BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-02
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019, my sister XXXX XXXX XXXX, sent a telegraphic transfer for {$20000.00}, from her Citibank LA account # XXXX to me, XXXX XXXX XXXX, into my US dollar account in XXXX XXXX XXXX with account number # XXXX. We also provided the banks XXXX code XXXX The Telegraphic Transfers reference number is # XXXX for which she paid {$45.00} for the transfer. The Bankers code is : XXXX, XXXX The transfer was supposed to be made available to me on or before XX/XX/2019 however, to this day ( XXXX ) I still don't have the funds! 

I provided my bank with the confirmation and followed up but they were also surprised that the funds have not been remitted. They claim that there was a problem with the way the money was sent. It was allegedly sent in XXXX when it should have been sent in dollars. 

My sister complained to the bank but they said as far as they are concerned the money has been remitted to Citibank XXXX. We argued that we have not received the funds but they are unable to tell us where the money is and how it will be resolved. Furthermore, they also said that the investigation will take up to 90 days! 

I can't believe that this can happen! I desperately need my money and the bank that messed this transfer is not forthcoming with a solution. 

How can this happen??? This should be investigated. Who will pay for the interest payments that I am now charged for missing my payments? 

I hope you can look into this and help me recover my money. 


XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
checking my credit file I noticed a lot of invalid information on my credit report with Equifax. I am interested in disputing all inaccurate information to help clear my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax website will not take my information. I have verified myself several times in calling them, and they tell me they will fix it but the phone continues to hang up. they transfer me and I have to verify myself again, still no luck. They tell me to call back the website is experiencing issues but still no help. ticket number XXXX on the phone with help desk, I've uploaded my documents to them but no luck as of today. I'm afraid they are giving me the run around and not helping me as the customer. NOTHING IS WORKING. It has been 6 months. you guys closed my complaint, with a response telling me to register on the website. but no luck. I'M STILL GETTING ERROR CODE " NH '' CALL CUSTOMER CARE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I discovered that my Mortgage Company never processed my XXXX XXXX payment. I have verification from the mortgage company app stating that the payment was scheduled for XX/XX/XXXX. Because of this error by the mortgage company, they have added late fees, and reported this to the credit agencies; resulting in a XXXX loss on my credit score. I faxed a letter to the mortgage company on XX/XX/XXXX explaining that this was no fault of mine, it's their fault. I have also NEVER been late on my mortgage payments in the past. Carrington Mortgage Company seems unwilling to work with me to make right of this situation. I also received a certified letter in the mail today stating that I am in default and if a payment is not received, they will start foreclosure proceedings. This is absolutely absurd that a hard working, tax paying, American citizen can be treated like this by a mortgage company. I would appreciate advise on how to proceed as soon as possible. 

XXXX XXXX XXXX Mortgage Company : Carrington Mortgage Services LLC XXXX XXXX XXXX XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I purchase a ticket for my daughter to be with her sister on XXXX day. The bank Chase sent a fraud notice to my cell phone. I responded it was my purchase. They responded it was taken care of and no further actions needed. When I arrived at the airport with my daughter at XXXX on XXXX day, the teller told us Chase did not pay for her ticket. I had to speak to several supervisors at XXXX XXXX before anyone could help her. They did get her on a XXXX flight by opening up a seat. But this mistake by chase not paying for her ticket cost me {$210.00}. I call them and spoke to several supervisors in several departments to no avail. This is what I need to do to get any response from Chase. I spent over 2hours on the phone and 4 hours in the airport due to their lack of communication with me. No call no email no text.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-09
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I contacted Midland funding because of a debt that i saw on my credit report and they claimed that it is from XXXX and i informed them of the fact that i have never had an account with this merchant in my life and i demanded proof of debt or for them to remove from my credit if they could not find it. i also mentioned that i was prepared to take legal action they they did not reply or fix this error and they replied saying that they needed my lawyer contact information and they will speak to them. after that i sent out another letter to them explaining that my lawyer is not the issue and that they are the issue and that they have now violated my right and they have not provied proof but but they continue to report false debt on my credit and i demanded that they fix it immediately or provide my with proof of this report. it has been almost 2 months and they have not replied to my last letter or have they removed this false report from my credit. i sent them a return receipt enveloped and i track the package and it was delivered to them since XXXX XXXX they continue to ignore me and have not responded or removed this false report from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: EQUIFAX, 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 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}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-12-28
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was in the process of purchasing a home using FHA financing. The deal fell through due to me not being financially qualified. The appraisal that I paid for can be transferred and purchased from me by a new lender according to FHA guidelines. The lender that I used has sold the appraisal to a new buyer and refuses to refund me for the appraisal. They said because the deal did not close I am not entitled to a FHA refund appraisal. I know that this is not true since the FHA does transfer appraisal to new buyer and old buyer gets a refund from the lender. The people at PRMG mortgage refuse to send me a refund for the appraisal that they transferred to the new buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Navient Solutions, LLC.
State: GA
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:
First of all, I received information in the mail from all 3 agencies, which I will share with the CFPB. As Navient student loan servicer and credit agencies are placing negative information my credit report it's still not corrected as complained weeks ago. Here is the reference numbers : XXXX # XXXX ; Navient # XXXX ; XXXX # XXXX. 

XXXX ( File Number XXXX ) - Has stated history was updated and " Paid or as Agreed '', but I was 120 days late in XX/XX/XXXX-XX/XX/XXXX. Navient did not have this account then and I completed a " rehabilitation program '' in XXXX that removed all " NEGATIVE INFORMATION '' off my credit report. They have placed that information back on there and I can show you years of credit reports without the information reported and I have the rehabilitation paperwork! 

All Sally Mae account were removed now reinserted. 

XXXX ( File Number # XXXX ) Is stating the Navient account will become positive in XX/XX/XXXX as they are reporting negative to information stating I'm " CURRENTLY LATE AS OF LAST MONTH '' Again Navient is the only account reporting this information. In addition ; XXXX is report addressed I have never live at : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXXXXXX XXXX , XXXX XXXX ( File Number # XXXX ) - Is reporting account " NEVER LATE ''. Which correct is correct Like I mentioned before I'm in the process of buying a house and under contract. This I can not obtain my house due to incorrect information I'm filing all law suit on ALL PARITES INVOLVED! I have been in contact with the person that sued XXXX for million because they would not correct someone credit report. I close on the XX/XX/XXXX and I expect this be resolved. If not I have supporting paperwork to address the issue. 

PLEASE REMOVE NAGAITVE INOFORMATION ASAP AND REMOVE INCORRECT ADDRESSES OF MY CRDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. 

Account name : XXXX. Account # XXXX Account name : XXXX Account # : XXXX Account name : XXXX  XXXX Account # XXXX Account name : XXXX  XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX  XXXX Account # XXXX Account name XXXX XXXX Account XXXX XXXX Account name : XXXX  Account # XXXX Account XXXX : XXXX Account # XXXX Account name : XXXX XXXX  Account # 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 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 2020-12-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
XXXX 's client XXXX XXXX is a victim of ID theft. His information was used without his consent to apply for an account with CBNA/Best Buy. An account with CBNA Best Buy was estaliblished and charged for {$4300.00} dollars. This was done without the consent of XXXX XXXXXXXX. An official dispute of this information was submitted to CBNA/Best Buy fraud department XX/XX/XXXX ; however as of this date CBNA/Best Buy has failed to provide an update of the investigation and they have continued to report the account to XXXX XXXX 's XXXX  credit report. In addition an official dispute of the CBNA/Best Buy account was submitted to XXXX ; the address associated with the fraudulent account was also reported to XXXX  however, as of this morning XX/XX/XXXX " XXXX '' a representative with XXXX confirmed with my client, XXXX XXXX the fraudulent address and CBNA/Best Buy information was not being removed. 
Both XXXX  and CBNA/Best Buy are in violation of FCRA and have violated my client 's federal consumer rights.

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 2023-09-24
Company: Experian Information Solutions Inc.
State: CA
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:
To whom it may concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately. 
Below is a summary of the data in which I am challenging :

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 2022-10-22
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 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 Balance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX : {$1300.00}

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 2018-10-17
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I cut a check for a vendor by using my on line Chase Bank Business checking payment. The moment I wrote the check out, Chase Bank removed the money from my bank account. Chase Banks ' check for the vednor had the correct. The vendor waited everyday for the check to arrive. The Chase Bank Check never arrived. Now I am forced to pay an interested on the late money and pay the full amount of the check. The money is somewhere in The Chase Bank. When I contacted Chase to address this problem. I was advised to cancel the so check and that the money would be put back into my Chase Bank Business account. When I called Chase Bank an unprofessional woman and rough women spoke to me on the phone. The unprofessional and rough Chase Bank Representative informed, that in now way was Chase Bank, responsible to pay the late fee and that I would have to wait at 5 day before Chase put the money back into my account. When I called another person at Chase Bank regarding this issue he told me that Chase would pay the late fee and the money would be back in my account within 24 hours. 
At this point, Chase Bank has still not put my money back in my Chase Bank account. I am responsible for the payment to the vendor and a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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  ( Original Creditor : 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 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 2020-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
Capital One XX/XX/2020 stated in letter on XX/XX/2020 they ran credit with XXXX in which i did not request no credit increase nor call or sign any thing with Capital One Bank requesting a credit increase in which appears on my inquiry page of credit ran with out my permission. Capital one has done a very deceptive thing regarding me and saying i ask for credit increase. 
I'm also filing a complaint with the US Attorney office regarding this matter.

Company response to consumer: Closed with explanation