BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-18
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:
I just check my credit through XXXX 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, Equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the Equifax breach. I have attached the identity theft report along with my social and drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: CITIBANK, N.A.
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
REF : Account closed # XXXX Fund is on hold {$25000.00}. 
I am writing this letter about I open on lines Miles Ahead Saving Account # XXXX Checking Account # XXXX. After opening account I sign into the Citibank website to attempt to open an account and when I tried to fund it I linked my XXXX  account to Citibank and my linked XXXX as well. I have transfer {$10000.00} from XXXX XXXX and {$25000.00} from XXXX XXXX  and both transfer was made successfully and posted to my Citibank Miles Ahead Saving account as of XXXX XXXX. I received email on XXXX XXXX that my both accounts has been closed that I have violated the terms of my accounts per client manual. I did not do any violation. 
I requested the XXXX  to get my money back from my Citibank account and XXXX  recall ACH and got my {$10000.00} back to XXXX  account. After this Citibank debit {$25000.00} from my citi bank saving account without my permission and I dont know where that money Citibank transfers it. 
I have been calling Citibank nonstop for the last 47 days about my money every time they connect me Fraud dept. The calls are answers offshore call centers. I contact my XXXX  XXXX  to recall ACH from Citibank and XXXX XXXX  refused to recall the money because I authorized Cititbank to debit my XXXX  account so there is no way for XXXX to do the recall because the transaction was not initiated by XXXX. It appears that the money hit my Citibank account # XXXX but the account was flagged as suspicious. I need to know Citibank is why the account was flagged and where are they holding my {$25000.00} money. I need my money back. Attached the all document from my XXXX XXXX  send information.Please Send my money as soon as possible. 
Thanks XXXX XXXX XXXX XXXX phone # 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 monetary relief
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX C XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$200.00} ; XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2023-11-15
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/23 - Payment in full of balance on XXXX XXXX account through Synchrony Bank as reported to me by Synchrony Bank ; XX/XX/23 - Due date for payment on account ( minimum amount due ) ; XXXX?? XXXX - Synchrony Bank XXXX to me that my bank XXXX XXXX XXXX XXXX XXXX requested a stop payment and Synchrony Bank issues a stop payment fee ; my bank, XXXX, does not charge me a fee for stop payment due to my status with XXXX  ; I was asked by text communication by XXXX if I approved request for payment of the amount of {$1000.00} and I replied no since full payment had been made on XX/XX/23 ; Early XXXX date, XX/XX/23 & XX/XX/23 - XXXX attempted to discuss the late fees, additional interest charges, a refund fee from Synchrony Bank without resolution due to Synchrony Banks refusal to take responsibility for their systems inaccurate operation I paid the full balance on the account prior to the due date and as of today I have a {$73.00} balance, which by all sane right I should not be responsible for.

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 2022-12-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX C XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$200.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: American Credit Acceptance, LLC
State: NJ
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:
American Credit Acceptance has reported to the credit bureaus that I was late by 30 days on a payment. However, the car was traded in on XX/XX/2023. American credit acceptance customer associate said they don't report to the bureaus until the XXXX or the first of the next month. The car was longer in my possession after the XXXX of XXXX due to the fact the car was paid off by another dealer, who said I don't have to make anymore payments because it was traded in. 
They are reporting false information on my credit stating it was late when it was paid off from the dealer with a trade.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A XXXX credit card was open in my name with a {$1400.00} limit and a current balance of {$1300.00} that is negatively affecting my credit.

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 2021-10-18
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XX/XX/2021 Mortgage Payment Due - Payment Not Made XXXX XX/XX/2021 Mortgage Late Fee Assessed XXXX XX/XX/2021 Mortgage Payment Due - Payment Not Made XXXX XX/XX/2021 Mortgage Late Fee Assessed XXXX XX/XX/2021 Mortgage Payment Due - Payment Not Made XXXX XX/XX/2021 Mortgage Late Fee Assessed I made several attempts to pay my mortgage electronically between XXXX XXXX and XXXX XXXX. Navy Federal Credit Union has disabled my ability to make my mortgage payment online. 

I spoke at length with a mortgage collections specialist in XXXX, explaining that phone conversations sometimes exacerbate my XXXX/XXXX and are often difficult for me to communicate clearly due to my XXXX XXXX XXXX ( XXXX ). I stated to the representative that for me, blocking my online payment access is a XXXX rights issue. Immediately prior to filing today 's complaint, I again attempted to make a mortgage payment online and once again, I was prevented from doing so by Navy Federal Credit Union. NFCU has a history of preventing members from accessing our accounts, related to delinquent mortgage payments. NFCU then collects late payment fees after preventing members from paying our mortgages online. 

I am a retire XXXX XXXX XXXX XXXX with 22 years of service and am a current XXXX employee of in the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 

Thank you, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Mr. Cooper Group Inc.
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint XX/XX/19 on Mr. Cooper home loan, nothing was resolved they still resend my checks if I miss one, and throws my account off on whatever day or date they want too, I looked over payment history and they forced another payment to come out because they where trying to foreclosure my home this company is horrible to the community and proud home owners I will report every day if I have to until it is resolved they, are bullies they think they can treat customers any way because of FHA LOAN put big envelopes on your door take pictures of ur house like they bout to sale it tomorrow, if I wasnt a single mom Id pack my things and move, they will not run me out of my mortgage, the paper work the sent over said nothing about how they resend checks if they bounce every week until it clears they dont talk about the harassment in the paper work either all it said was my agreements from cenlar, so nothing got accomplished

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft please remove this fraud inquiry from 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 2022-12-27
Company: Experian Information Solutions Inc.
State: AR
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 is a request to you to remove the disputed accounts and information that resulted due to identity theft. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX  XXXX Balance Owed : {$580.00}. 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 an alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They just sent me a bunch of PDFs ( letters ) that I never received back in 2017. They are using that as a reason to collect on a mistake they made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check from the U.S. Treasury into my checking account with Ally Bank, as a result, they froze my accounts, denying me access to funds and paychecks that were already in the account and will not release the account or give me access to my account for XXXX weeks ( 10 business days ). I understand by law, any deposits XXXX and over must be investigated, but this is something else. I called and was transferred to their fraud department, and was told by their staff that they needed to call and verify the check before it could be released. I told them that I understand holding the check until it was verified, but that I needed access to my checking account as it also has my paycheck and other funds that I need in order to pay bills, buy food, gas, etc... basically money to live on. I was told that it was their policy to freeze the entire account and could not just put a hold on the check and give me access to my account, as there is no way to separate the two, which of course makes no sense as other banks are able to do so. It also makes no sense that it takes them 2 weeks ( 10 business days ) to verify a check. I have called back several times to get a status update, the Ally employees responses are vague, rude and not helpful. I even asked if they would email me or call me once the funds and my checking account are released, both times I was told no, that I would have to call back. So here I am, the check I deposited and my bank accounts are frozen for 2 weeks ( 10 business days ), I can not access any of my money to pay bills, and good customer service, a simple courtesy call is being denied to me, all because I deposited a larger than usual check. Typically, most banks will release a small portion of the deposit until the check is verified, which normally only takes a few days. Why and how is it legal for Ally to completely freeze entire bank accounts and funds not related to the deposit, as well as the deposited check in question, for 2 weeks ( 10 days )? No concern or care is given by Ally to the fact that any customer who makes such a deposit will not be able to pay bills and access un-related funds necessary to live.

Company response to consumer: In progress
Consumer complaint received 2021-03-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and it is showing inquiries that are not mine. I repeat! these are not mine. I have no recollection of doing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions 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:
Multiple letters have been sent to XXXX XXXX XXXX to provide proof of ownership but no documents have been presented where I signed an agreement with their company. I've asked them to remove the accounts from my credit report since I do not owe them anything but it has yet to be done. They are reporting that I owe {$750.00} for a XXXXXXXX XXXX  charge and {$980.00} for a XXXX XXXXXXXX XXXX charge.

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 2023-08-14
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Back in XXXX there were some international transactions that were not authorized by me. The bank issued provisional credits due to the issue. This is where my unemployment is direct deposited. It took XXXX to receive my unemployment, then once I get it, the bank took the {$250.00} it had credited me XXXX months ago. 

I contacted them, but they indicated that no one had made any notes, so they had no clue why the funds were taken. Im legally XXXX. They claim they sent me something, but they never did, I need. That money back in my account. 

See this institutional states clearly states that they do not allow international transactions. These were transactions that were made in XXXX. This was clear fraud. I thought it was handled. 

But its not, no one I talk to knows either.

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 2022-12-27
Company: Experian Information Solutions Inc.
State: MS
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:
late payment reported for XXXX account number XXXX in XX/XX/XXXX for 90 days late is inaccurate. I was not 90 days late. ( current for XXXX, XXXX and XX/XX/XXXX ). 

late payment reported for XXXX account number XXXX in XX/XX/XXXX for 90 days late is inaccurate. I was not 90 days late. ( current for XXXX, XXXX and XX/XX/XXXX ). 

late payment reported for XXXX accounts XXXX in XX/XX/XXXX for 90 days late is inaccurate. I was not 90 days late. current for XX/XX/XXXX, XXXX and XX/XX/XXXX. 

Experian, XXXX and XXXX have a duty to do what is fair and equitable to me and delete the inaccurate late payments reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On or about XX/XX/2023 I paid the entire balance of my Capital One platinum and Capital one XXXX card off. Totaling about XXXX for both. I applied for a mortgage in XXXX of 2023 and by XXXX, it was time to go to the next step. I had been saving money so that I could pay my bills from my XXXX account so as to not disturb any funds I was saving for my closing costs. Normally, I go on Capital One app and use XXXX of my bank cards to pay my bill. However, since I was using XXXX, I had to pay with that. I tried to put the numbers in but got a response that card was not accepted. So I went to XXXX 's page where they have your account number and routing number and I entered that for my payments. A couple of days later I realized the money did not come out of my account. I looked on the Capital one app and saw the payment was returned. I had no idea why, but just paid out of my closing funds immediately. The next day my accounts were marked restricted. I called to ask why and they said they do not tolerate that type of business or some rule they read to me. I explained what happened that I had no idea you could not use XXXX 's routing number and account number to pay a bill. It's offered to you by XXXX, and that when I realized i rectified the situation immediately. In the middle of my mortgage they closed my account and deemed it at capital one 's request. This company has put a stain on my credit report and reputation because I tried to pay them out of XXXX. Note - I have NEVER paid late and almost always paid the entire balance before the due date. On my credit report before it says " accounts closed '' it says exceptional payment history. I do not want another card from capital one, but I want an apology and the stain removed from my credit and reputation. Luckily, after writing a letter to my underwriter, I was approved for the mortgage. But was recently turned down for a credit card and I know it's because of XXXX XXXX. Please help me.

Company response to consumer: In progress