BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my XXXX  was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I found out my house is set for a property foreclosure sale XX/XX/2020 recently by someone coming to my house asking to buy my house. I filed bankruptcy to keep my house from being foreclosed a few months ago. I did not get a foreclosure letter from the Foreclosure attorney XXXX XXXX XXXX or Rushmore. I sent documents and request for mortgage modification to Rushmore my mortgage servicer. Contacted Rushmore XX/XX/2020 spoke to XXXX, ID # XXXX asked what was the status of the modification that was submitted. He said that the file was reviewed on the XXXX of XX/XX/2020 and a letter had gone out to me. He said they received a call from me XX/XX/2020 and I was told verbally what they needed. He said it has been 37 days and the file would not be reviewed for a mortgage help. I have not spoke with anyone from Rushmore and my husband has not either. I have not received mail from Rushmore requesting information. XXXX was rude and unwilling to help me save my home, the state of Tennessee says I'm suppose to receive a letter 30 days before a sale date is set for my house. I have not receive any letters

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Americas Car-Mart, Inc.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
It was written off. In first place I had ins with them car was totaled and they were paid, then they tried to get me to pay again. I was sent letter it was written off and it's not being taken off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, 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:
CREDIT REPORTING AGENCIES XXXX AND EQUIFAX TO DELETE INACCURATE REPORTING OF UNAUTHORIZED, INACCURATE DELINQUENT AND LATE PAYMENTS SHOWN ON CREDIT REPORTS : ID THEFT REPORT ATTACHED XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
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: Public record information inaccurate

Complaint:
I have contacted each credit bureau separately as well as the courts they claim furnished the information being reported on my file. A Chapter XXXX bankruptcy is being reported on all 3 credit bureaus. They all have inconsistent and incorrect information. Further more they are supposed to verify this information with the ORIGINAL furnisher not a 3rd party. The courts listed on my report have provided me a letter in writing stating they did not and do not furnish consumer 's data to any 3rd party. That being said the information is not only inaccurate but being reported without verification. The information listed below shows what's reported on my file for each credit bureau. Starting with Transunion the filing date is listed XX/XX/XXXX however XXXX  lists XX/XX/XXXX which is correct where is the verified source of this information. Next the reference number is different on all 3 reports as shown below. The Court name is also listed differently on all 3 reports as well. Lastly the closing date shows on 2 of the reports however is left blank on XXXX. Per the Fair Credit Reporting act this information is supposed to reported accurately without any inconsistencies and it MUST be verified by the original source not a 3rd party. If it can not be verified included original documents with my signature confirming the account it must be removed. Where are the records that I signed showing this Chapter XXXX filing actually belongs to me? Where are the records that show the information being reported is true and accurate especially with the difference of information being reported within all 3 bureau 's. See below for the information I am speaking of. 
TransUnion Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : U.S. Bankruptcy Court Liability : XXXX Exempt Amount : XXXX XXXX  Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX XXXX Amount : XXXX Court : US BKPT CT FL XXXX Liability : XXXX Exempt Amount : XXXX XXXX  Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : Asset Amount : XXXX Court : Federal Liability : XXXX Exempt Amount : 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 2024-01-01
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had submitted for an electronic payment to be processed on XX/XX/ for {$1100.00}. I learned on XX/XX/ that they reversed the payment with reason " payment stopped. '' They charged me {$40.00} to the account. I requested reason why and they said they would have to investigate. The funds were in the bank account and I did not stop the payment. Again on XX/XX/ I submitted for the {$1100.00} payment to be processed. On XX/XX/ they reversed the payment as " Payment Stopped '' and again charged the account another {$40.00} payment reversal fee. I did not stop this payment and the funds are in the checking account. My bank account information is correct on their system. 

I have been a good customer for many years with this account. I do not know what is going on with their system why this continues to happen.

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 2023-04-16
Company: CITIBANK, N.A.
State: TX
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 purchased a custom made sectional from XXXXXXXX XXXX on XX/XX/XXXX using my CITI AAdvantage credit card. 

My couch was quoted at 18-22 weeks, it should've been delivered between XX/XX/XXXX- XX/XX/XXXX. Couch was never shipped to me and never received. I started reaching out to XXXXXXXX XXXX in XXXX of XXXX for information and updates, I was told I would receive a partial refund for continuing to wait for my couch until XXXX. I never received any kind of refund or money back from XXXX XXXX. XXXXXXXX XXXX then went into XXXX in late XX/XX/XXXX and I initiated a dispute with CITI on XX/XX/XXXX for merchandise never received. 

CITI has now denied my dispute twice saying that I am still in my expected delivery window for my merchandise. As you can see from the attachment my delivery window has passed and the new company that purchased the XXXX XXXX brand has told me that they CAN NOT deliver the custom made couch I purchased. 

I need help getting CITI to recognize that this is a valid dispute and that I should receive my money back as I did not receive my product and never will. 

*IMPORTANT, my name has changed since the original purchase. The purchase was done under XXXX XXXX, my name since changed to XXXX XXXX in XX/XX/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 2020-04-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have tried hand writing letters and even submitted evidence that the current items on my profile are paid off by bankruptcy or incorrectly reporting. Experian refuses to dispute my claims even with evidence sent. The fair credit reporting act was made so consumers wouldnt be hurt. Experian on multiple occasions have violated my rights in this matter. They refuse to dispute my claims on my dispute. Letter of dispute will be attached with evidence letters. Everything was sent certified mail so I got receipt that my letter was received. Attached will be a copy of this as well.

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 2020-04-02
Company: EQUIFAX, INC.
State: TX
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:
XX/XX/2020, an agent from XXXX XXXX  called me, and informed me, that if i just made onXXXX payment it would bring my account up date. As of today XX/XX/2020, it still sHows i am 90 days paat due, no money has been applied to the account. 
The agent told me false and misleading practices. I spoke with an agent today, name XXXX, that told me, yes you paid on it, but its still past due, and we are going to report ur payment but we just havent done it yet. 

I asked him why was i told diffent, on XX/XX/XXXX, he said they didn't mean it that way. 
I did inform XXXX  i am reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-12-11
Company: WELLS FARGO & COMPANY
State: CA
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:
Dear Consumer Finance Protection Bureau, On XXXX XXXX, my wallet, cell phone, and drivers license were stolen and the thief madeseveral fraudulentpurchases using both my debit card and credit card from Wells Fargo. While Wells Fargo was willing to immediately cancel the charges on my credit card, they have yet to correct the fraudulentpurchase on my debit card for $ XXXX.After one round of investigation they have claimed that this instance was not fraudulent and are unwilling to provide answers or further research despite numerous requests. I have provided a police report, receipts for a new drivers license and cell phone, phone tracking information, a call log, and a detailed minute-by-minute report of the event, but am still being turned down. 

Attached please find a detailed report that includes a timeline of the events, including phone calls, purchases, website activities, screenshots, police report, and unsuccessful conversations with Wells Fargo. As you can see, I have contacted Wells Fargo at least fifteen times and every time they tell me that my case needs to go to another department and they will get back to me in ten days. In two months of constant phone calls and questioning, they have only called me back with new information twice.

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 2020-04-02
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Enhanced Recovery reported a debt to all three credit bureaus without validating the debt, according to the Fair Debt Collections Practices Act, 15 USC 1692g sec. 809 ( b ) .This action might constitute fraud under both Federal and State Laws. I will consult counsel for suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an investment with Ally banks with a regular monthly deposit into the account. However, after a few months, Ally bank website ( they do not have a physical branch ) does not give me access to my statements or bank information to the account. 

I have provided a picture of the account not shown below. Note that regardless of the time of the day, this is a permanent message on my account. It has been like this for months. 

I have called the team and they asked me to verify the account. I have answered their automated questions but they said they can't verify it still. So they asked that I send in my social security and driver license, which I did, and they have not done anything. 

Currently, Ally bank continue to withdraw from my checking account and does not offer me options to get my money back or stop the withdraw.

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 2020-04-02
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX a Chase Employee made a " mistake '' and " accidentally '' closed my account and debit more than U $ S XXXX. I'm complaining since then and still my money isn't back into my account. I NEVER GAVE CONSENT on this debit or closing my account and Chase employees tell me they can't do anything. I wasn't able to pay my rent due to this issue and it's been now more than 10 days contacting Chase almost every day and they give NO SOLUTION. Please, I want my money back into my account NOW. Attached you can find the screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I called today XX/XX/XXXX Citizen Bank to ask about a hold I had when I tried to transfer money from this Savings account I have with them One Deposit Savings and they had mentioned that this is due the account is dormant, and thats why I have been getting Dormant Account Fee for {$5.00} every month since XX/XX/XXXX. 

The original story is that I used to have a savings account with XXXX that I opened in XXXX and in XXXX XXXX was acquired by Citizens, so they transferred my money to a new savings account with Citizens Bank. According to the guidelines from Citizens Bank website, account is considered dormant if theres hasnt been any activity for 2 years. But when I asked the representative and her manager about why my account is dormant, since according to the guidelines, my account is opened in XX/XX/XXXX and it hasnt been 2 years yet to be considered dormant, they voiced that the account open date is XXXX ( my XXXX account open date ). I asked them how it is possible to consider my XXXX account open date as my Citizens account open date, and that I shouldnt be charged for all these months since XX/XX/XXXX till this day because I havent been with the bank for 2 years. 

Manager only offered me a refund of 6 months ( {$30.00} ) out of the total amount ( {$90.00} ) and refused to do any further escalations when I asked him to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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:
I found inquiries that dont belong 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 non-monetary relief
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion Credit Bureau to validate this account ( A ). I hope this disputed account is updated. I've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX XXXX Date Opened : XX/XX/2006 Balance {$470000.00}

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 2023-11-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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