BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-09
Company: Experian Information Solutions Inc.
State: MA
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:
On XX/XX/19, I learned of a derogatory item on my consumer report : an account with XXXX XXXX XXXX that I didn't recognize, and that was apparently in collections. I contacted Experian immediately to initiate a dispute. In the meantime, I was able to identify that the original creditor on the account was XXXX XXXX XXXX. I contacted XXXX XXXX XXXX, and after navigating through phone trees and long hold times, was connected with XXXX XXXX XXXX, which determined, in relatively short order, that the account was created as a result of fraud. XXXX XXXX XXXX 's XXXX XXXX XXXX department issued a letter ( attached ) that shows the account was fraudulently obtained. 

Experian has two ways to submit documentation related to a dispute : 1 ) you can send it by mail, along with a copy of a government-issued ID, a copy of a utility bill/bank statement, and a copy of your Social Security card ; or 2 ) you can use their " secure document document upload service, '' at experian.com/upload, which isn't accessible from Experian 's " Dispute Center. '' My problems are that 1 ) after multiple attempts, I've been unable to successfully use the upload service, and gotten only error messages ; and 2 ) to mail in the documentation, I have to include information that is a ) cumbersome to obtain and b ) subjects me to further risk of identity theft. 

This experience has been maddening. XXXX XXXX XXXX also happens to be my current mobile provider, and I pay my mobile phone bill on a timely basis monthly, but XXXX XXXX XXXX seemingly never attempted to contact me regarding this account ( apparently tied to a California address ), and instead chose to send it to collections. Experian 's a consumer reporting agency, but not only is their website littered with cleverly disguised advertisements for expensive credit monitoring services, they also have no consumer-friendly way to submit documentation regarding a disputed item. I think that's pretty ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2017-05-17
Company: CITIBANK, N.A.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
on  XXXX / XXXX /  XXXX   I called  Citibank Home Equity Loan Dept  to inquire about a home equity loan that was paid in full however continues to show that we are late with payments. I faxed over a dispute letter as instructed along with a satisfaction of mortgage to Citibank and was told I would get a letter in the mail and also an email stating that the dispute was being processed. I called them on  XXXX / XXXX /  XXXX   to inquire about both since I did not receive it and the person I spoke to said the letter was mailed out on  XXXX  and that I should receive it on  XXXX / XXXX /  XXXX  . I still had no email. on  XXXX / XXXX /  XXXX  , I called to say that I had n't received any letter/email and was promised that a faxed copy of the letter would be sent to me by the end of that business day which I did not receive. On  XXXX / XXXX /  XXXX   I called and was transferred to several people for almost  two  hrs to finally speak to a supervisor that said that my dispute was not opened up properly and that no letter was available to send me. I have been asking for a letter to provide to my mortgage broker stating that we are paid in full and are not late with any payments. After that supervisor  XXXX  hung up on me I called back and got a person named  XXXX  who said that he was send me a paid in full letter that I could send to the credit bureaus and it would be faxed and emailed to me within  24  to  48  hrs. This is delaying my mortgage process.  XXXX  even said that we are paid in full and have no current business with Citibank but the service has been horrible, I often get transferred from  one  person to another. Im told various things and nothing seems to be happening to get my credit report corrected. my credit reports states that I have been late from  XXXX  to current.

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 2022-11-23
Company: EQUIFAX, INC.
State: IL
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:
I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Someone has stolen my identity and opened up 6 different credit cards in my name. My credit reports are currently showing these fraudulent accounts XXXX XXXX  XXXX opened on XX/XX/XXXX and charged off with a balance of {$2500.00} XXXX XXXX XXXX opened on XX/XX/XXXX that has been paid and closed XXXX XXXX XXXX  opened on XX/XX/XXXX and charged off with a balance of {$1100.00} XXXX XXXX XXXX  opened on XX/XX/XXXX currently open with a balance of {$460.00} XXXX XXXX  XXXX XXXX opened on XX/XX/XXXX sold to XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX opened on XX/XX/XXXX charged off with a balance of {$3100.00} XXXX XXXX XXXX opened on XX/XX/XXXX charged off with a balance of {$400.00}

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 explanation
Consumer complaint received 2022-07-08
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:
FCRA violations : inquires not mine XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record unti FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$210000.00} Status Open. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$640.00} Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
OFFICE OF THE ATTY GENER Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Open.

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 2021-08-24
Company: RoundPoint Mortgage Servicing LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today, XX/XX/XXXX, marks the one-year anniversary since I refinanced the conventional home mortgage that was held by RoundPoint Mortgage Servicing Corporation. It has now been 365 full days and I am still waiting for the return of the {$3800.00} that had been held in escrow. The refinance was totally plain vanilla. There were no complexities, and procedurally I did everything exactly right. RoundPoint does not deny this. I have called and emailed RoundPoint no fewer than 25 times over the past year and have wasted at least a dozen hours ( maybe 2 dozen ) over the past 12 months in efforts to get back my money.

RoundPoint claims they sent me a check ( way back on XX/XX/XXXX ). The fact is that I never received that check. They claim it was cashed. I know nothing about it. For months I have been jumping through the many hoops they have put before me ( such as signing affidavits and representations to their bank, etc. ) In XX/XX/XXXX they assigned XXXX XXXX ( Company NMLS ID # XXXX ) as my Customer Advocate Specialist, with a promise that the matter would be resolved promptly. I have called her and emailed here countless times over the past six months. She just says she is expediting the matter and that she is waiting to hear back from their fraud department, or that its still being processed, or asks me to fill out more paperwork ( often the same form yet again ). Recently I got a message that she is transitioning to a new role and now there will be a new point of contact assigned to my case. 

I have nowhere and no one to turn to. I have never seen anything so unfair and poorly handled in my life. Enough is enough. Their treatment of me and my case has been utterly unforgiveable. I honestly believe they are guilty of embezzlement. 
Can you please help me to resolve this matter? 

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 2021-09-20
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account status incorrect

Complaint:
I gave back a Lexus to Lexus ( Toyota Motor Corp ) in XX/XX/XXXX. Lexus closed the account formally in XX/XX/XXXX and told me they were writing the car off, and said I didn't owe them anything. They said the debt that was written off may be sold to a third party but I had no obligation to them. No one ever contacted me regarding this. 

In XX/XX/XXXX, I was buying a home and disputed the presence of this closed debt with Toyota Motor Corporation with approx. $ XXXX balance. Lexus apparently REOPENED the account at that time and turned it active! XXXX dropped my credit score 123 points and started reporting late payments for an account that had been closed almost 6 years.

I called Lexus, and they apologized for their mistake and immediately closed the account. XXXX and XXXX immediately restored my credit score. However, XXXX continues to this day to report missed payments on this CLOSED account. I never once missed a payment on this vehicle. I negotiated with Lexus to give the car back for sale in XXXX. 

I need Lexus to restore the original official account closing date ( XX/XX/XXXX ) and remove any reports of missed payments on this account. Also, I need XXXX to restore my credit score of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
An SBA loan was deposit on my Chase account. After that Chase close my account and came to a conclusion that the SBA loan was not available for me. After closing my account supposedly they will sent the loan back to the SBA, but that never happened. I contact Chase, not only by phone, but also physically at one of their branches, but nobody was able to give me any information or solution to this matter. 
I have been in contact with the SBA customer service, because I received email and letters from them charging monthly payment plus interest fee, for a money I never received and it was supposed to be returned by Chase.

As a mention before the SBA confirmed that they never received the money.

The bank is ignoring all my requests from this matter and they still havent returned the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
According to, the federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness. All three bureau 's I have asked for information showing proof of this bankruptcy they are reporting on my credit profile. 

I have sent letters to all three bureau 's from XXXX XXXX  stating that they didn't release or report this inaccuracy to the three bureau 's. Now the three bureau 's have stated in there reports they received this information from XXXX XXXX 

I have sent the three bureaus a letter from the bankruptcy courts showing they have never released any information regarding my name to anyone. 

All three are refusing to provide me information or proof that a bankruptcy belongs to me. 
It's not fair that these agency can still report inaccuracy on my report and cost me thousands of dollars. I wanted to complaint against the bureaus

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 2023-01-21
Company: Frontline Asset Strategies, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This XXXX  account was fraudulent from last year and it was deleted and resold again. I had this deleted from my credit with a police report and FTC report and XXXX report. I have never had XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted Truist in XXXX and uploaded documents XX/XX/XXXX. I've received literally no communication since that point at all. I checked the website and it said my loan was de-activated. 

I submitted for re-activation and emailed my representative multiple times with no response. See attached. 

the only reason I'm staying with Truist is the inconvenience of starting over with another company. I hope you can get Truist to process my application and communicate with 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 non-monetary relief
Consumer complaint received 2022-07-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I received a call on XX/XX/XXXX from USAA letting me know that account was hacked and someone had created an external account and transferred funds. They also told me that someone tried to make a transfer to XXXX XXXXXXXX XXXX for {$3500.00} and XXXX XXXX payment for {$900.00} in Fl. I did NOT authorize these transactions. After giving this person my information they hung on me. I called USAA back and later found out that the person who originally called me was one of the scammers. XX/XX/XXXX started the fraud and identity investigation with USAA. I spoke with someone named XXXX on XX/XX/XXXX and he found fraud in MY favor and i was to have all those funds back in 2 to 3 business days. A total of {$3700.00} per XXXX which was a fraud investigotor. I called back on Tuesday XX/XX/XXXX asking where the funds were. Spoke with someone now named XXXX she said she will care for the funds as NO one requested those. I was happy to hear this news. SHe later called me back and said never mind i looked into your account and didn't see a breach I wont get any of those funds and now has locked all access to my account. I have called USAA everyday since XX/XX/XXXX and there has always been a different answer to all my same questions. I spoke with XXXX today a fraud analyst and she told me to call back and dispute the decision which i will be doing. 

i called usaa on XX/XX/1924, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX at least 3 times per day I do not understand why 1 inverstigator can be so understanding and helpful and the next one was so rude, nasty and not helpful. 

ONCE THIS IS FIGURED OUT I WILL NOT BE CUSTOMER ANY LONGER How can USAA treat their customers like this that proudly served their country?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XXXXXXXX XXXX XXXX, a {$9500.00} check for my Chase checking account was stolen in the mail and cashed at XXXXXXXX XXXX XXXXXXXX. I filed a Declaration of Unauthorized Endorsement with Chase, who said they intend to get back to me and recoup my money in 90 days. However the claim failed, for no good reason. I have called both banks countless times. 

I confirmed with XXXX XXXX XXXXXXXX that the root cause of this was that Chase submitted a typo when they submitted the claim. However though Chase has reopened the claim, I see no evidence they've actually fixed the typo or done anything to resolve something that ought to have been resolved almost a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: DISCOVER BANK
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
There was was an over due balance in which i negotiated with there credit company and came in to a negotiation to have completely removed upon the the completion of the negotiatiated amount once i finished paying the agreed amount instead of removing from my credit report they put the closed account as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My cash app account was hacked on XX/XX/XXXX and {$700.00} was stolen from my account. The company dismissed my claim but it was their application that was hacked. They claimed that a known device was used to transfer money from to other people before so that is why they think this transaction is authorized. My phone was stolen on XX/XX/XXXX and I have transferred using cash app since then from a new device so shouldn't their same rationale be applied and they should have questioned transactions from 2 separate devices? THEIR SECURITY IS LACKING AND THEY SIMPLY DO NOT WANT TO BE ACCOUNTABLE. 

I provided cash app with the usernames of the people wo stole my money but they refused to approve my claim or find my money.

Company response to consumer: Closed with explanation