BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-14
Company: HILLTOP HOLDINGS, INC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The check to pay the XXXX mortgage payment to PrimeLending is dated XX/XX/XXXX. I have a copy of the front and back of the check. Since I get paid at the end of the month, I pay my mortgage when I get paid. 

It was 3 weeks into XXXX when I noticed that prime lending hadnt cashed my XXXX mortgage check. I thought maybe the check got lost. I was concerned, so I called PrimeLending and made a payment over the phone. On XX/XX/XXXX, PrimeLending cashed the check and tried to cash my online payment at the same time. There wasnt enough money in the account to cover two mortgage payments in the same month. 

I was told to block the online payment. So I did. Since I have never blocked a payment before, I didnt know that the block would be in place with that company until I removed the block. 

Our XX/XX/XXXX I went down to my bank and I removed the block on PrimeLending. I called PrimeLending and alerted them that I had removed the block. 

I have been in constant contact with PrimeLending. Each time, I have asked them if they were taking notes. They always tell me that they are taking notes. Every time I called PrimeLending, I tell the PrimeLending customer service representative that I want to pay my mortgage and ask them to help me clear up the problem. 

I checked my credit report today XX/XX/2021 and found PrimeLending had posted a delinquent account on my part. When I call PrimeLending, I get the impression that the right hand doesnt know what the left hand is doing in their accounting department. If prime lending had cashed my check in a timely manner, instead of waiting until XX/XX/XXXX, there would be no problem. 

I have tried to talk to representatives from PrimeLending numerous times and to no avail. My credit score dropped significantly due to this error on the part of PrimeLending. 

After hours on the phone, I finally found someone that would help me. My mortgage account is fully up-to-date as of today XX/XX/2021. My loan number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: CITIBANK, N.A.
State: NC
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:
on XX/XX/13 I advised the rep thru online chat I needed to file a dispute. It was from XXXX XXXX. He said he filed the dispute and gave me Ref # XXXX. I went online today and was going to payment another payment on my account and seen the balance was still the same. I spoke to XXXX thru online chat and he said a dispute was never done. gave him the ref # that I was given and he said it would not start like that. He pulled the charge up and said I would need to call the security team. The late payment saying I was 30 days late also needs to be removed from the credit bureaus since Citi never mailed me my statements. I have sent them a copy of the online chat from the XXXX saying it would be removed. I was told from that person and was also told from XXXX which is a supervisor saying it would be removed that it was a banking error. I'm sorry that I even took there credit card. Once this is done I will NEVER do business with CITI AGAIN. When you call this company and speak to different people you get different answers to your questions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft. I filed the correct paperwork per the FCRA. Nothing was done correctly, and the paperwork was not attached to my disputes. And I have not gotten copies of the verification process per the FCRA. 

These are the accounts : XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX Dept of EDXXXX

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 2022-03-27
Company: EQUIFAX, INC.
State: OH
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:
XXXX card Delaware is on my accounts and was closed per report records in XXXX and XX/XX/2022 during dispute on their behalf. It was showing charged off multiple times but still an open account previously. This account needs removed for the inaccuracies and multiple incorrect errors from agencies. This has kept me from moving forward with my business plans and the ability to obtain the funding I need for supplies and proper equipment including transportation and home improvement. Due to this company and its lawyer, XXXX XXXX and XXXX placing a judgement lien on my home I now have had to work so hard to apply for loans with rates that are ridiculously high and will not cover what I need to get started. I am attaching documents for exhibits. I also what to address that I am at a time in my life where my situation has changed over the past several years and attempting to make a better life. However, it is this account that is absolutely in error and requesting to be removed deleted due to the violations of my rights example of identity issues other names, phone numbers, social security number and the accounting is showing only some information with past due amount of 120 days within 30 days when a payment was made on a closed account with a credit limit but its charged off. Can someone explain this? In XXXX and XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Chime Financial Inc
State: NV
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:
On XX/XX/23, I woke up to go to work and tried to check my account online. I was not able to login so I reset my password. Once I was able to access my account I noticed I had 4 Atm withdrawals with four {$2.00} fees I did not authorize and my bank account was drained with - {$12.00} balance. The first withdrawal was made for {$500.00}. The 3 other charges were made for {$400.00}. I only made one withdrawal at XXXX for {$400.00} on XX/XX/23. I checked to see if my debit card was in my possession and it wasnt. I called Chime to dispute the charges. I was told from the representative that I could not dispute the charges if they are still pending. They would have to clear before I can file a dispute. The only thing he could do was cancel my debit card and issue me a new one. I checked the next day to see if the charges cleared and they did. I called Chime to file my claim. I was told I would have to wait 10-45 days for their investigation team to investigate my claim. On XX/XX/23 I got an email from them saying they have concluded their investigation and no error has occurred. I called them again and I asked if they could send me documentation on why my claim was denied. The representative told me she will send the information to this investigation team but it may take 10 days for a reply. She offered to file a rebuttal for my claim as well and I agreed. The next day XX/XX/23 I received an email for their final review and they determined no error has occurred. On XX/XX/23 I received an email for my request of documentation that was used to deny my claim. The email included only the information I provided them via phone call and the charges I disputed. Nothing else. They gave me insufficient evidence and no supporting documents on why my claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: AMERICAN EXPRESS COMPANY
State: MO
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:
I was sitting at work on XX/XX/2023 when I got a notification on my cell phone of a payment for XXXX being approved at a XXXX. I did not authorize nor does anyone have access to my card, in fact the card was in my possession at the time of transaction so I have no idea how this payment was able to be approved. I am not a wealthy person and this was all the money I had in my account leaving me and my XXXX children completely without anything. Immediately after the notification came across my phone I called and disputed it with American Express and XXXX. American Express had failed to properly investigate my dispute not once but twice and declined both disputes. XXXX to this date has not responded to my dispute. I am frustrated, sad and completely out of options..I have been without my funds for a month now and American Express and XXXX has made it clear they do not care that I am a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/2018 I have submit a complaint with the CFPB and the CFPB submit complaint to Experian. On XX/XX/2018 Experian respond to the complaint to the CFPB stating that the account was verified as accurate. In which, clearly the account is not 100 % percent accurate. I also made a dispute with XXXX  and XXXX  about the inaccurate information on my credit report on XX/XX/2018. On XX/XX/2018 XXXX stated that the information on my credit report is verified as accurate. On XX/XX/2018 XXXX stated that the information on my credit report is verified as accurate. However, none of the credit bureaus is 100 % percent accurate or compliant to the FCRA laws. In which, I strongly believe that I have proven and provided enough evidence to this complaint. So, I need this account to be deleted as soon as possible base on the consumer protection law. 

Under the consumer protection law this account is not practicing the Act. And the Acts are Fair Credit Reporting Act, Fair Credit Billing Act, Equal Credit Opportunity Act, Truth and Lending Act, and the Fair Debt Collection Practices Act.

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 2023-03-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
( XXXX ) Check Account # XXXX Check issue date : XX/XX/2023 Check # XXXX Check amount {$8000.00} I deposit this check into my TD bank # XXXX on XX/XX/2023 This is a cashier check for the remaining funds for the account ending # XXXX even though the check is payable to someone else name ( my aunt ) but we have already updated and filed a document for the account beneficiary 100 % under my name. We have contacted the issuing bank and letting discover bank knows thats this check have already deposited under my Td bank and they are aware of that so theres shouldnt have any problems or issues for me depositing this check

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Here is the letter I sent on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 


12. The status is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XX/XX/2022 a judgement was filed against me. Before this all happened I tried to resolve it but got no where they kept leaving threatening messages and everything.. After I said I had no money.. Portfolio recovery. The amount was XXXX they threatened to have it on my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I PURCHASED A XXXX XXXX  XXXX AND WHEN I WENT TO GET INTO THE CAR TO GO HOME WITH THE CAR I NOTICE THE CHECK ENGINE LIGHT WAS ON AND THE DEALER SAID IT WAS PROBABLY DUE TO IT SITTING UP AND THEY HAD JUST PUT GAS INTO THE VEHICLE AND ADVISE ME TO DRIVE IT ABOUT 50-100 MILES AND IT SHOULD CLEAR, I DROVE THE CAR BACK TO XXXX TX FROM XXXX AND THE LIGHT WAS STILL ON SO I BROUGHT THE CAR BACK TO THE DEALER AND THEY KEPT THE CAR UNTIL I CAME BACK FROM OUT OF TOWN WELL WHEN I GOT BACK THE LIGHT WAS STILL ON AFTER THEY TOLD ME IT WAS FIX SO I AGAIN LEFT IT THERE AT THE DEALER TO FIX IT. I WENT BACK TO XXXX TX TO GET THE CAR BACK IN XXXX XXXX AND UPON GETTING IT BACK I ASK FOR THE REPORT OF WHAT WAS WRONG AND IT STATED THAT THE OIL WAS BACKING INTO THE MOTOR SO THEN THE LIGHT WAS OFF. LAST MONTH IN XXXX I WAS DRIVING THE CAR AFTER I GOT BACK FROM OUT OF TOWN AND I GET ON THE HIGHWAY, I CAME TO A RED LIGHT AND AS THE LIGHT CHANGE I GO TO MAKE A LEFT TURN AND THE CAR CUT OFF IN THE MIDDLE OF TRAFFIC SO I CALLED A TOW TRUCK FOR THEM TO COME TOW IT TO XXXX  HERE IN XXXX TX. IT WENT INTO THE SHOP XX/XX/XXXX AND IT STAYED THERE TIL LAST WEEK. COME TO FIND OUT THE MOTOR IS GONE ON THE VEHICLE AND ACCORDING TO THE DEALER/XXXX  THE PRIOR OWNER DIDNT KEEP UP THE UPKEEP ON THE CAR AN THEREFOR IT RESULTED INTO SLUDGE BUILDING UP INTO THE MOTOR. I HAVE CALLED THE DEALER AND TRIED TO SEE WHAT THEY CAN DO TO HELP ME WITH THE INCONVIENCE AND I WAS TOLD THAT ITS NOTHING THEY CAN DO, IVE CALLED THE FINANCE COMPANY THEY TOLD ME THAT I CAN HAVE THE DEALERSHIP UNWIND THE DEAL BEING THAT THEY SOLD ME A LEMON AND I CALLED AND SPOKE WITH THE GM MANAGER XXXX XXXX AND HE TOLD ME HE CANT UNWIND THE DEAL BECAUSE THEY WILL BE LOSING MONEY BUT I HAVE LOST MONEY, TIME, AND A CAR THAT I CANT DRIVE. IVE CALLED THE FINANCE COMPANY AGAIN AND I ASK THEM IF I CAN VOLUNTARY TURN IN THE VEHICLE AND THEY SAID YES BUT IT WILL STILL HIT MY CREDIT AS A REPO. I ASK BOTH THE DEALER AND THE FINANCE COMPANY TO HELP TO SEE WHAT EITHER CAN DO AND BOTH SAID NOTHING. I HAVE GAP, A WARRANTY, AND EXTENDED WARRANTY AND NEITHER WILL HELP OR PAY FOR ANOTHER MOTOR DUE TO THE PREVIOUS OWNER NOT KEEPING UP THE MAINTANCE ON THE VEHICLE. IVED FILED COMPLAINTS AFTER COMPLAINT AND STILL NOT GETTING ANYWHERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-02-17
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:
I received a letter from a collection agency called XXXX XXXX XXXX on XX/XX/XXXX. The letter was dated XX/XX/XXXX. I sent them a letter asking for validation on XX/XX/XXXX. which I will enclose a copy of all correspondence with all parties within the request. The letter was received by them on XX/XX/XXXX via USPS. XXXX XXXX XXXX illegally added this onto my credit report on XX/XX/XXXX. They have not sent me anything in regard to validation. Under the FCRA, it states that the collection agency has to wait a full 30 day period before furnishing information to the credit bureau. They did not. They illegally added it onto my file to damage my credit to get me to pay an unverified debt. I called them and spoke with XXXX XXXX ( A customer service representative ) and XXXX XXXX A manager that did not disclose his last name ) and explained that this was illegal for them to do. I asked them to remove it today and they stated that they do not add or remove accounts. Then XXXX switched up her statement and stated that they never added it to my credit report, however, I have proof that they did. They said they may send a request to delete it from my file, but they did not want to provide me any paperwork disclosing that or confirming their promise. This is hurting my credit rating because I am buying a home which is now causing me to have XXXX and emotional distress. They knew that they illegally sent this over to the credit agencies to scare me into paying for the debt that is not mine. 

I spoke with Experian, and they stated that they did not receive anything from them and advised me to dispute it. I disputed it under Identify theft since I have not been at a medical center in 2019. I spoke with XXXX from Experian at XXXX XXXX  and he did not help at all after I explained that XXXX XXXX systems broke the law. Experian has not followed the FCRA In verifying this information. They did not do anything regarding this illegal 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 non-monetary relief
Consumer complaint received 2022-02-17
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX I sent a validation of debt request Notice pursuant to 15 USC 1692g asking for an audit trail of the alleged debt and for I C System to Cease and Desist collection activity on my consumer report. 
XXXX The Notice was received by I C System Office, and the green return receipt was sent back to 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 explanation