BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-13
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: Information belongs to someone else

Complaint:
I have been submitting multiple letters XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: R & B Corporation of Virginia
State: VA
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 have contacted Credit Control Corporation on 3 separate occasions in the last 90 days requesting validation for 4 different accounts they are reporting g in my credit. I have expressed several times that I do not feel I owe these debts. The last time I called and requested them to send it out, the girl I spoke with refused and said she could not send me anything. I requested a manager and she refused to transfer me then hung on me. Very rude and unprofessional. My right to seek validation is being violated. I have given ample time for proof of these debts to be provided. I gave also disputed on my reports and nothing is being done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I went to my primary dentist  office to have XXXX  fixed and prepped for a XXXX  as I had for the two other prior XXXX  that I have. I had dental insurance at the time. I paid my portion of {$320.00} at that time. When it was time to seat my XXXX, the dentist wouldn't do it unless I paid another {$320.00}. My insurance would not pay unless the work was completed ( the crown had to be seated and x-rays taken to prove it and sent to my insurance company before they would pay the balance ). I reported them to my dental insurance ( XXXX  at the time ) as I felt that they were " double-dipping '', but instead, I received a letter stating that " not more than 50 % of the XXXX was XXXX ''. 

The discrepancy has since been turned over to a Debt Collection called Capital Accounts LLC. I have tried disputing it twice through the credit agencies, but they always respond with " meets FCRA requirements ''. When I opened the first dispute, the credit agency said that I would hear back from them in 30 days. It took over 8 months. 

I finally contacted Capital Accounts via phone on XX/XX/XXXX at XXXX CST. We had an 8 minute and 28 second conversation. I requested that they send me a copy of the original bill and proof that I owed the debt. I never received a letter from them. I've had their collectors call me and I explained the situation and their creditors actually hung up on ME! 

I have since found a new dentist and still have to get this tooth fixed before it causes me more problems. My new treatment plan shows that a XXXX  is needed for that tooth still and my new dentist has given me a letter stating that the tooth in question does not have a XXXX  and that a XXXX XXXX is needed for definitive restoration. 

The {$320.00} that I have already paid to XXXX XXXX XXXX XXXX covers the tooth build-up that they did twice over but I do not owe the rest of the debt since they would not complete the work. Their billing shows that they turned over {$710.00} to collections, but my credit report shows that I owe {$880.00}. 

Please help. I just want this off my credit reports so that I can move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 Bank of America authorized {$1800.00} to be fraudulently transferred by XXXX. We immediately called Bank of America to notify them of the identity theft. They have since denied to refund our money. I filed with the local authorities.

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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX 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 2020-08-19
Company: CITIBANK, N.A.
State: PA
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:
On XX/XX/20 I charged {$150.00} my Brooks Brothers Platinum Master Card for the purchase of XXXX XXXX sets for my grandchildren. After waiting 2 months for delivery I attempted to track down the vendor from the information given on my credit card bill. I searched every resource possible but could find nothing at all on who the vendor is or where they might be located. I then called the credit card company to lodge a fraudulent charge. They sent me a letter requesting all the information I had which responded to in writing. Approximately 30 data later a received a letter denying my claim indicating they did not have enough information to grant my claim. I then called the appropriate dept of the credit card company for an explanation.After a prolonged discussion they would not honor my claim saying they didnt have enough information. I gave them all the info I had. What else am I to do. I directed that my account be closed after 25years.I have continued to pay on the account as they will report me as delinquent should I not. Im a senior citizen and can not afford the loss. Iwould appreciate any help or guidance you can provide me. THANK 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 monetary relief
Consumer complaint received 2019-05-13
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I can not wholly blame Equifax for these adverse actions. I am very disturbed as I am writing this complaint and I take no joy in this regretful process. However, Equifax could resolve this complaint in a matter of minutes, If they choose to help this veteran. A supervisor at Equifax conveyed to me they could have this taken care of in thirty days. I do not have thirty days. I am trying to get a V. A. Loan for my family and I. These are  inquiries that do not belong to me. 

These are some painful and regretful errors. They are causing severe backlash from my mortgage provider. As a Veteran and a XXXX XXXX member, I surely didnt expect this betrayal of public trust. I have fought for this country. I have protected these folks freedom to do business. I am taking this approach because I couldnt get it resolved otherwise. 

Again, I am not totally blaming Equifax for this miscarriage of justice. However, I am bringing it to their attention for the lack of communication and not taking this dangerous situation as a priority. They overlooking the fact this is ruining my life. It is incredibly extreme to me as a consumer. Please help! 

1-XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX 2-XXXX  XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New  3-XXXX XXXX XXXX # XXXX Inquiry from XX/XX/XXXX 4-XXXX XXXX Inquiry from XX/XX/XXXX 5-XXXX XXXX Inquiry from XX/XX/XXXX 6-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7-XXXX Inquiry from XX/XX/XXXX 8-XXXX  Inquiry from XX/XX/XXXX 9-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10-XXXX XXXX I Inquiry from XX/XX/XXXX 11-XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX 12-XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX 13-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 14-XXXX  XXXX Inquiry from XX/XX/XXXX 15-XXXX XXXX Inquiry from XX/XX/XXXX 16-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 17-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 18-XXXX  XXXX Inquiry from XX/XX/XXXX 19-XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX 20- XXXX XXXX Inquiry from XX/XX/XXXX 21-XXXX XXXX  XXXX Inquiry from XX/XX/XXXX 22-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 23- XXXX XXXX   Inquiry from XX/XX/XXXX 24- XXXX XXXX Inquiry from XX/XX/XXXX 25-XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

This company is also furnishing data without my written consent in clear violation of 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the expeess permission of a court of competent Jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2019-05-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I contacted an individual on XXXX for concert tickets sometime early XXXX. The person had an account that seemed legit and answered all of my questions. This person fooled me into thinking I would exchange cash for the tickets as agreed upon. I asked this individual for the required information and for pictures. Once we made an agreement, I transferred the money on XX/XX/2019 and this person did not send me anything. In fact, the person disconnected their phone number and deleted their XXXX account. I was not able to get my money back as I sent the money through Chase XXXX. I did not know that Chase XXXX did not protect against this. I want a resolution to this and I want to ensure this situation does not keep happening to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

This company is also furnishing data without my written consent in clear violation of 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the expeess permission of a court of competent Jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2019-10-14
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
American Express set my due date as XX/XX/2019 which is XXXX XXXX bank holiday so banks are closed. I could not set my online bill payment for that date so payment would be XX/XX/2019. They advised on XX/XX/2019 that I would need to make a phone payment on XX/XX/2019 in order to avoid a late fee and negative credit reporting. They should honor the next business day as the payment so I didn't have to pay a phone pay fee to avoid a late charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I called American Express on XX/XX/2019 wanting to cancel my credit card. They transferred me to their retention department and they offered me a {$50.00} statement credit if I spent {$1000.00} on that credit card within 3 months. I met the spend requirement on XX/XX/2019. 

Called on XX/XX/2019 and asked when I should be receiving that {$50.00} statement credit. They said it takes 6-8 weeks to see the credit. 

Called back on XX/XX/2019 to follow up and they said they see it on my account and they're not sure why it's not credited but that I should see it soon. 

Called bak XX/XX/2019 and spoke to a Manager. She escalated it up and promised me she would call back within 24 - 48 hours with an answer. Never received any call back from her. 

Called back AGAIN XX/XX/XXXX, and they said they're " looking into it '', and it could take 30 - 90 days. 

This is ABSOLUTELY ridiculous. I've done my part, and I shouldn't have to be following up and wasting my time and energy on something that they promised in the first place. It really shouldn't be this difficult to look into and apply to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Citi Accelerate Savings account and on XX/XX/2019 attempted to transfer {$11000.00} into the account from an external XXXX XXXX Account. On XX/XX/2019 XXXX notified me that an item had been returned. I subsequently called Citi Customer service and was told that the transfer was marked as potentially fraudulent and that Citi had attempted to contact me but could not get ahold of me to validate the transaction and therefore rejected it. I am unavailable during business hours while at work and had no voicemail or email from Citi asking me to call to validate the transaction. It is unclear why this call to customer service could not have resolved the fraud concern. 

Because I had received an email from XXXX indicating the item had been returned, on XX/XX/2019, I attempted a second transfer of {$3000.00}, thinking a smaller amount would not raise fraud concerns. I did not know at this time the funds from the prior transfer attempt had NOT been returned to my XXXX account, and therefore the transfer was rejected due to insufficient funds. On XX/XX/2019 I received an email from XXXX indicating that an item had been returned and an email from Citi indicating the transfer could not be completed. Citi automatically tried this transfer again, with the same insufficient funds errors, and as a result of the two failed attempts, suspended my ability to transfer money into the account. 

I called XXXX customer service on XX/XX/2019 and was told to expect a call after they could research whether the funds were in a XXXX suspense account considering that the " dream '' savings account has a monthly deposit limit of $ XXXX/month, therefore the system may be rejecting the return of the funds. I received a call indicating that the funds were NOT with XXXX and that I should call Citi to request they investigate the same. 

I called Citi Customer service again on XX/XX/XXXX and was on the phone for 1 hour and 6 minutes with no resolution. I spoke with 2 different customer service representatives, the last who told me that the funds were in Citi 's system and possibly hadn't yet connected with XXXX ' system but could not tell me a date this would be resolved. 

I called Citi customer service on XX/XX/XXXX and was told the funds were not with Citi and to call XXXX. Citi offered to wait on the line with me while I called XXXX customer service, but eventually told me they could not continue to wait and hung up.

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 2019-05-13
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 fraud alerts or security freezes

Complaint:
I attempted to log into my account at TransUnion to unfreeze my credit. I was unsuccessful. I clicked on Forgot Password and then answered several questions to verify my identity. At the end it said it could not verify my identity, even though I know all my answers were correct. I then attempted to call the number given to talk to a support team member. The message said a 5 minute wait. After 16 minutes I hung up, because I had to get back to work. 
I called another number TransUnion had for unfreezing credit via an automatic voice system. This was unsuccessful and then put me on hold again for a customer rep. 
I tried a few more times to access on line and was not successful.

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 2021-08-05
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After being on Forbearance due to Covid-19 epidemic and being unable to get back to work most of XXXX and part of XXXX I was returning to work in XX/XX/XXXX from a work injury and in XXXX of XXXX I began a cash out refinance of my home to payoff credit card debt acquired during the covid-19 shut down on XX/XX/XXXX I made an electronic payment of {$4400.00} through my online bill pay at XXXX XXXX  to Lakeview Loan Servicing to bring my mortgage current which posted as paid to them on the XX/XX/XXXX this cleared up four unpaid months back in XXXX due to thirty day waiting periods for my mortgage payment protection and returning to work to get my first full paycheck the payment posted to my Lakeview Loan Care account XX/XX/XXXX which gave me a clear twelve month payment history on XX/XX/XXXX I called in to Lakeview Loan Care Loss Mitigation department and ask for a cancelation of my Forbearance and a letter of confirmation I was told it could take up to 24-72 hours to generate the letter and to call back Monday or Tuesday to see if they could email it to me when I called Monday I was told my payment had been retracted so I went back to XXXX XXXX  and they confirmed they had not retracted the payment so I would like some help finding out why the payment was retracted from the same source I have used to pay my mortgage for a least a year or two and where was it retracted to and now reapplied with out a clear account history and I have still not received my Forbearance ending letter or confirmation or any information pertaining to it can you help me has any laws been broken with this unwarranted delay and inexcusable miss handling of my funds payed to the account.

The Company who is now handling my home refinance is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX which was started about 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