurate themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: U.S. BANCORP
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have applied for refinance of my primary mortgage for 15 years on XX/XX/2020 with XXXX XXXX from US bank. They did a rate lock which was to expire in 3 months. 
They took initial deposit of {$390.00}. 
They collected some documents from me but did nothing, their loan office XXXX XXXX XXXX, just put me on hold for hours together while talking to someone else. After 4 months of doing nothing with my application the loan officer finally said that they have fired their Underwriter who was incompetent and now my loan application will move faster. I asked them to refund my {$390.00} so that I can get my refinance application somewhere else but they refused to refund the money. The lock period expired and the rates went down considerably but they refused to put another lock for lower rate. Now I am in this limbo where I do not know what I can do? The consumer should not be made to suffer if US bank choose to hire incompetent employees who can not do their work.

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 2020-08-07
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from 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 explanation
Consumer complaint received 2017-12-27
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I already blocked their number, but keep calling and do n't leave a message. They call 3 to 4 times a day everyday. I dealt with the same debt collecting agency before and they 're rude and inconsiderate thats why i do n't answer their calls anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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/XXXX, I contacted TransUnion about the following negative accounts XXXXXXXX XXXX  XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3300.00} ), XXXX XXXX XXXX XXXXXXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$5900.00} ), XXXX XXXX, ( Date Opened : XXXX XXXX, XXXX, Balance : {$9200.00} ), XXXX XXXXXXXX XXXX XXXXXXXX ( Opened XXXX. XXXX, XXXX, Credit limit {$200.00} ), XXXX XXXXXXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$180.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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