BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-10
Company: Ability Recovery Services, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called the company to try and get more information about the debt because I felt that this debt had been paid through a Federal Student Loan. The account manager, XXXX XXXX, felt differently. She was very hostile, raising her voice and insisting that she was not removing it from my credit report. I advised her I made the dispute through XXXX XXXX because of this reason and she flew off the handle. I asked her to not be so hostile, that it wasnt necessary and she insisted that she wasnt. However, when she continued to accuse me of trying to not pay the debt and I kept trying to explain that, I am just trying to get more information, she agreed that now she is getting hostile because she doesnt need to hear me say it one more time. I told her, at XXXX months XXXX, I dont need to be treated this way or be yelled at in such manner and she continued to tell me she wasnt going to sit on the phone because I am XXXX and she doesnt want anything to happen because of her. Overall, she said shed send me a letter from the school certifying the debt, which if she had been kinder and more forward about that from the start, it would have been what I was asking for. I dont think this behaviour is acceptable or productive.

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 2022-10-14
Company: Chime Financial Inc
State: IL
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:
My card was used on XX/XX/22 for {$95.00} for a website called XXXX XXXX. I did not make this transaction so I called CHIME banking and the woman told me I had to wait for the transaction to no longer be pending to file a dispute. While on the phone they tried to use it again for {$230.00} but i locked the card so it didnt do through. The lady then helped me cancel and order new card. Few days later I put in dispute and get an email back saying no error was found so I will not be credited back. I called today ( XX/XX/22 ) and lady said unless I have new Information I can not make another claim and the first one I made will remain closed. I have emailed XXXX XXXX as well the same day it happened and today and I have not received an email yet so Im stuck with no clue on how to get this settled..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Experian Information Solutions 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:
According to state revised code : The XXXX XXXX account in this complaint is a business account and should not be on my personal credit report. I'm requesting assistance with helping the credit bureaus resolve and remove the account in question within 30 days.

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 2023-07-08
Company: GOLDMAN SACHS BANK USA
State: MA
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/23 I ordered XXXX pair of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ' in size XXXX XXXX XXXX  for a total of {$1800.00}, from XXXX. I used my Apple Card from Goldman Sachs Bank. XXXX is an online marketplace. I never received the sneakers, they still have not been delivered. XXXX sent them via XXXX  XXXX with special handling instructions " Direct signature required ''. XXXX XXXX claims XXXX signed for the package. My name is XXXX XXXX XXXX, I do not know a XXXX. The signature they have on file is fraudelent, it does not match my signature or my XXXX XXXX the only XXXX people who reside at my home capable of a signature. Both my XXXX and I were not home at the time of the alleged signature and delivery. I filed a police report with the XXXX police, a signed affadavit from my XXXX  and I and a copy of my drivers license. I provided all of this to Apple Card along with numerous emails back and forth with the merchant, XXXX. Apple Card is failing to look at the facts of all the evidence pertaining to the dispute. Instead of working for me to help resolve the fact that I am being charged for merchandise I never received, Apple continues to ignore the overwhelming supporting documentation I have provided. Multiple supervisors from Apple have agreed with me that I should not be held responsible for the charge given all the information I have provided but I am then told a " different department '' handles these disputes and they have no control. These discussions are recorded by Apple, so it is possible to obtain them as evidence that Apple continues to tell me the charge should not stand. The merchant, XXXX only responded once, XX/XX/23, to Apple out of the XXXX times I have had to reopen the claim. It should be noted that Apple Card representatives/supervisors continue to suggest I reopen the dispute. I went through their response to the dispute and disproved their entire claim and emailed my rebuttal to Apple Card. Apple 's " different department '' still ignores the facts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-25
Company: TIDEWATER FINANCE COMPANY, INC.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made my payment to Tidewater Finance Company ( acct ending in XXXX ) on XX/XX/XXXX thru my XXXX bill pay app for {$540.00} which was the amount due by the XXXX of the month. The payment was not processed or accepted by Tidewater Finance until XX/XX/XXXX. That is 8 days after the payment was made and 4 days past my due date. The confirmation number for this transaction using my checking account is : XXXX. I have screen-shots of this to prove my case if needed. This is not the first time that this company has done this and that is why I knew to take the screenshots of the payments being made. The customer service representatives are hateful and disrespectful when you call and try to resolve the issue and refuse to assist you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I paid or should I say I am paying Lexington Lawfirm which is an agency that helps repair your credit, so my credit score is at XXXX from XXXX dropped a lot due to errors, and comments on my credit history remarks. I went through a major crisis during covid 19 which affected me and my credit cards at the time entirely I wrote to these credit cards business and informed them of the circumstances and they ignored me showed no remorse and never took me into consideration and closed them. My credit score dropped XXXX points and as if that is nothing I have been with Lexington Law for about 3 months now and my credit score dropped another XXXX points. I feel like I am being dropped. Is this possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Westlake Services, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are inquiries on my report from these companies that I do not recognize or have open or closed accounts with

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 2022-11-14
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently submitted a complaint request with your organization and attempts to seek further input and and/or resolve regarding my loss mitigation application. In addition to such I had sought your support in finding out the status as this company continues to suggest that they do not have nor can they verify any application on file. This is concerning as XXXX  made repeated attempts to find out the status and this company has not provided a response to such. During my last complaint the company provided a reply about another line of action however, failed to respond to my inquiry regarding my mitigation application.

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 2020-01-10
Company: CITIBANK, N.A.
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019 Citibank converted a hold that the XXXX placed on my account to a charge. I did not pay for my stay with my Citicard. I only used it to hold the room. The hotel comped one night of the stay. My mother paid for the remaining balance of the stay with her credit card.

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 2019-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have tried twice to correct a major error on my credit report. The information first came from lending tree, who claims the information comes from Trans Union. I have twice contacted lending tree to dispute this, and they say that they have verified the information which is impossible. I have never had student loans, as my education was paid for at the time I attended college and grad school which was XXXX through XXXX. If they truly tried to verify that they would find that my Social Security number or any information about myself does not match. They claim the loan was taken in XXXX, at which time I lived in Florida. Please try to help me with this, as they keep telling me its been verified. 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 2022-11-14
Company: EQUIFAX, INC.
State: MI
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was billed for items from Bloomingdales that I never received. I have contacted them many times by phone, and every time they tell me they are going to refund my account and check back with me in 48 hours. They never call back and never refund me. This has been going on since XX/XX/XXXX. They are now charging me late fees on my card! It is a getting to be very stressful. On the website it says they refunded me but they really have not because if they had my balance would be XXXX Now it is affecting my credit score. They have many complaints about how they treat costumers, I will never order anything from them again It was my first time and last!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-11-14
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: Investigation took more than 30 days

Complaint:
XXXX XXXX has done everything since suing me and having to withdraw it. I have no taxable income so they couldn't get any money out of me after I lost everything going into forced retirement. This is yet another violation. These XXXX XXXX XXXX XXXX, XXXX with a balance of {$8300.00} and another card with a balance of {$3400.00} are both charged off accounts. This is inaccurate reporting. Secondly, both are reporting as " open '' on my Equifax report and on my XXXX report. Both are violations of my rights. THIS INVESTIGATION HAS TAKEN LONGER THAN 30 DAYS!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am the person making this complaint & I give CFPB authority to investigate this claim. After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX XXXX XXXXXXXX XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2022-10-14
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:
Ask company to investigate account to make sure is everything 100 % accurate and correct according to FCRA. Company is still reporting inaccurate information harming my credit. 
Account name : XXXX Account number : XXXX XXXX  ) XXXX, ( equifax XXXX XXXX, Is this the same account? 

1, In XXXXXXXX XXXX XXXXXXXX reported ok ( paid ), but in XXXXXXXX XXXX Equifax reported the date of 1st delinquency. Which bureau is 100 % accurate? 

2. In XXXXXXXX XXXX XXXXXXXX reported ok ( paid ), but in XXXX, XXXX  Equifax reported 30 days late. Which bureau is100 % accurate? 

3. In XXXX, XXXX and XXXXXXXX XXXX XXXXXXXX reported paid ( ok ), but Equifax reported in XXXXXXXX XXXX  was the last payment made. Which bureau is 100 % accurate?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home mortgage was recently transferred to Newrez. I received an email inviting me to create an online account so I could manage my mortgage. My first attempt to create an account appeared to fail. During my second attempt I received a message that I already had an account instructing me to sign in. The site did not recognize the password I had created. When I attempted to reset my password, I was directed to XXXX XXXX XXXX. I called Newrez. They told me XXXX is a related company but were unable to explain what happened or resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX  {$16000.00}.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2020-01-10
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Switched companies and the new company XXXX had a buyout program. All forms was submitted and received to ( Diversified Consultant ) XXXX that is claiming i owe a debt. It is not my debt. I dont owe any money to this company. I have disputed this numerous times and it keeps coming back up. I still have documents pertaining to the buyout in which i believe was year 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account was restricted due to business funds being deposited in a personal account however the fund are verified funds. After providing verification of funds capital one bank continues to restrict my account. Proof of business attached hereto.

Company response to consumer: Closed with explanation