BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 a victim of identity theft, my information was expoused through the XXXX XXXX XXXX and account had been created with out my knowledge, I first learn about it back in XX/XX/19 when XXXX XXXX tried to collect a debt from an account that was not mine they opened an investigation and cancel the collection because they realize that it was not me who originated this account, then I check my credit and found these other fraudulent accounts accounts that don't belong to me, I need you to help me resolve this situation, this has cause me to pay high interes and has diminich my ability to get credit. 
Please help 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 explanation
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 explained a while ago that my car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies. It has been weeks and Transunion states that they never got the FTC report but responded to the complaint. I am hoping that they review the attached information & remove these inquries.

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 2020-01-29
Company: Ocwen Financial Corporation
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage Company has repeatedly refused to allow me to change my auto-draft payment amount, date and preferences, during the instances when i attempted to change auto-draft settings online during the month of XX/XX/XXXX and during phone calls I initiated on XX/XX/XXXX and XX/XX/XXXX. I have been trying to change my payment account due to a change in my banking account provider. The account that is currently identified as the auto-draft account no longer exists, yet PHH representatives have informed me that I may not change the auto-draft preference since it is past the XXXX of the month - however my payment is not due until the XXXX of the month. This has impacted me negatively because PHH has penalized my account with late fees added to my mortgage amount due during the month of XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Experian Information Solutions Inc.
State: LA
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 disputed this problem more than once with the credit bureaus and gave statements and presented documents and still no progress I have been paying this company for my car after it got XXXX they are reporting false information and they are not showing anything I've paid since the before the XXXX they are also reporting I have XXXX missed payment and that's not true if that was so they would have XXXX the car again the way the payment arrangements were set up by weekly and by weekly my dates went along with my pay dates I asked to split my payments in half and the amount we agreed on I paid for awhile and I called them and set up a different amount they agreed but they are still showing I'm not paying so I have negative marks

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 2019-08-22
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
this complaint comes after exhausting all my administrative remedies against Macys to fix and error in their part after a fraudulent charge was disputed for XX/XX/2017, corrected and Macys never cleared the late payment this charge caused. 

i have disputed this issue with the bureaus and Macys without a successful resolution to the issue. additionally Macys never notified me properly about this damage to my personal credit report until i had to pay the consequences of the FICO score drop with all my finances. 

i pray and request Macys clear this late payment reporting on my presonal credit report for the month of XX/XX/2017.

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 2018-03-09
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
In early XX/XX/XXXX, I purchased 5 {$50.00} American Express gift cards at XXXX. 
I lost one of the five {$50.00} cards on XX/XX/XXXX and called to say that I had lost one of the cards the previous evening. I did not write down the numbers on the card but kept the stickers on each of them. The representative took the information down and verbally indicated that I would be reimbursed. 

I subsequently have received at least four letters from American Express asking for documentation to support my request. The final letter dated XX/XX/XXXX indicated the receipt does not match. The Reference Number from American Express is XXXX and they will confirm that they have requested and I promptly responded to every request. 

The letter sent by AMEX does not have a phone number so there is no one I can call to discuss further. I was hoping that you could help me in resolving this issue. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX submitted statements to Equifax and XXXX stating that my information had been used to obtain a loan fraudulently. 

They still claim the loan in question was made by me and not through fraud. I called to get the fraud form that they stated needed to be filled out and yet harassed me when I called to do so. They claim on one side they have this call recorded yet once again claim that this call doesn't exist. 

I have filled out all the reports that they require. They refuse to remove the item from my reports yet have no problem reporting fraudulent activity on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: LoanCare, LLC
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My loan was paid on time. I have never been late but Loan CareXXXX XXXX the servicer was called today after receiving a letter for me to pay XXXX  late fee, When I called their automated system XXXX @ XXXX XXXX 5 times it states that my loan payment of XXXX was processed on XXXX company is filled with annoying charges that effect consumers credit. I called XXXX Bank and they verified that this payment had been made and summitted on the XXXX date that XXXX XXXX acknowledges on their recording. I do not want anything showing late mortgage payments. I already have a complaint against this company with 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 2021-03-29
Company: Consumer Financial Services
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: Credit inquiries on your report that you don't recognize

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
this complaint comes after exhausting all my administrative remedies against XXXX to fix and error in their part after a fraudulent charge was disputed for XX/XX/2017, corrected and XXXX never cleared the late payment this charge caused. 

i have disputed this issue with the bureaus and XXXX without a successful resolution to the issue. additionally XXXX never notified me properly about this damage to my personal credit report until i had to pay the consequences of the FICO score drop with all my finances. 

i pray and request XXXX clear this late payment reporting on my presonal credit report for the month of XX/XX/2017.

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 2020-08-27
Company: Experian Information Solutions Inc.
State: GA
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 AM A VICTIM OF IDENTITY THEFT. MY PURSE WAS STOLEN AND MY ID WAS ALSO STOLEN. I AM BEING FURTHER VICTIMIZED BY THIS BEING INACCURATELY REPORTED ON MY CREDIT PROFILE.

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 2020-08-25
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I applied for a home mortgage through Wells Fargo. They collected XXXX for a rate lock, and we began the build process with our home builder. We were pre-qualified, and after paying for the lock we thought all was set. I am on salary continuation ( severance ) from Wells Fargo, and was fully transparent with XXXX XXXX, and his assistant XXXX about that fact. I asked - what will we need to do to prove my retirement income will carry us with this mortgage, etc. XXXX answered well, you will still be employed at closing, yes? So, we heard nothing back, and a few weeks ago, I broached the subject again with XXXX. The underwriters were asking me questions, and I asked what we should be providing, given our situation. Our closing date was set - furniture ordered, blinds, services, etc. and at the 11th hour, they called a halt. We are apparently required to show a distribution of my XXXX. Fine ... but the problem? WELLS FARGO will not do this?! So, XXXX are of Wells Fargo needs something from my plan that the other branch WILL NOT PROVIDE. Now, we are in jeopardy of losing our XXXX deposit, our home, and as I am recovering from XXXX, this whole thing is about to upend our entire lives. We now have to attempt to get another lender, and may not be able to go through the process in time. This whole thing was completely unethical, and the bank has policies that war with others. I have XXXX coming to me when my severance period is over, but until then, I am still considered employed. We own another home, and my income is XXXX per month, and yet, they wont support picking up the distributions as planned when my employment ends with the company. 38 years, Ive been an employee. We own another home free and clear, along with 2 vehicles, and yet, they wont move forward approving our purchase. That is one thing? But the fact that we were told to just shove this under the rug, when we could have worked with a different lender, the one who offered us the mortgage in the first place. I chose WF because I am still employed there. I want our money back, and I want our unethical treatment to be dealt with.

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 2020-05-30
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citibank is refusing to honor its offer of XXXX XXXX XXXX miles in return for opening a new account, paying online bills on the account, and using the account 's debit card to make a certain amount of purchases. I fully complied with the terms of the offer, yet Citibank is refusing to give me any of the miles it owes me. 

In XXXX or XXXX of last year, I received in the mail a brochure offering XXXX Aadvantage miles if I opened a Citi Priority Account package of {$50000.00} or more, spent {$750.00} on purchases with the account 's debit cards within 60 days, and made a qualifying bill payment for two consecutive months within the same 60-day period. On XX/XX/XXXX, I opened the account package at the Citibank branch at XXXX XXXX XXXX in Washington, DC. I presented the brochure to bank officer XXXX at the branch and he assured me that I would get the XXXX miles if I opened the account and fulfilled the rest of the terms with the debit card purchases and the bill payments. He added that IN ADDITION to the airline miles, I would receive a {$600.00} bonus for opening the account package. 

I opened the account package, and made the debit card purchases and bill payments within the 60 days. On several calls to Citibank 's national office, company officials confirmed I had complied with all the terms and would soon be receiving the miles. Yet I kept checking my Aadvantage account and seeing that the miles hadn't been added. Finally, when I called the national office in XXXX, the official suggested I talk to the branch manager at the location where I opened the account, and that's what I did. 

Yet when I talked to the branch manager, XXXX XXXX, she told me something completely different from everything I had been promised by XXXX and the officials on the phone. She said that because I received the {$600.00} bonus, I would not be receiving the XXXX miles. I told her that XXXX assured me I would receive both the miles and the bonus when I opened the account, and she conceded I made a mistake. She said he was mistaken. She told me I may be able to still get the miles, but only if I forfeited the {$600.00}. 

This is not acceptable to me. Had I been offered the choice as either/or at the time, I would have chosen the miles. But now I find it extremely problematic to forfeit the {$600.00} after being promised both. First, I think companies like Citi should keep their word. Second, I've already budgeted the money. And third, I've already received a 1099 tax form for the {$600.00}, so I'm expected to pay taxes on money I would now have to give back. 

Please help me and other consumers by ensuring that Citibank keeps its word on its offers to consumers.

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 2020-01-29
Company: AMERICAN EXPRESS COMPANY
State: GA
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 reviewing my last bill, I noticed that XXXX XXXX had charged us {$39.00}. Neither my wife nor I had authorized this charge, and I submitted a dispute to American Express. 

American Express did not investigate but on the day after my complaint reinstated the charge, solely on the basis of a document ( referenced in the attachment ) with XXXX XXXX ' name and the amount of the charge and our American Express card number. I immediately renewed my complaint through the American Express chat function, explaining that somehow XXXX XXXX had my card number but that we were not receiving any services or publications from XXXX XXXX. 

I received no response to this second objection through the chat function.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I called the customer service number XXXX XXXX XXXX XXXX on the back of the credit card and spoke to a customer service representative named XXXX at XXXX XXXX. on Monday, XX/XX/XXXX. I informed her that I did not request a credit card and I wanted to make sure there was no account in my name. She asked for the credit card number, which I gave her. She then asked for the last 4 numbers of my social security number, which I did not give her. She said that she could not close the account without that information. Since I never opened an account, there should not even be an account associated with my name. 

I received a second unsolicited communication from XXXX XXXX today ( dated XXXX XX/XX/2018 ) providing additional encouragement to use this card, which I did not request.

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 2019-03-28
Company: Experian Information Solutions Inc.
State: TN
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:
There are many mistakes appear in my report without my understanding.

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 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Information inaccurately reporting. 
1. XXXX XXXX bankruptcy not my account. 
2. XXXX XXXX paid as agreed. 
3.NE XXXX XXXX XXXX XXXX XXXX agreed was never delinquent on XXXX & XXXX of XXXX 4.XXXX  XXXX falls under XXXX XXXX XXXX act paid in full. 

5 XXXX XXXX XXXX  purging and re-aging the account. Account being paid as agreed.

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 2021-01-20
Company: EQUIFAX, INC.
State: GA
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 am a victim of identity theft and I have submitted a FTC report along with 605B letter and the credit bureau will not delete inquiries and collection account off my credit report. They refuse to follow the fraud guidelines that they have laid out!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX my attorney was a victim of identity theft and someone hacked into her email. I reached out to her through email concerning my retainer fee. " She '' responded saying I can send her the retainer fee through Zelle with my XXXX checking account to her accounting clerk XXXX XXXX XXXX " The Hacker '' ). I sent {$2200.00} through XXXX XXXX Zelle. {$1000.00} on XX/XX/XXXX and {$1200.00} on XX/XX/XXXX. I had to switch attorneys as of XX/XX/XXXX because my attorney had become a supreme court judge. In the process of closing her law practice she was going through her emails to make sure there were no loose ends that's when she noticed the interaction I had with her hacker and the money I sent over to her but in reality her hacker. I reached out to XXXX and they there is nothing they can do because Zelle is not their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Phoenix Financial Services LLC
State: FL
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: Was not notified of investigation status or results

Complaint:
XX/XX/2018 A collection agency Phoenix Financial Services reported a past due owed to the establishment in the amount of {$570.00}. I was not notified that there was an account with them, nor do I have a signed contract with this agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
over 20 year since collage all account is close and should be deleted from report every month there is an update but there is no change in report and i keep doing disputes like every month i think the department of education might have an illegal hold on my account i have contacted them on seval occasion

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