BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-17
Company: EQUIFAX, 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 asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular XXXX citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was opened without my knowledge, consent, or authority within XXXX 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. 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 : {$9900.00} XXXX XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$400.00} XXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX XXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$4400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XX/XX/.

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 2023-10-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit 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:
Dear CFPB, I disputed a charge of {$890.00} with Chase bank for the merchant XXXX XXXX XXXX, and got a denial. The original transaction date is on XX/XX/XXXX, and it got rebuilt to my account after the dispute denial on XX/XX/XXXX. I wrote a letter to appeal the dispute result, and got denied again on XX/XX/XXXX saying that the transaction is valid. 

I travelled in XXXX XXXX, and a person in spider man costume asked me to take a photo with me and my girlfriend. After taking the photo, he asked for a tip of {$9.00}. However, I was charged {$900.00}. He left already when I realized that I was charged the wrong amount. 

In the reply letter provided by the merchant for the dispute, they claimed that I bought XXXX paintings and they gave me additional XXXX for free. This is not true, because I just took some photos and never bought anything. In the receipt provided by the merchant, it does not have any itemization that shows what I bought. The address on the receipt is also wrong. It says XXXX XXXX XXXX, XXXX XXXX, California XXXX. This address is actually for XXXX XXXX XXXX from XXXXXXXX XXXX and it does not sell any paintings. The receipt also does not have my wet signature on it although it writes signature verified. I never put my signature for this transaction. 

In the appealing of the dispute denial, I also attached a copy of police report that I filed after I found that I was charged the wrong amount. I also attached the photos that merchant took for my girlfriend, but Chase bank did not look into these and just said they already reviewed all the information to determine the validness of the translation. 

Furthermore, in the whole process, I have experienced a lot of trouble communicating with Chase. They first said that I should reach out to Fraud department, and then Fraud said I should speak with Dispute department. After several correspondence, Dispute department finally agreed to open a case for me. There is no clear ownership from the different departments, and I feel confused on who should I reach out to. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Broward Adjustment Services
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have debit from the hospital and the hospital send me by company collection and never this company send any letter about send to me to credit report and I have plan payment we the company but they send to me to the credit report also this account was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX has 2 accounts reported on my behalf to the credit bureaus. One account is approximately {$2700.00}. The account was disputed in XXXX of XXXX. The account was removed, however it has appeared back on my credit report. I am requesting debt validation. If the debt can not be validated, it should be removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: AMERICA FIRST FEDERAL CREDIT UNION
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:
America First Credit Union is reporting a late on my credit file and it must be removed. I recently checked my credit and noticed that America First Credit Union was reporting lates on a couple accounts when I was never late. For the months of XXXX, XXXX, and XXXX of 2019 I had made payments online. I had a few issues but didn't think anything of it as it said my payment had been received. Well at that time I looked at my credit and noticed these lates and called immediately to make sure my payment went through. The representative I talked told me that the payment had processed and I was good to go. However, I got another late and called because I was so confused. Apparently my payments did not process like I was told and I paid it off but I was under the impression that this current! This is not my fault, I did what I was supposed to do and I was never notified or called about these late payments. I need them to remove them from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Shellpoint Partners, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are looking to recast our mortgage. The mortgage loan is held by XXXX XXXX XXXX and serviced by Shellpoint Mortgage Servicing. We were asked by XXXX XXXX XXXX to contact Shellpoint directly. Shellpoint asked us to submit a request in writing asking to recast our mortgage. When we did so, they immediately wrote back saying : " This email is in response to your request to recast your loan. Shellpoint is servicing the loan on behalf of the current investor, XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Please be advised XXXX XXXX XXXX does not participate in recasting. '' When we contacted XXXX XXXX XXXX again asking for a clarification -- as their website contains a lot of information on recasting. I spoke on the phone with XXXX XXXX an escalation case manager at XXXX XXXX XXXX who sent me back to Shellpoint. 

At this point, the two companies are sending us round in circles, pointing us back to the other person. It is completely unclear why the loan can not be recast and who is making the decision. The information on their websites ( both Shellpoint and XXXX XXXX XXXX ) is completely contradictory to what we have been told on the phone and via email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
To Whom It May Concern, I am writing to express my profound concern regarding the assessment of my credit profile and the unprofessional behavior I have encountered from your representatives. Despite my diligent financial management and a strong credit history, it appears that my credit profile does not accurately reflect my financial responsibility. 

Here are the specifics of my credit situation : 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 XXXX XXXX XXXX XXXX Throughout my credit history, I have NEVER had any derogatory marks, late payments, or collection accounts. Every account has been managed positively. 

Furthermore, I have made multiple attempts to address my concerns with your representatives. However, I have been met with dismissive behavior, including being hung up on multiple times. I can not help but feel that this treatment is due to XXXXXXXX XXXX  as I am XXXX. Such behavior is not only unprofessional but also discriminatory. 

In light of the above, I would like to draw your attention to the Equal Credit Opportunity Act ( ECOA ), a United States law that prohibits creditors from discriminating against any applicant based on race, color, religion, national origin, sex, marital status, age, or use of public assistance. The ECOA mandates that all applicants should be treated fairly and without bias. Given my credit history, financial standing, and the treatment I have received, I am deeply concerned about potential violations of the ECOA. 

Based on the principles of the ECOA, I believe I should have fair access to credit and should not be unjustly denied or provided with unfavorable terms. I request a thorough review of my credit profile in light of the ECOA 's provisions, an investigation into the behavior of your representatives, and an explanation for any discrepancies. I have always prioritized my financial responsibilities and expect my credit profile and interactions with your representatives to reflect the same. 

I urge you to rectify any potential violations of the ECOA, address the unprofessional behavior of your representatives, and ensure that my credit profile is a true representation of my financial history and responsibility.

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 2023-10-06
Company: Credit Control, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Credit Control LLC called me about a medical debt. They requested I pay with them over the phone. I asked for a debt validation letter. They said they could email it to me. I gave them my email. They refused to give me the letter until I made a payment. I told them again I would need a letter or an email validating my debt. They said in order to do that I would need to make a payment with them right now over the phone.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-10-10
Company: Southwest Credit Systems, L.P.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
1. Creditor Name : SOUTHWEST CREDIT SYSTEMS Open date : XX/XX/XXXX Original creditor name : XXXX XXXX XXXX Open Balance : {$210.00} XXXX XXXXXXXX XXXX XXXXXXXX dollars 2. Creditor Name : XXXX XXXX XXXX Open date : XX/XX/XXXX Original creditor name : XXXX XXXX XXXX XXXX Open Balance : {$840.00} XXXX XXXXXXXX XXXX XXXX dollars I haven't the clue of were these came from are what they are, but they are on my credit report. These are all Fraudulent collections. I'm the victim of identity theft and all documents will be submitted below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: CITIBANK, N.A.
State: NY
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 made a purchase on XX/XX/2023 to internet retailer XXXX for merchandise in the amount of {$5600.00}. I received used, damaged, and not-as-described merchandise. I tried to return the merchandise but the seller refused and made the situation very difficult. I opened a dispute with Citi bank on XX/XX/2023 for help in this matter. Citi begun an investigation and initially ruled in favor of the merchant. I reviewed the materials supplied by the merchant and discovered blatant fraud, including forged documents and a false story that the merchant accepted the return and provided shipping labels. This was the first time I have ever seen these labels, and came as a surprise, because the merchant outwardly refused to provide them before. My suspicion is the merchant attempted to provide a different narrative but the story they provided made so sense and is also fraudulent. I called Citi bank to discuss this matter and on a recorded line, they advised me to " send the merchandise back so we may resolve this dispute in your favor. '' I did this. I sent the merchandise back with the newly discovered return labels the seller furnished to Citi bank on their dispute response. Citi bank then also asked me to submit a signed letter describing what happened and where the merchandise is. I did this. I sent back the items and supplied Citi bank their requested documentation on XX/XX/2023. I received notification on XX/XX/2023 per their website that the dispute was again resolved in favor of the merchant. Completely appalled, I called Citi bank on XX/XX/2023 to discuss this matter and they claimed the website is wrong and the dispute is still pending. They then asked me to provide the exact same signed letter I already had provided. I suspect gross negligence and incompetence on behalf of the investigative team at Citi bank and insist this complaint be used to re-examine the dispute and to properly resolve this matter in my favor.

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 2023-10-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 the several times I've complained about being a victim of identity theft. You must remove/block any items that was 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. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a notice from the Collection Bureau of the Hudson Valley , INC. to creditor XXXX  # XXXX, CBHV # XXXX dated XX/XX/XXXX, for a baance due {$180.00}. I immediately called XXXX XXXX that this case was closed by XXXX XXXX XXXX XXXX XXXX. on XX/XX/XXXX, his reply was that they do not deal wth other Credit Companies and I have 30 days to dispute the validity of this debt. ) On XX/XX/XXXX, I mailed a disute letter with CFPB Case # XXXX, XXXX  Case # XXXX and a letter from XXXX XXXX that the case is closed. I have not spoken to or received a reply to my dispute. Please see attached ( 4 docoments. ) Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax is reporting incorrect information on my credit report in addition to reporting to Third parties. If I call by phone, the agent ask you to go through and identification process. I was asked to send a picture ID of your driver 's license. I asked for an alternate way. You are asked a series of questions, many of which do not make sense. Such as name a recent or past credit card account and what were your monthly payments? I explain to the agent it was not a good question because credit card accounts are payments are based on balance not monthly payments. If I miss a question, I am not authorized and can not move forward. If I call by phone and provide my information it always says it can not be verified, even though I am providing the information that they have on file. 

I wish to report that the address listed on my credit report on XXXX XXXX is not an active or authorized mailing address. I have never used it as a mailing address. It is to be removed. 

I have not received any usable feedback for my first complaint. Equifax sent me something stating I need to send them a picture of my driver 's license for them to authenticate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: SYNCHRONY FINANCIAL
State: CA
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:
I started to get hard inquirys from XXXX XXXX and some other company and it has affected my credit a good bit

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 2023-07-20
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have my homeowners insurance escrowed for payment. I received another bill from my homeowners insurance company that it still had not been paid. I called the insurance agency and they informed me that i currently do NOT have insurance due to NON payment. After 3 hours trying to get someone to either answer the phone or figure out what is going on, I finally got ahold of someone at MR. Cooper who now tells me the payment went out today!! 

This is unacceptable and I see they have been sued in other states for the same thing. What if something catastrophic happened? Because they didn't pay the insurance i would have not been covered but still made responsible to pay my mortgage. 

Something needs to be done about them not paying peoples taxes and insurances. They are taking our money and not doing what they are legally bound to do according to our mortgage agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to WF XXXX XXXX, WF XXXX XXXX, XXXX XXXX XXXX, and WF XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or WELLS FARGO 's customer service representative.

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