BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-27
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:
To whom it may concern, The below summary will serve as a time line of events that happened when I found out that XXXX XXXX billed my Credit card ending with XXXX without my authorization on four separate occasions for a total of XXXX dollars. 

On XX/XX/2019 I noticed that my credit card was billed on 4 separate occasions for work that was not performed for a total of XXXX dollars. The date of the separate charges are as follows, XX/XX/2019 for XXXX, XX/XX/2019 for XXXX, XX/XX/2019 for XXXX and XX/XX/2019 for XXXX. I first contacted XXXX XXXX via txt message at XXXX on XX/XX/2019 letting XXXX XXXX the owner of XXXX XXXX about the false charges. Just the past month I had him perform work that I paid for via XXXX application, so I was not too alarmed, just thought it was a mistake. However I was very mistaken! I also sent an email an email to the owner email account, XXXX listing all the charges with ( please credit ASAP ) in the subject title. The owner of XXXX XXXX said that it was a mistake and would reimburses me the full amount. However after over a month of excuses and back and forth he finally admitted that he does not have the money, and never mailed any checks or tried to reimburse me the full amount of money he charged my credit card. 

During this time I also contacted My Credit Card Company and put a hold on my card, and eventually closed out and opened up a new account. During this time I was contacted by Citi Security CC Company, and asked if I authorized another XXXX charge by XXXX XXXX, and I said no, so they denied the charge. I also contacted my local XXXX department and opened a police report for the false charges. The Police report number is as follows, Case # XXXX and officer of took report is named Deputy XXXX XXXX # XXXX, phone number XXXX XXXX With that said, my Credit card company ruled against me because the owner of XXXX XXXX  simply provided a false receiptsignatures for the transactions. He ran my CC against his app, and simply forged my signature, I was in a diff city XXXX XXXX when these false charges were supposed signed approved by me. How can the CC company take this as proof?????? 

PLEASE HELP!!! 

Thanks 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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
There is an inaccurate Late Payments in my credit report.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent another letter stating what needs to be remove its causing me to lose employment and housing

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 2020-03-27
Company: Flagstar Bank, N.A.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After divorcing my husband back in 2018, he purchased a home in the same town. Someone how flagstar had gotten incorrect information that the property at XXXX XXXX  XXXX with loan # XXXX was marked as a " second home " thus increasing my monthly payments by triple. Flagstar refused to assist in gathering the correct information and made it my responsibility. After getting the the correct documents they were able to do several escrow analysis ' and FINALLY had the correct monthly payment. But only moving forward. They were not able to retro-act the past " bills '' and showed that I had late or missed payments refusing to apply the payments I was making each month ON TIME. This is my 5th home I have owned and have NEVER had such terrible customer relations or service. They don't care that I am a person whose life they have destroyed with my credit. Showing me deliquent on 6 plus months has dropped my credit from a XXXX to a XXXX. All my credit cards have turned off. Business line of credit shut off and am unable to purchase my next home as this one is set to close on XX/XX/XXXX. I have had my own personal attorney write 3 demand letters on 3 separate months requesting information and explanation as to the disputes we had claimed, only to get GENERIC letters back with nothing addressed.

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 2023-01-08
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
AMERICAN EXPRESS is in violation of 15 U.S. Code 1691c2 for taking advantage of a Minority Owned Small Business and its owner 's personal private non-public data. I, XXXX XXXX, the consumer and natural person, was denied credit by AMERICAN EXPRESS when I mislead to applied for the XXXX XXXX XXXX XXXX AMERICAN EXPRESS CARD Credit Card. 

Adverse action against a consumer is AGAINST THE LAW according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 and 15 U.S. Code 1691e as I have proof that I was discriminated against by AMERICAN EXPRESS due to the response I received. 

AMERICAN EXPRESS is in violation of 15 U.S code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS. 

If AMERICAN EXPRESS fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make AMERICAN EXPRESS criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations. 

Thank you, XXXX : XXXX Without prejudice, all natural inalienable rights reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, Our mortgage company Rocket Mortgage has been a problem from day XXXX. That was in XXXX XXXX XXXX they lied about time frame of getting done etc. Now after Hurricane Ian hit they've been awful. Our insurance company was great, we need a new roof ( waiting due to material s ) lanai fixed and new whole house generator. We had lanai fixed and generator .fixed. XXXX continues to hold the funds and will not release our money. they sent someone to take photos then still will not release money. now they sent a letter questioning the integrity ( rating ) of our insurance company which makes no sense! All the while they are holding our money and we are having to pay interest on credit! Absolutely insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: EQUIFAX, INC.
State: OH
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 XXXX XXXX XXXX has reported an installment loan on my Equifax credit report in the last 3 or 4 months that I NEVER applied for nor borrowed. This item has been disputed with Equifax to no avail. I personally consider this to be fraud on XXXX XXXX XXXX XXXX part due to falsifying my credit report. It looks to be a {$2000.00} installment loan for 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: CORELOGIC INC
State: IL
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:
I have contacted this company for so many times, I sent letters so many times as well, requesting to have my credit report corrected and verified but until now no further actions were taken. There are so many accounts where are reporting incorrectly and no proof.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 following inquiries XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights.

15 U.S.C. 1681 account section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-01-19
Company: Experian Information Solutions Inc.
State: OR
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 6 LATE PAYMENTS ON MY FEDERAL STUDENT LOANS. I WROTE TO THEM ( XXXX XXXX ) SAYING THAT THE LATE PAYMENTS IN QUESTION WERE DUE TO APPLYING FOR THE INCOME DRIVEN PAYMENT PLAN AND TO PLEASE REMOVE THE LATE PAYMENTS FROM MY CREDIT REPORT. THEY MISTOOK THIS AS ME ASKING TO BE DEFERRED AGAIN ( I HAVE ALREADY BEEN PAYING FOR OVER A YEAR WITHOUT MISSING A PAYMENT ), WHICH I DID NOT WANT.

I JUST WANT THE LATE PAYMENTS REMOVED FROM MY CREDIT REPORT DURING THIS TIME I WAS APPLYING FOR INCOME DRIVEN PAYMENTS, I COULD NOT MAKE THE PAYMENT INSTALLMENTS THEY ASKED OF ME, WHICH IS WHY THE MARKED THE PAYMENTS AS LATE UNTIL MY PAPERWORK WAS COMPLETED.

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 2023-03-06
Company: Receivable Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have written several letters to this company in regard to a medical collection that was paid in full to the original creditor before it became a collection. I have not received anything back from the collection company. I have even asked if the collection company was legal to serve as a collection agency in my state. I have not received validation as of yet. I called and spoke to a agent at XXXX, asking how they were able to verify the debt with the collection agency and i was told that they do not require any WRITTEN verification from the collection agency, ONLY a response of Yes or NO. If the credit bureau is not practicing the laws then how are we as consumers supposed to get fair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I was told if I paid the overdraft balance owned on Account ending in # XXXX that the XXXX  reported information be removed. The balance was paid XX/XX/XXXX {$420.00} and got my XXXX report back in XX/XX/XXXX still shows bank of America reporting the debt. I called today XX/XX/XXXX to Bank of america recovery department told them I paid said shows it paid but they can`t remove it from XXXX  before I was told the balance was paid it`ll be removed

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 2021-03-10
Company: OPTUM BANK, INC.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The Company in question " Optum Bank '' is a Financial Health Services company that handles our HSA. As of right now we have 9 requests for reimbursement from our HSA that has been marked as " Stop Pay '' by the company. This has been the third consecutive time this has happened and each time we have contacted the company to find out the problem. Each time we have been told that the problem has been handled and to resubmit the requests and it should go through however every 24 days it returns to being labeled as " Stop Pay ''. The HSA account itself has {$2000.00} in it and should easily cover the accumulated {$770.00} cost of the reimbursements. We had first applied for these reimbursements in early XXXX of XXXX  and are coming into the forth month of struggling with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: I.C. System, 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:
XXXX XXXX  XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to XX/XX/XXXX I.C SYSTEMS INCXXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

In accordance with the fair credit reporting act, this/these creditors has violated my rights under 15USC 1681 SECTION 602 states I have the rights to privacy. 15USC 1681 SECTION 604A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2022-04-12
Company: Experian Information Solutions Inc.
State: GA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 see on my credit report these accounts are unverifiable invalidated in accurate and questionable if everything is not reporting 100 % accurate it must be removed. According to law unverifiable in accurate accounts must be removed and if youre on able to provide me a copy of the verifiable proof within 15 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing in regards to my credit report which contains inaccurate and incomplete information that requires attention. Specifically, I am writing to dispute an item on my credit report related to an account with XXXX XXXX XXXX. The account was opened on XX/XX/2018 with a balance of {$0.00}. The reason for my dispute is that your agency has not provided enough information to verify the debt in question. XXXX, one of the credit bureaus, has already removed this account from their records due to an error that was found. I am confused as to how you have verified this account while the other bureaus have removed it. Therefore, I request that you delete this account from my credit file as it is inaccurate, erroneous, incomplete or unverifiable.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2023-01-08
Company: JPMORGAN CHASE & CO.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
I recieved a check in the amount of $ from my mortgage company issued by Chase bank and when I attempted to re open my chase bank checking I was told that chase bank no longer wanted to do business with me after they had lied to me and sold off my mortgage to XXXX. I attempted to cash my check then at a local branch as a non customer where this information was given to me and was told that the amount I was attempting to cash was to large and I would have to open an account with another financial institution or find another branch. I had already driven 2 hours to locate the branch I was at. I then spent the next two hours going to 2 other branches to be told the same thing. I called and spoke with customer service where I was told I would have to check with every branch until I found one willing to cash the check that was issued by chase bank. After finding the check cashing disclosure I found that no such limit on certified checks for non customers exists and one branch even said it would take 2 weeks to clear before turning me away after I agreed and inquired how to get started. So I was forced to return home where I was promptly helped by a check cashing service that unfortunately charged me 10 percent, I even called back and asked the rep about it and they basically said sorry we can't help you honor our check even after I explained I would then sue them for a refund of the XXXX dollars the check service would charge me for cashing the check. Let me also add this is funds that were for a fire that destroyed my home leaving me homeless. This was completely uncalled for, I feel I was completely discriminated against as I was offered no help to take care of my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: W&A Intermediate Co., LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wakefield & Associates are on my Credit Report as a collector for services provided by XXXX XXXX XXXX related to a hospital visit on XXXX/XXXX/21. The hospital reports a XXXX BALANCE on my account and does not recognize XXXX XXXXXXXX XXXX as a vendor. 
I requested an itemized bill from Wakefield & Associates.

Company response to consumer: Closed with explanation