BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXXXXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance Owed : {$330.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$24.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$84.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Owed : {$3600.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX****Balance Owed : {$2300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was affected by Covid 19 pandemic. My XXXX was temporarily closed to follow the City of XXXX XXXX and State of California Covid 19 ordinances. I am facing with financial hardship due to income depending on unemployment benefit. I have asked the CitiBank management to give me time to make payments but CitiBank company ignored and closed my accounts without my acknowledgement. I will get my ppp loan soon, I plan to reopen the business next month. I would like to looking for help in the attached letter.

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 2021-04-13
Company: EQUIFAX, INC.
State: IL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: AmNet ESOP Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We applied for a home loan using agent XXXX XXXX ( license # XXXX ) and were pre-approved. We had a meeting with XXXX and expressed concern that another mortgage lender had denied our loan. He said he personally reviewed our file and there were no concerns. On the day we were supposed to close, XXXX said there were delays due to the other parties involved. We responded promptly to every request from his team in an effort to expedite. During this time XXXX was difficult to reach. Finally 2 days after we were supposed to close, XXXX sent a text at XXXX saying the loan had fallen through because my job was temporary. I had provided a letter from my job from the beginning stating it was temporary employment and nothing had changed. We later learned that this is a common reason people dont get approval for their home loans and likely why we were not approved by the other lender. Meanwhile, we were 2 days past when we were supposed to close on our new house. We had sold our home in XXXX  that we had been living in on the basis of being approved for this loan for our new home in XXXX. We were staying with our toddler and XXXX XXXX at friends house with past due XXXX carrying all of our possessions in their driveway. When we tried to contact XXXX, he was unreachable. Our realtor and the title company could not get ahold of him either. I scrambled to borrow money from family because we were literally homeless. As I arranged a cash deal with the title company on my own, the title agent said that XXXX was the worst loan agent that she had ever worked with in all her years due to lack of communication throughout the whole process. A full day later, after we had figured out everything on our own, XXXX left a voicemail on my cell phone that he had been away from his desk during this time and his team, not him, made mistakes and that this was an opportunity for growth. The term opportunity for growth is not a term you should use when describing a situation in which you did not do the XXXX job you were supposed to do leaving a family literally homeless. When a home loan that you are responsible for is past closing date due to you not doing your job, the last place you should be is away from your desk. XXXX XXXX should be ashamed of himself and should not have a mortgage license.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Last year Citi changed to a new system to handle external account transfers from their savings accounts to their customers local bank. My local bank, which was previously listed as an external account, was not able to be added. As such I am unable to transfer funds to my local bank with this system. I was told that this is a known problem that was occurring with some accounts. I have worked with their tech support for months trying to correct this but they have not been able to fix the problem. I can do a wire transfer but there are fees to do this. I am supposed to be able to transfer up to {$20000.00} monthly with no fees. Today, after working with their tech support and making no progress, I requested that they close my account, transfer the funds to my local bank checking account and cover any related fees. I was transferred to another individual who never picked up the call.

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 2023-05-12
Company: WELLS FARGO & COMPANY
State: FL
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 get my SSI CHECK on the XXXX  of each month but wellsfargo keeps on giving me over draft fees like crazy. I have no beak on this they just dont care. I have no money left for the rest of the month and is not {$34.00} is {$35.00}

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 2022-08-16
Company: Messerli & Kramer P.A.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt ive told them that was in the XXXX  when these purchases happened

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: EQUIFAX, INC.
State: MO
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 should not have XXXX  or the 2 XXXX  XXXX accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: SYNCHRONY FINANCIAL
State: CA
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:
Around XX/XX/XXXX, Purchased some products on aliexpress.com with paypal.com credit card ( synchrony bank ). 


XXXX showed items were being tracked and delivered. And gave tracking number through multiple tracking services. Finally tracked through XXXX to showing delivered at my house on XX/XX/XXXX. This delivery never arrived. 


Around XX/XX/XXXX, Attempted to make claim through XXXX, through a convoluted system that was near impossible to properly dispute the delivery, they then immediately denied the claim. 


Around XX/XX/XXXX : Went to paypal credit to dispute the charges. 


Around XX/XX/XXXX Paypal Credit ( synchrony bank ) denied my claim. I still have no products, and am charged around {$320.00} for no products. 
Around that same time I called and disputed the denial. 


On XX/XX/XXXX I received a notice saying they denied the claim again. 
I still have no products, and am being charged for it. 


They want proof that I have no products, how can I prove that I don't have something!?

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 2019-09-28
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: Their investigation did not fix an error on your report

Complaint:
DISPUTE REASON : EACH CREDIT BUREAU XXXX, EQUIFAX, XXXX ARE REPORTING DIFFERENT DATES FOR THE LAST PAYMENT ACTIVITY ON THIS XXXX CHARGE OFF ACCOUNT ON MY CREDIT REPORT. 

REMOVE THIS ACCOUNT DUE TO THE FACT THAT THERE ARE DIFFERENT DATES LAST ACTIVE REPORTED. HOW CAN THERE BE DIFFERENT DATES WHEN THIS IS WHAT STIPULATES WHEN THE ACCOUNT NATURALLY FALLS OFF? ACCORDING TO THE FCRA YOU CAN NOT REPORT INCORRECT DATES AND IS IN DIRECT VIOLATION OF MY CIVIL RIGHT AND THE NEGATIVE ACCOUNT MUST BE REMOVED DUE TO INACCURACY. I ALSO DO NOT BELIEVE THAT YOU DID AN INVESTIGATION. THAT MEANS THAT YOU MUST PROVE TO ME THAT YOU DID AN INDEPENDENT INVESTIGATION AND DID NOT JUST REPEATED THE SAME UNVERIFIED INFORMATION. IF YOU CAN NOT PROVE TO ME THAT YOU DID A PROPER INVESTIGATION THIS ACCOUNT MUST BE REMOVED IMMEDIATELY AND PERMANENTLY. PLEASE REMOVE THIS UNVERIFIED ACCOUNT UNLESS YOU CAN FURNISH A SIGNED CONTRACT.XXXX reports XX/XX/2014Equifax XX/XX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recently while conducting a monitor of my credit report I discovered that Choice Recovery Inc, # XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Choice Recovery Inc, # XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Spring Oaks Capital, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Notice and Demand to Cease and Desist ALL Collection Activities Prior to Validation of Purported Debt. My identity has been stolen, you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. $ 1028A. 

Privity of contract : a contract that exists only between the parties no third party can enforce or obtain rights contained within a contract or buy or sell a contract without the express permission of the original parties. Defamation of character, violation of Fair Credit Reporting Act ( CFRA ), CONSUMER RIGHTS TO PRIVACY and Fair Credit Reporting Act, Federal Debt Collection Practices Act ( FDC PA ) of multiple state and Federal laws, fraud, aggravated identity theft, Identity theft, extortion, theft by deception, mail fraud, intentional act of fraud and GROSS MISREPRESENTATION. Misrepresentation of a material fact. Fraud, deliberate concealment of material information, fraud is a felony. XXXX XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES! 

15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code- Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Holloway Credit Solutions
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX - original amount {$25000.00} ( approximately, as I have never received a bill ) - I noticed a collection on my credit bureau report for {$1700.00} listed as " original amount '' which is totally untrue. I contacted the reporting collection company by phone sometime in XXXX - they refused to give me details of the account, history, payment information or any other information but continue to report it to the Credit Bureau XXXX XXXX XXXX XXXX My medical insurance company, XXXX, covered and paid them XXXX XXXX XXXX XXXX XXXX, ) approximately {$22000.00} services were for air flight transport from a hospital Emergency Room ( who could not handle my injuries following a major and catastrophic accident I suffered XX/XX/XXXX ) to a different hospital Emergency Room. 
XXXX XXXX XXXX contracts with providers and they are obliged to accept their payment and rate tables as payment in full. My deductible was met prior to the accident of XX/XX/XXXX and prior to these services/charges incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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 am filing a claim because I Placed an order with my XXXX XXXX that is issued by TD Bank. I placed a XXXX Order # XXXX, and the package was lost with XXXX, and then the box was delivered with obvious signs that my box was tampered with. XXXX is refusing to give me a refund on the order because they packaged the XXXX watch  properly. They may have packaged the item correctly, however, my watch was stolen, and what was delivered to my home was a box of paper clips. For the past three weeks, I have asked XXXX to provide me with a waiver for XXXX  or process a claim with them, and they have refused to do so. XXXX has stated that the proper protocol is for them to reimburse me, and then file a claim with them so that they are able to get their money back through XXXX. Or they are able to provide me with a waiver so that I can deal with XXXX  directly. XXXX has stated that I am not their customer. They have a contract with XXXX, and I did not pay for shipping so everything is relying on XXXX to contact them and they have refused. In the meantime, I am a customer that does not have an item that I paid for. I am not offered any protection through my XXXX  Card, and I reached out to TD Bank because they appear on my credit report. I have contacted XXXX  Several times to provide a waiver, but the bottom line my credit card should have some type of protection, and since TD Bank has issued the credit card they should be able to look into it. I called them and they refused to talk to me saying they do not service XXXX Credit Cards anymore, however they are responsible because I got the card through TD Bank, and they are still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: I.Q. DATA INTERNATIONAL, INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I saw this fraudulent debt on my credit report around XX/XX/19. I contacted XXXX, XXXX and XXXX to inform them that this debt was not mine. I filed a complaint with the FTC after reaching out to the name listed on my credit report. When I reached out to IQ Data International, Inc. They informed me that they do not have to prove the debt is valid. I wrote them the letter supplied by the FTC. I submitted the documents requested by the FTC, Federal Trade Commission, to XXXX, XXXX and XXXX. XXXX is refusing to remove this fraudulent debt. This debt is fraudulent due to identity theft. Ive communicated this to XXXX, XXXX and XXXX. XXXX  is the only credit reporting bureau refusing to remove the debt. Ive spoken with XXXX, XXXX, XXXX, XXXX and several others. All to no avail. Theyve treated me unprofessionally and have continued to compromise my credit score to this fraudulent debt. I believe this is personal. I believe the actions of the staff in The Office of Consumer Affairs, at XXXX are intentional, deliberate and malicious. When I call XXXX, I can not speak with any of the representatives. After confirming my identity, I am immediately transferred to The Office of Consumer Affairs where I am treated horribly. The staff play games with the dispute process, open cases, close cases, again and again. Theyve confirmed receipt of the FTC Complaint for fraud due to identity theft and still refuse to remove the fraudulent collections debt from IQ Data International. Their pattern of behavior is unfair, frustrating and tiresome. This fraudulent debt should never have been allowed on my credit report. XXXX is the only Bureau continuing to allow it to remain. I have attached page 1 of more than 10 pages of lawsuits currently filed against I Q Data International.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I am looking to fix the errors on my reports. There is information that is reporting that has been removed from my credit profile. But these accounts are now reappearing back on my credit. 
There is a list of accounts that I am not aware of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts are reporting incorrectly late payments. Please validate the payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Requesting disclosure of full investigation 15 u.s.c 1681d My primary email should stay the same on my account.

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 2021-02-13
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had an initial mortgage with loan care ( see prior CFPB complaint ) that was finally refinanced after 7 months. I completed the closing and brought the XXXX dollars they said I needed to " catch up the escrow ''. The home that was refinanced was sold on XX/XX/2021. The closing has been pushed three times due to Lakeview not providing pay off, and payment information. The closing is now on hold because lakeview didn't pay the taxes from the escrow at the refinance. After a week of phone calls I was informed with the real estate attorney who is doing the closing for the buyer that Lakeview took the escrow funds for themselves as closing costs, plus the XXXX they had me to bring to the closing. 
The real estate attorney says there is something very fishy about this as there was no appraisal or appraisal costs and that from the documents I have the taxes are listed as an expense and not one to XXXX. No one was able to say what over XXXX was spent on. He also informed me that they can not just reallocate escrow to themselves. If the escrowed amount is to be used as intended. At this point the initial XXXX in taxes is now XXXX due to late fees and interest. The taxes must be paid for the sell to go thru as the contract can not be extended again.

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