BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: MO
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: Global Credit & Collection Corporation
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This Debt is in Valid since it was a result of Fraud # XXXX {$740.00} XXXX XXXX XXXX   acct # XXXX i dispute the validity of this debt as fraud as i did when creditor was notified of fraud years ago. Cease and desist all collections and remove delete my name from all collection files by Global Credit Collection Corp.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently noticed a unauthorized account on all three reports. I disputed the XXXX XXXX account and it was removed from XXXX. under the FCRA, any item found inaccurate or unverifiable information must be shared between all three bureaus. Transunion and XXXX have refused to follow the guidelines they have in place or provide proof used to verify data repoerting.

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 2021-05-02
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently especially during these rough times of COVID-19. This was my only source of income & they will not give me a reason nor will they release my money that I had saved and stored on the platform. My emails linked to my PayPal is XXXX & XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Mortgage company : Carrington Mortgage Service, llc Loan no : XXXX on XX/XX/XXXX requested a payoff statement. On XX/XX/XXXX paid the total amount to pay loan in full requested in the statement ( {$97000.00} ) via wire transfer ( documentation is available if needed. ) While waiting for the releasefof the lien, another monthly statement was received. immediately called CMS. they had no knowledge of the loan being paid off. Asked them to provide a fax number so I can send them all the document proving the payoff. Faxed 13 pages of documents and a personal written request for the release of the mortgage to all 3 fax numbers that they had provided us. 
on XX/XX/XXXX we received an escrow refund check for {$2200.00} From CMS, which usually means that the loan was cancelled, but still it was not release.

Meanwhile since the monthly payment was not made it became delinquent and late charge notices started to come in. They also reported the delinquency to the credit bureau and ruined my perfect credit score.

Called CMS, four more times. Each time they provided us ( myself and my authorized user ) with different fax, phone and mailing address to send them our documentations. They also escalated the " problems '' to their " managers '' and we were going to hear something from them by Monday XX/XX/XXXX. Nothing happened. 
Instead they invoked foreclosure based on " terms of " my " mortgage contract. '' I have done everything in my power to stop foreclosure and release the mortgage ; faxing documents, contacting CMS on numerous occasions, sending certified mails to all branches of CMS, including their California, Arizona and customer service offices, notifying HUD, by certified mail, of the problem ... but have not been able to cancel the loan. 
Since per Georgia 's law lenders are required to cancel a security deed within 60 days of full payment, how can I hold them reliable for failing to cancel the deed and is there anything that your bureau can help me with? 
I thank you in advance for a ) taking the time to read this complaint, and b ) for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CITIBANK, N.A.
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
Citibank has twice determined that we are responsible for a fraudulent charge on our credit card. They advised that we are responsible because the card was in our possession at the time of the charge. Per the bank, the transaction occurred on XX/XX/XXXX at XXXX XXXX CST, in XXXX, XXXX. We can prove that we were in the United States at that time and we have provided that proof to Citibank. 

We visited XXXX from XX/XX/2021 to XX/XX/2021. We made a purchase at a t-shirt shop while in the XXXX on XX/XX/2021. During that purchase, the shop owner took our card out of the store for 10-15 minutes saying she could not get internet reception on the card reader. We think that somehow the card was tampered with during that transaction. My husband tried to use his card after that and it did not work. 

The disputed charge was for {$7300.00} from a liquor store in XXXX. We did not enter a liquor store while we were in XXXX. Furthermore, we left XXXX on XX/XX/XXXX to go to the XXXX, and then flew to XXXX XXXX 8hrs from XXXX XXXX, and then flew back to the US from XXXX on XX/XX/XXXX, the day prior to the charge. This charge was completely out of character for us ; we have never spent anywhere close to {$7300.00} while out of the country. In addition, a second charge was made after the first for {$7700.00} from the same company. We received a text regarding this charge and immediately advised that we did not make the charge. We called Citibank as soon as we received the text and cancelled our cards and obtained new cards.

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 2019-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
I contacted TransUnion via certified mail regarding a public record that they are inaccurately reporting on my credit profile. In my initial letter that was signed and received by TransUnion on XX/XX/18, I requested verification of the public record. TransUnion responded on XX/XX/18 indicating that the public record had been verified. I replied to their correspondence requesting the procedure for verification as I was concerned that the matter had not been subject to adequate investigation. I explained to TransUnion that I contacted the court indicated on my credit profile and the court denied providing any verification to TransUnion regarding the public record being reported. TransUnion is indicating on my credit profile that the public record was reported by the court while the court is denying they made any verification. I also provided letters to TransUnion confirming security freezes and opt out status from XXXX, XXXX, and XXXX that I was granted due to concerns of inaccurate items on my credit profile. 

It has been more than 30 days since I initially contacted TransUnion regarding this matter and despite requesting information regarding the specific contacts made ( persons TransUnion spoke to or contacted to verify the information they're reporting ) and process for verification of this item, TransUnion continues to refuse to properly verify the information they are reporting. The item has not been listed as disputed and the item has missing information noted in the tradeline. TransUnion is required to provide full and accurate information and provide verification when requested. Despite my ongoing requests, TransUnion continues in their failure to properly investigate and verify this public record.

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 2020-06-25
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I used the wrong bank account to pay a bill, when I alerted them and told them to STOP and I will pay from a different account, they said their system tries to automatically withdraw it 3 times. Each time Citi tried to withdraw from my bank would incurr a {$30.00} fee for insufficient funds. I tried to pay the bill online but CITI 's system won't allow overage pay, so I couldn't do that either. In the end, I was out {$90.00} in fees from my bank, {$29.00} in fee from Citibank.

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 2019-01-03
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am a signer on my Mothers bank account. My Mother passed away on XX/XX/XXXX. The bank refused to close the account stating they have to return funds to Social Security Administration. My Mother has a direct deposit with the Social Security Administration, and the Administration automately deducted the payment that was made to my Mothers account after her passing. The bank continues to leave the account open after almost a year, charging monthly fees, and refusing to remove my name from the account. I have communicated with the bank over the past several months. In detail during the month of XX/XX/XXXX, after going to the social security office, and being advised the bank was inform on XX/XX/XXXX, that Social Security Administration was not seeking any additional repayment outside of the auto pay that was reversed in XX/XX/XXXX 
After my communication with the bank on Thursday, XX/XX/XXXX, the back added addition charges, which were previously removed months ago, back to the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-02
Company: EQUIFAX, INC.
State: TN
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 received a copy of my credit report and noticed fraudulent accounts. this is stopping me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My name is XXXX n i have a checking acountt with hsbc.. i got debit and credit card both.. but i never knew that one mistake i made n which is very badly hustling me.. beacuse i m saying it, if i knew i would have never done that, cz i have a good transaction sith hsbc., Scenerio ... 
On of my friend advise me to do online survey.. i did to be honest.. and i got a check from them too.. i dont remember the company name but i got it USPS service at my home address.. n when i received thst i was happy n excited.. n also i never knew or know ehst is fake check n what is good check :. So i deposited thise checks in my account .. if i knew yhat the check eas fake.. i would never do that.. even when i saw that deposited has made, i promise i havnt spent a single XXXX from that deposite.. and so on.. i promise if i knew i would have never done that. So next day when i sit to make a payment for my husband, i saw that my card was block and my account was suspended.. so i called the bank in the main time n they told me that something fraud related happen so they r connnection me to them, more than 30/35 mins til todays date i call them but no respont.. after than inwent to bank n talk with a represtator, n she explain me .. what actually happen plz help me now with this.. plz its a request ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
As it pertains to the credit bureau of XXXX, Equifax, and XXXX and the creditors involved I am disputing the valid nature of 9 accounts listed in this dispute, as circled in the XXXX   credit report attachment. Since XX/XX/XXXX when I first got alerted of my stolen identity, I filed for a police report which was already relayed to the 3 credit bureaus on my originally filings. In my original fillings I disputed the creditors I have filed against and I also filed a police report on XX/XX/XXXX about my identity theft. In order to clarify these creditor accounts as not being a part of the identity theft, I wanted to verify the original handwritten signatures and the original contracts for each of these creditors that were circled in the XXXX XXXX XXXX report. I wanted to file this request according to the section 609 of the Fair Credit Reporting Act. Please verify these accounts according to my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
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: Information belongs to someone else

Complaint:
I have accounts that are part of my identity theft case showing 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 explanation
Consumer complaint received 2019-01-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I wrote a letter to Equifax asking them to verify two accounts on my credit report. The accounts in question were XXXX account number XXXX and XXXX XXXX account number XXXX. Their response to me was that they needed to verify my address before completing the request however in my original letter to them, I included a copy of my driver 's license, SS Card and a recent utility bill that included my address. This address was also the address that was at the time and currently is on my credit report with Equifax. Their response included examples of items that I could send to verify my address including a Driver 's License, Mortgage or Deed, rental lease, utility bill among numerous other examples. Again, these documents were included in my original letter to them. I called to follow up and explain that I had already sent the documents that they requested, but the agent on the phone filed an additional dispute which reset the 30 days that Equifax had to respond. This was not my request. I was only calling to ensure that Equifax received my original supporting documents. I later received an email detailing the results of my dispute. When I logged on, I read where the results were mailed to me. I called Equifax to see where the results were mailed and I was informed that they were mailed to a PREVIOUS address on my file and not the CURRENT address that was reporting on the file at that time. This is a stall tactic and it will not be tolerated. It is also a violation of the Fair Credit Reporting Act. Not only did they not verify the accounts in question, they stalled the request by asking for additional verification which was already sent with the original letter and by sending the follow up to a previous address. 

Neither XXXX XXXX nor XXXX were able verify the aforementioned accounts so they followed the standards and laws set forth by the Fair Credit Reporting Act and removed the accounts. They deserve recognition for their adherence to the FCRA and I am pleased with their thorough investigation and follow up. I, however, can not say the same for Equifax. They have already lost the trust of millions of consumers for their carelessness in the company Data Breach of XX/XX/XXXXand they are continuing to fail at thoroughly doing their job to accurately report consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: I.C. System, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX services sent me to collections for {$110.00}, they claimed I never returned my residential account equipment when they installed my business account in the same address. I changed from residential services to business account in XX/XX/XXXX. They waited over 1.5 years to inform me of this un-returned equipment. after they research the equipment and realized I didn't have it they removed the balance they claimed I owe them. Nevertheless, they already had send me to collections. The collections Agency is called IC System and they work for XXXX as their collector. IC system illegally reported erroneous information to my credit which is affecting my ability to obtain new contract in the line of business I work in. 

Now, it has been six months I've asking XXXX to provide me with some type of documentation to proof IC systems I don't own this money. XXXX  have submitted numerous amount of tickets with the intent to inform IC systems i dont owe them this money. However, this tickets have lead to no resolutions. 

XXXX refuses to call IC Systems and IC system say they dont call their clients to confirm the account status. I do have recorded conversations where they acknoledge they cant provide me with written documentation to resolved my dispute ; also, i have recorded my conversation with ic system where they acknowledge that they dont call XXXX. 

If they are doing this to me, i am sure they are doing it to other consumers as well. 

please, help me in getting this resolved and help consumers not having to jump thru hoops to be treated respectfully and fairly.

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 2019-01-03
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I switched providers from XXXX in XX/XX/XXXX. I was sent a box to return my phone but I never received a box to return the " free '' tablet. I called them repeatedly requesting the return box. I also emailed and " live chatted ''. I have been told 3 different stories by XXXX so far. 
1. A box will be sent to you and just follow the instructions like you did with your XXXX XXXX. 
2. Go to a XXXX Store and get a return box there. Every XXXX store I have gone to said they carry no such boxes. 
3. Just return the tablet to a XXXX store, no XXXX store I have gone to will take the several years old " free '' tablet. 
Then they put it in collections, I offered to send the tablet back at my own expense and they went back to the box coming, then store for box and then return to store song and dance again. Naturally I appealed the collection and won. XXXX then put it in collections again. I appealed to this new agency and won again. This current collections effort marks their 4th effort to get me to pay {$230.00} for a 5 year old " free '' tablet. Each time they put it in collections, it hits my credit reports. Even after I successfully appeal it takes months to get my credit report straightened. I will gladly ship this tablet back at my own expense. I will even drive somewhere and hand deliver. What I will not do is pay them for the tablet. i did not have to pay for the phone I returned, my mistake was not shoving the tablet into the box even though it was marked for the phone only. Please note the date of their latest collection effort XX/XX/XXXX, which further proves that I have been fighting with them and their various collections agencies since my decision to terminate XXXX  in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have paid over XXXX for my car. According to the years reported on my credit report the loan amount is XXXX. At this time the agency reports that I still owe XXXX. I do not understand why. Furthermore, this vehicle should be written off according to the SantanderMulti Settlement where car dealership made fraudulent reports on credit application. Santander was made aware of this on XX/XX/XXXX after finally providing me with a copy of the application with the assistance of the XXXX. On XX/XX/XXXX Santander respond by saying sorry with no other information to resolve this matter. Santander was also made aware of the XXXX XXXX XXXX forgery as well. 

I have attempted to get this resolved for since the settlement offer, however Santander has continued to be noncompliant in providing accurate information. In fear of my car being repossed. I had to sign another contract until the year XXXX. 

I need help removing these accounts that negatively affects my livelihood.

Company response to consumer: Closed with explanation