BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that 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 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 alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 I recently bought a car and the dealership was excessively pulling my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I am a victim of identity thief. Ive submited a FTC report and a CFPB report over 30days ago. The law says FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency Its been past four business days clearly and conspicuously. I demand you block the folowing : 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

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 2023-04-19
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23, I opened a new checking and savings account with Citibank. I was informed by Citibank via email that my debit card should arrive by XX/XX/23. But I never received my debit card. 
On the morning of XX/XX/23, I saw a fraud alert from Citibank stating that there was suspicious activity on my Citibank Debit Card. I immediately reported that I did not recognize the activity and logged into my online banking account to investigate further. I discovered that {$1000.00} had been withdrawn from my checking account without my authorization. 
I immediately called Citibank to report the fraudulent activity and inform them that I had never received my debit card. Citibank assured me that I did not need to worry and that they would refund me within 10 days. However, on XX/XX/23, I called Citibank back to inquire about the status of my refund, and they informed me that my claim had been denied because the transaction was authorized. 
I then appealed the decision multiple times, providing information such as the fact that I never received my debit card, that I had filed a police report, and that it was their mistake because a Citibank customer service representative had unlocked my card right before the fraudulent activity occurred. Despite my appeals and attempts to provide evidence, Citibank continued to deny my claim. 
As of XX/XX/23, Citibank still refused to admit its mistake and provide me with a refund for the {$1000.00} that was wrongfully taken from 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 2022-04-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Spoke XXXX XXXX @ XXXX on XXXX. She is doing an escrow analysis and will get back w me in a day or 2 after completed. Informed her that there will be a shortage, not to increase payments above what was previous, I would catch the account back up. Also told her to apply extra payments to escrow as it was applied to principal. Payment was sent and the difference was supposed to be applied to escrow - This still hasn't been done as of XXXX Received a voicemail from XXXX to call back. Spoke w XXXX at XXXX on XXXX. Made a payment of {$1300.00}. {$480.00} is needed to catch the escrow account up by XXXX for property taxes. Sent payment to escrow and changed monthly payment to be corrected. - Payment received and STILL showing a negative balance in the escrow account. Even after our conversation and payment was sent! Still showing a negative balance ... Looks like it was applied to principal. No one EVER fulfills what they say they are going to do when I speak to this company...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
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: Information belongs to someone else

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : XXXX XXXX XXXX XXXX XXXX. XXXX Child Support 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 2022-09-17
Company: JPMORGAN CHASE & CO.
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 recently spoke with Chase and Settled an account where it was stated the account will be reported as a XXXX balance and settled for full or lesser than the full balance. However that has not occurred yet and Chase actually simply reported the Settled payment amount and removed it from the total balance. The account has not been changed to {$0.00} and has not been reported as settled for equal or lesser than the full balance. I also have not received the letter stating this however this was discussed on a recorded call as chase stated the call was being recorded. I dont understand why the payment was reported to the credit bureaus instead of the account just changing to {$0.00} and settled as it was stated on the phone. Additionally,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I make minimum auto payment when I travelled in XXXX, XXXX, to my suprisse TCF Bank does not activate the auto pay, and I was charge illegal late fees for XXXX, XXXX, which affect my credit. 
I do not have late fees history before.

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 monetary relief
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/corporation making the report is NOT included on the consumer reports. Transunion is reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of metro 2 compliance. PROVIDE me with the metro 2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from consumer reports effective immediately. BEFORE you think you can reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. SOME of the negative accounts have been placed in collection/charge-off status WITHOUT mailing me a copy of the internal revenue service form 1099-C cancellation of debt. TransUnion and the creditors reporting collections/charge-offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC 6050P Returns Relating to the cancellation of indebtedness By certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Informational Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against All entities involved

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 2023-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX, my father passed away and had an IRA, brokerage account, and XXXX account with Merrill Lynch. It took me over XXXX calls and emails with Merrill Lynch to finally get the IRA transferred into my mom 's account. She was the beneficiary of my father 's IRA account. There were numerous different advisors who were assigned to my father 's account. I would call Merrill Lynch and be on hold for extended periods ( I had several calls were I was on hold for XXXX hours ). The advisors were not very responsive and when I did contact them, I was usually dealing with another person. During the process, Merrill Lynch had an internal policy that Letters of Testament and other documents needed to be submitted within 60 days and if not, the same documents needed to be resubmitted. Some of these documents were from the courts and/or needed to be notarized. This policy was not clearly communicated. The Letters of Testament was submitted to Merrill Lynch approximately 65 days after receiving it from the court and they wanted me to go back to the court and get another Letters indicating that I was the executor of my father 's Last Will and Estate. 

Finally, in XXXX XXXX ( 20 months after my father 's passing! ), we were able to get the IRA transferred into my mom 's account. She had XXXX and they insisted on talking with her. We had provided XXXX of Attorney information and a doctor letter indicating that she was not of sound mind to speak on her behalf. We had a call set up with the Merrill Lynch advisor and he was not available for the call. 

In XX/XX/XXXX, my mother passed away. We are in the process of trying to liquidate the IRA. My sister is the executor of my mom 's XXXX XXXX and XXXX. My mom 's account has been assigned to XXXX different Merrill Lynch advisors in the last XXXX months as we are working through the process. The advisor on XX/XX/XXXX informed her that another IRA needs to be established with Merrill Lynch for the estate. Then, this IRA can be distributed to XXXX new Merrill Lynch IRAs for all of the beneficiaries. This process described by the Merrill Lynch advisor would take another XXXX months or so. We have repeatedly told Merrill Lynch we want to get the money out of their institution because the service is unacceptable and extremely difficult. 

Whether it is real or not, there is a perception that Merrill Lynch is purposively delaying these processes to keep my parents ' funds - funds that need to be liquidated. We have dealt with many other large organizations in the process of liquidating my parents ' estate and none of them have put up this much resistance. We need some help to get my mother 's account resolved quickly. We are not getting professional help and attention to our matters. 

I

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 2022-09-17
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I applied for a XXXX credit card and was denied because of bad debt that was reported from XXXX. I have perfect credit so this was a shock. I have received phone calls and bills stating that I owed money in the amount of {$1400.00} to Synchrony XXXX XXXX XXXX I spoke to XXXX XXXX XXXX and informed them that this wasn't my debt. I didn't initiate any transaction through XXXX. 

I have in the past requested documentation with no resolve.

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 2020-05-13
Company: EQUIFAX, INC.
State: TN
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:
Due to the cares act, government mandated that all school loans be put on deferment. This was done without my approval. When doing so account was reported as such which DIRECTLY caused my credit to dump over 60 points with XXXX  and over 20 points with Equifax. I was unable to get a reading from XXXX. I have contacted XXXX XXXX after spending two entire days they finally took my account off deferment and reported such. However, I never could get through to XXXX to repair the credit issue. I was on hold for 3 hours 48 minutes and 36 seconds with this company. I also disputed online however was unable to get into the account after registering through their system. When I tried to contact them I was disconnected three times. All of this is documented on my phone and I have screen shots that prove the decline of credit due to the educational loan deferment. There is no denying by XXXX  or Equifax that the credit decline was due to the report. I have PAID ONE YEAR IN ADVANCE ON THIS LOAN. I have auto payments and ALWAYS pay on time. This is clearly noted yet they decided to dump my credit by 60 and 20 points. My complaint is with the Government and these reporting companies. How can the government mandate such and then CAUSE harm to citizens? I would like this fixed. This has also harmed my chances of getting an EIDL as I am XXXX XXXX and have been under extreme hardship due to COVID. This is so unjust and unethical. I believe that this is in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX Select portfolio servicing provided a payoff statement to XXXX XXXX  of {$250000.00}. Fr debt dispute This is the money I already paid to two other servicers. 

XX/XX/XXXX sps returned the money to the title company. Without a release it was sent back XX/XX/XXXX sos sent the money to XXXX XXXX and XX/XX/XXXX received a check for {$250000.00}. from XXXXi asked them to send my proceeds directly to me Instead of the money I received a state that I now OWE {$240000.00}. 
I do not owe {$240000.00} and I dont have my {$250000.00} proceeds Sps needs to give me {$500000.00} to pay off this loan. XX/XX/XXXX notification that account Is paid in full subject to advances and pending transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: CHARLES SCHWAB CORPORATION, THE
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a Brokerage Account and a Checking Account with Charles Schwab on XX/XX/18, the Brokerage Account opened immediately but the Checking Account went into review. On XX/XX/18 at XXXX XXXX I received an email asking me to review my account information on their website, when I did I noticed the checking account hadn't opened yet. I called a Charles Schwab representative on XX/XX/18 at XXXX XXXX to find out why and was told that everything was fine I had gotten the checking account and it would be available for funding on within 24-48 hrs. After this phone call I received a welcome to Charles Schwab email at XXXX XXXX, reinforcing the information he provided about my checking account being opened. Today, XX/XX/18 I went to log into the account only to find out that everything has been closed. I called Charles Schwab and spoke to three representatives, this first verified who I was and when he went to investigate what happened to my account I was put on hold then with no noticed transferred to a woman named XXXX who informed my that they pulled my XXXX  report and had to close my account. I asked what information caused it to close and she would not provide that information over the phone, she said it had been mailed to me, I asked why I was told I had been approved for a checking account only to then have my account closed and she could not provide me with that information. I asked to speak to a supervisor, XXXX forwarded me to XXXX ( employee identification number he gave me : XXXX ), XXXX would not provide me with any information either, I asked him for the first names of the employees I had spoke to on the phone so that I could document it, XXXX would only provide me with his name and XXXX name ( not her Employee Identification though ), he said that they can see who I spoke to and when but refused to tell me who else I had spoken to on the phone or who the employee was who had told me I had been approved for the Checking Account. I had asked if their was a resolution center I could speak with, XXXX gave me the following address : Client Advocacy Team, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX California, XXXX. I asked for a telephone number to real the Client Advocacy Team and he refused to give me one. XXXX said I could only mail them. XXXX was very unhelpful and even threatened to end the call. I was forced to hang up with no information at all, I never even received an email from Charles Schwab saying my account had been closed, I just went to log in and it had disappeared. Extremely disrespectful.

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The following unverified accounts indicated below were reported on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following to updated or deleted in my file immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy

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