BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
Company: CITIBANK, N.A.
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:
On XX/XX/ 2022 I used my Citi Dividend Card to make a purchase from XXXX XXXX for a backordered item and was told it would ship in 6-8 weeks. On XX/XX/XXXX I began reaching out to XXXX  via email, their online chat service, XXXX XXXX and left 2 different voicemails on XX/XX/XXXX and XX/XX/XXXX. Nobody returned any calls, messages, emails, to respond to the status of my order. On XX/XX/XXXX I checked and the XXXX XXXX website was no longer working so I filed a dispute of the charge with my credit card company and explained I tried to contact the vendor but was unable to reach them to either receive an update or cancel my order and had not received the product. On XX/XX/XXXX they indicated they notified the company and that the company had 90 days to respond. On XX/XX/XXXX they rejected my dispute because they received information from the company that I made the purchase. I replied to the letter with additional attachments agreeing I made the purchase but that had not received the product and could not get ahold of the company and disputed the charge because I still did not have the product. On XX/XX/XXXX they " resolved '' my additional documentation by again rejecting my response and stating that I listed the incorrect reason for my dispute and therefore forfeited my rights to the dispute. I called and explained that my dispute didn't match any of their preset options so I picked one I thought was closest and that my selection did not change the fact that I did not receive the product and that they were supposed to protect me from this kind of fraud. They re-opened my dispute on XX/XX/XXXX then again sent a letter on XX/XX/XXXX rejecting it for lack of attachments that were provided to them on XX/XX/XXXX. I again called and they agreed to again review the details on XX/XX/XXXX. Since that call I have not received any additional responses or updates on my dispute claim, which has now been ongoing for over 4.5 months despite multiple calls, emails, and providing as much detail and supporting documentation as I have available to prove I have not received my purchase and reject the charge associated with the product not provided. I've attached the initial email from citi acknowledging the dispute and the email I sent with additional attachments but can provide all letters if needed.

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 2019-01-22
Company: TJC Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage loan with XXXX XXXX XXXX through TJC Mortgage, Inc. back in XX/XX/2018 with Pre-Approval letter date on XX/XX/2018. My realtor got a Binding Contract on a property on XX/XX/2018 with contingency period on XX/XX/2018 and closing date on XX/XX/2018. All this information was emailed and received by XXXX on XX/XX/2018, so he was aware of the dates and the Earnest Money amount. On that same week, I gave the Earnest Money check to the seller for {$1800.00}. On the XXXX, he sent me the Loan Application and I e-signed it. The home got inspected on the XXXX as well for {$390.00}. Then he emailed me an Appraisal Payment Form from TJC Mortgage for {$470.00} on the XXXX, and I paid it. On the XXXX, XXXX sent me an email requesting additional documentation to finish up preparing the file for underwriting. I immediately sent him everything that he requested. I noticed he was already struggling with his underwriting team to get a final approval because part of my income is based on commission. Something I had initially discussed with him. Completely unaware of the Contingency Date ( XX/XX/2018 ),  XXXX started to ask for different documents to get a final approval from his underwriting on XX/XX/2018. Instead of given me a final decision on the Mortgage Loan before the  Contingency Date so I could at least get my earnest money check back, he went on trying different things to get it approved until finally deciding they could not get me approved on XX/XX/2018, only 3 days before the closing date ( XX/XX/2018 ). At that point I had already spent {$2700.00} and could not get the earnest money back from the seller. I was very disappointed and tried to get in contact with XXXX a few times to see if he could at least reimburse me for some of the expenses, but he ignored my emails and calls. He was extremely negligent in not getting things done on time, and not being upfront with me since the beginning. Besides losing {$2700.00}, I also had to pay a fee to stay at my current apartment and ended up spending on other extra expenses as well because of his negligence and irresponsibility. It was the worst experience possible trying to purchase my first home. What kind of Mortgage company gives you a final approval decision on a loan only 3 days before the closing date? I hope this complaint helps other people thinking about doing business with XXXX XXXX and TJC Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Diversified Adjustment Service, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
on XX/XX/2023, I received a notification from my credit monitoring agency that someone added a collection account to my credit file, so I logged in and discovered it was a company that I had no previous communication with or have never been contacted by previously offering dispute nor payment options if I indeed owed the debt. 

on XX/XX/2023, I sent the company a certified letter asking for validation as well as asking why I wasn't offered an opportunity to verify this debt before placing this debt onto my credit file. 

on XX/XX/2023, I received a letter and a statement from this company stating that this was validation, and on the back of this letter offering a place to add my payment information to pay this company that I still do not recognize. 

on XXXX XXXX, I sent the company a certified letter stating that this still isn't significant information linking me to this debt & also stating that I should have been properly advised of my rights to validate this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, 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:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19
Company: Shellpoint Partners, LLC
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My mortgage company is refusing to update my credit file as it has not been updated since XXXX  of this year. I have called on 6 seperate times over the last two months as I am trying to buy a car and I have brought my account current. I was told repeatedly that they refuse to honor my request and they have updated it. When I point out to them that that the last update was XXXX they refuse to pass me to anyone else because no one will tell you anything different.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed chapter XXXX Bankruptcy in XX/XX/XXXX and received discharge XX/XX/XXXX. One of the debts discharged on that date was Macy 's Department Store. XX/XX/XXXX it was placed for collection with XXXX XXXX. 
I've reached out to them and all 3 credit bureaus and submitted supporting documents to no avail. On XX/XX/XXXX XXXX I received mail from XXXX  verifying the account as accurate and updated. How can it be accurate If a judge in a court of law ordered it discharged and no representative from Macy 's or anywhere else showed up to contest it? This is reflecting negative on my credit reports and I'd like it removed promptly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is a response with the complaint that was filed on XX/XX/22. The Bureau stated Account Name and Account number was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 

They also violated my rights under 15 U.S.C 1691 Section 604 A Section 2 : They law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C. 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 U.S.C. 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified, they consumer reporting shall promptly delete the information from the file of the consumer.

This also violates the statue of limitations - Fair Credit Reporting Act - 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] I have included the supporting evidence with the discrepancies circled. The credit report with the date of XX/XX/22 was submitted initially. The report dated on XX/XX/22 shows there are still discrepancies and even thought the stated they verified and updated. They did not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2023-07-20
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was stolen and multiple transactions were made. I contacted The Branch bank and trust they denied my dispute and i called the merchants some of them sent me signed receipts and some didnt not and advised me to file a chargeback with bank. I have police report and my bank still denied my claims.

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 2023-05-30
Company: Nelson Cruz & Associates LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls from the same number every day, and they leave a voice mail, and it's the same pre-recorded voice mail, saying " This is a very urgent and time sensitive message please kindly return our call using the number on your caller ID as soon as possible to be connected with a live representative who made better assist you again please return our call at your earliest convenience thank you and have a wonderful day '' The voice mail never mentions who the caller is or what company they're from. Today, on XX/XX/2023, they called twice with the same message as usual, at XXXX and at XXXX, and they won't leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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 am XXXX  that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
following up for pervious complaint XXXX and XXXX I submitted this complaint on XX/XX/2023 to provide the XXXX  message XXXX XXXX has sent to USAA bank regarding the fraud transactions XXXX However as of today USAA bank didn't response to XXXX XXXX via XXXX and not response to the case XXXX. 

I've visited XXXX XXXX XXXX today to discuss with their fraud team. As of today, USAA still not responding to XXXX XXXX XXXX messages. I provided the pervious response ( CFPB complaint XXXX ) from USAA requesting XXXX XXXX to contact them via email or fax, XXXX XXXX XXXX XXXX can only communicate with other banks with XXXX XXXX  message. They can not contact USAA bank via email nor fax because it's not regulated channel of communication. They reconfirm me, XXXX channel message is the only acceptable channel between banks regarding payment issue. Therefore USAA must response to XXXX XXXX via XXXX channel. If USAA needs any kind of agreement it's also on USAA bank to raise such request thro the XXXX channel. It's not possible for an individual like me to instruct a bank to issue hold harmless agreement to another bank. One more point XXXX XXXX point out to me, if the fund is still available ( as per to case XXXX USAA bank response XXXX they can not locate the account that I sent money to ) they should return the fund without asking for any " hold harmless agreement ''. 

I demand USAA to response to XXXX XXXX via the XXXX channel to start the communication immediately. If USAA continue to ignore messages sent through regulated communication channel but asking for outside, unregulated communication, I'll escalate the complaint to Regulator via Federal Reserve to investigate on any non-compliance process within USAA, and I reserve the right to pursue legal action to claim any interest loss and phycological injury occurred during USAA bank delay in response of my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home caught fire XX/XX/17 and the insurance company paid for the fire the insurance put the check in my name and the mortgage company name, I am 85 % done with repairs SPS is holding on to the reminder of the funds and I cant get done with my property until they release the reminder of the funds, they are tying to keep the balance. but with out the reminder I cant finish the property repairs. they are even trying to get the inspector to lie and say things that are not true they are stealing my funds, I have filed before and your agency is not helpful, you need to make them show proof of them no releaseing the balance of my funds in the matter. I need for the management of your company to follow through on this matter. because they are stealing my insurance money so I cant finish my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: M&T BANK CORPORATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint is for Wilmington trust. It is so demanded that Wilmington trust for validation of debt and all commercial matters in accou d # XXXX in accordance to ( U.C.C. 3-402 ) ( b ) I need to see that generally accepted accounting principles ( GAAP ) is being followed. This company is stating that I borrowed cash from their organization.I must see the contract that allows this company to collect this alleged debt on the behalf of XXXX XXXX XXXX XXXX account but most importantly the booking entries with General Ledger. With this company refusing to release this information.The following account # XXXX must be validated this company is required under oath to show me validation for the debt by a certified public accountant ( CPA ), they have 10 days to give me the bookkeeping entries from a ( CPA ) Or this order will be in force and I will request that these book entries be seized under the 1917 trading with the enemy act. Requesting to see entries under UCC 3-302 adequate assurance of due performance.and requesting entries under UCC 2-609 for the sale and purchase. See the attachments as to company still not complying with my orders.Nothing is Certified by a CPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2023-05-30
Company: EQUIFAX, 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:
On XX/XX/2023 I sent out several disputes to equifax and I never received any response up to and even after the 30 day period alloted for them to reply. On XX/XX/2023 I sent out another dispute asking them to remove the negative items because they are inaccurate and because of the fact I never received any response for them. On Today, XX/XX/2023 I havent received any response back for XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, or XXXX XXXX XXXX This is incorrect and needs to be removed from my credit file. Its clear that they are being negligent on purpose. Its been over 60 days at this point that I have received a response for the accounts mentioned above. All correspondence I sent to them will be included.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Bull City Financial Solutions, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and noticed that a debt collector which goes by Bull City Financial was reporting and trying to collect on a debt that I had no knowledge about in return I contacted the original creditor which is XXXX XXXX with the information that Bull City was reporting ( i.e dates account was opened, amount and date of deliquency ) and was told there was no outstanding past due accounts. I than contacted Bull City to get verification/validation of debt and have never received any correspondence than shows proof this debt is mine nor have I received any form of documentation. I also filed a complaint with the XXXX XXXX hopes to getting this resolved and again received nothing.

Company response to consumer: Closed with explanation