BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-17
Company: CITIBANK, N.A.
State: VA
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX I purchased a digital product for {$8.00}. I was charged {$2000.00}. I immediately filed a dispute with my credit card company as well as the Merchant. 

The Merchant stated they only ever received {$8.00}. The credit card company has acknowledged that this is correct. 

The credit card company has still not fixed this and every time I try to follow up I have to start from the beginning. Sometimes they put me on hold and eventually disconnect the call. I tried to contact the dispute department again today ( XX/XX/XXXX ) and was put on hold and then hung up on. 

I have done everything I have been asked. I do not know what more I can do.

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 2021-02-16
Company: SUNRISE CREDIT SERVICES, INC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2020, we moved from XXXX XXXX  XXXX to XXXX, Maine. As part of that move, we cancelled our cable with XXXX in XXXX and then opened a new account with XXXX here. We have no oustanding balances with XXXX and are, in fact, continued customers in good standing. 

Sunrise Credit Services, calling from the number XXXX called a few months ago, demanding payment of a {$40.00} debt, related to our closed XXXX  account in NY. Because you pay your cable bill in advance of each month, it's actually impossible to close an account with an oustanding balance, so this makes no sense. We went online and confirmed a XXXX  balance on that account. 

At some point, Sunrise bought a phony receivable and has been attempting to collect it from us. I informed them by phone and by letter that there is no debt and to go away. But they called my phone yesterday and left no message. 

They have also asked me to prove to them that there is no debt. I told them that we are under no obligation to share any information with them and left it at that.

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 2021-02-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Notified Citizens bank not to pay taxes and insurance from escrow since these invoices were not correct. Bank paid anyway causing temporary, false escrow shortages. Bank subsequently increased monthly escrow amount based on overinflated values. 

Customer then paid over {$800.00} to opt out of escrow. Bank issued a letter stating that the escrow account was closed per request of customer. Thinking the matter was resolved and within a few short weeks, same bank sent a demand letter for escrow funds to place in escrow so they could hold the customers money, to pay insurance in the upcoming year. 

Bank told customer in latest letter that the monthly payment will increase to cover this so called escrow. Ordeal has been ongoing for four months, and meanwhile the customer is hit with monthly escrow payments again, after the customer paid to waive the escrow option.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is a year long attempt trying to resolve the ERRONEOUS reporting done by XXXX XXXX XXXX XXXX XXXX I have provided XXXX months of payment history from my bank account confirming that all payments were paid on time, never XXXX days late. 
I need help, please! 
XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. Please have them delete these unauthorized inquiries. 

XXXX  XXXX/XXXX  XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX/XXXX  Complete Department XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry XXXX XXXX XX/XX/XXXX XXXX/XXXX  Finance Companies - non specific Inquiry date : XX/XX/XXXX 2019

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 2023-09-07
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
In accordance with 15 USC 1681a ( 2 ) ( a ) ( I ) Transunion, XXXX, and XXXX has violated my rights by reporting the transaction between Me the consumer and the person making the report which the companies Im doing business with. This considered a violation. 15 USC 1681a ( 2 ) ( a ) ( I ) clearly states the transactions between the consumer and the person making the report is excluded from the consumer report. 

Account reporting inaccurate information. 

XXXX. XXXX XXXX Account # XXXX Open date inaccurate Last reporting date inaccurate Last Active dat inaccurate Last payment date inaccurate Clearly show late payments which is an violation XXXXXXXX XXXX Account # XXXX Last Payment Date wrong on this account Last Active Date is inaccurate Payment Status Inaccurate Clearly show late payments which is an violation XXXX XXXX  Account # XXXX Opening Date is inaccurate Last Reported Date inaccurate Date last Active inaccurate Date of Last Payment inaccurate 4. DP OF EDUC Account # XXXX This account does not belong to me Never gave consent to furnish this account This is considered a violation. 

XXXXXXXX XXXX XXXX XXXX XXXX  Account has been paid off This company has not license to collect in Washington DC Please delete this account as it is causing financial and emotional damage. 

XXXX XXXX Account # XXXX Open Date inaccurate Payment Status inaccurate Date last Active inaccurate Late payments being reported is a violation Please delete this account XXXX. XXXX XXXX Account # XXXX Open date inaccurate Active Status inaccurate One report say open, another account say Paid. 
Please delete this inaccurate account XXXXXXXX XXXX  Account # XXXX Open Date inaccurate Last reporting date inaccurate Credit limit inaccurate Please delete this account A consumer report should be 100 % Accurate. There are too many inaccurate accounts and consistency of careless activity being done on my report. There must not have been any investigation of my consumer 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 2021-03-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, in XX/XX/XXXX i requested forbearance due to XXXX and received approval for XXXX months XX/XX/XXXX Forbearance was extended another XXXX months XX/XX/XXXX XXXX XXXX uploaded to SPS to assist in repaying the delayed payments while in forbearance. 
XX/XX/XXXX SPS requested financial information ( taxes, XXXX XXXX XXXX, bank statements, etc ). We emailed the requested documents to the relationship XXXX. The receipt was confirmed by SPS. 
Additional Documentation Uploaded XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Requests for clarification of information ( answering includes uploading information or calling to clarify previously sent information, often information and questions we already provided : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Complete Assistance Package Notice ( letter stating all the required information was received and we should receive an answer in approximately 30 days ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Property Appraisals done ( new appraisal each time ) : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Resumed making monthly mortgage payments. Was told we did not need to make the payments while in the XXXX process but because of all these delays it had been a year, so we started making the payments as to not get further behind. 

XX/XX/XXXX received an email that they needed clarification on some documents. Called and spoke to a relationship manager, she said the notes asked to confirm what % of a company was owned by XXXX. I told her that I had sent over XXXX different profit and loss statements for that company with that information on it. I sent that information on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Every time they ask for more information, or the same information previously supplied everything is again pushed out XXXX business days. 

all i wanted since XXXX is to start paying back and work out a deal about missing payment, i consulted with mortgage broker and he recommended to start making payment which i did this month XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: WELLS FARGO & COMPANY
State: OK
Product: Credit reporting 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 have no knowledge of these inquiries and want them off my credit repost ASAP.

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 2021-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My XXXX statement did not notify me that I would be charged the account maintenance fee starting this month. Then I was charged an account maintenance fee on 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 2021-02-16
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company I have no knowledge of and they keep updating stuff on my credit. I tried disputing it much times they want stop. I dont know what to do with them. Im not and I dont have the money to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Repeated phone calls, contacted employer and relatives after certified letter sent to company to cease all phone communication. Advised to contact debt relief company to negotiate a settlement directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Unanswered Dispute with TransUnion after 60+ days I sent my dispute letter via certified mail ( XXXX ) on XX/XX/XXXX, to Transunion. TransUnion confirmed receipt on XX/XX/XXXX by mail and assigned file number XXXX. 

On XX/XX/XXXX, I sent a second dispute letter via certified mail ( XXXX ) advising TransUnion that it's been over 30 days, and I'd like the account removed from my credit report. As of XX/XX/XXXX, I've seen no response from TransUnion. 

As of today, it has been over 60 days since I've heard from TransUnion.

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 2019-09-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
When my mother passed away XX/XX/2019, I was notified that I became successor trustee of her Wells Fargo Living Trust Checking account. Wells Fargo would not allow me to access the account, until I had the death certificate. Once I finally received the death certificate I faxed it to Wells Fargo, and it took several days for the bank to process and allow me to gain access to the account. 

I wasn't able to view the statements until XX/XX/XXXX. That's when I discovered that several checks had been forged, totaling about $ 5,000.The latest check was cashed XX/XX/XXXX, for {$3000.00}, more than two weeks after my mother 's death. ( Even though I knew of my mother 's death, Wells Fargo refused to close the account until I had the death certificate. ) I notified the Wells Fargo Fraud Department immediately once the banks allowed me access and I read the statements and saw the checks. It took the bank two weeks to return my inquiry and finally a XXXX XXXX, check fraud specialist returned my inquiry. After about another two weeks of hearing nothing, I called him back at the check fraud department. My claim number is # XXXX. XXXX XXXX said that since some of the forged checks had dated back to XXXX 2019, that stopped Wells Fargo from any obligation to try and get restitution. 

Wells Fargo admitted that the checks were clearly forged. I think the bank had an obligation to not honor signature on the checks that were not my mother 's signature. Why even sign checks unless the signature is a valuable identification tool? Wells Fargo has a responsibility to verify the authenticity of such forged signatures that are easily identified as fake. Now that my mother is deceased. This is theft from her estate. 

Wells Fargo is supposedly conducting a criminal investigation. On XXXX XXXX, a XXXX XXXX, financial crimes consultant at Wells Fargo e-mailed me about her concern about the forgeries. She said she had nothing to do with Wells Fargo 's position on refusing to make any restitution for the forged checks. XXXX XXXX 's number is XXXX. Her address is XXXX. 

This is another example of how Wells Fargo is addicted to its red tape rather than truly helping its customers.

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 2023-11-09
Company: EQUIFAX, INC.
State: UT
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 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 explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: GA
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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 explanation
Consumer complaint received 2021-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
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 did not revieve the service I paid for capital one reversed the charges back to my card, a dispute was started. 

I sent the physical items back to the vendor, I have proof of delivery and condition from the vendor. 

Capitol one is now placed the charge back on my account and is charging interest on items I no longer have

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: Credit Karma, LLC
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX in their 'XXXX  XXXX ' continues to show stale information that doesnt match what is shown on XXXX 's XXXX website. I have reached out to credit karma and they continue to state 'they are pulling live information from XXXX  XXXX. 

one the information they are showing is over a month and a half old two it differs from what XXXX shows in their website in every way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I filed a complaint 2 months ago and they have not helped me, they have allowed the credit bureaus to continue failing to fulfill their duties.

Company response to consumer: Closed with explanation