BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-24
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Approximately two years ago I went to Sears in XXXX XXXX Texas to purchase a new dishwasher. After I selected one, the salesman said, No need for you to write out a check. Ill just open a credit card account for you. Unfortunately, I allowed him to order a Sears Mastercard for me. I was the only signature on the application for the card. I received the card by mail and made the payments as required by the statement. 

My wife left me on Monday, XX/XX/XXXX, without my knowledge, and moved to Oklahoma. I did not realize it then, but the paper statements I had been receiving by mail, stopped. She instructed Sears to begin emailing the statements to her. Sears should have contacted me when she started using the card and, most definitely when she instructed Sears to send her a card in her name. She continued using the card in Oklahoma and making the minimum payments required. In XX/XX/XXXX I received a paper statement from Sears. The amount due was over {$10000.00}. I phoned Sears Mastercard and made a fraud accusation. I feel that it was Sears Mastercards responsibility to call me and tell me that the statements had been changed from paper to email ; or at the very least, let me know that there was increased usage on the account and that she now had a card in her name on this account. I would have immediately canceled the card. Sears Mastercard sent me an updated statement with a balance due of {$2400.00}. They have now sent me another statement in the amount of {$10000.00}, with a letter saying they are finding ME responsible for these charges. 
I have been receiving multiple phone calls a day that are rude and demanding. I dont feel this case has been resolved. In addition, I feel that if the company had conducted themselves in a professional manner and contacting me at any time to inform me of the changes being made on the account, I would have been able to avoid this whole situation. I have always paid my bills in a timely manner and retained a credit score at approximately XXXX. Due to negative information given to the credit bureaus by Sears Mastercard/Citi card, my credit score is now in the mid XXXX. 

By reading the information on the website consumer.ftc.gov, it seems to me that the charges made on my card after XX/XX/XXXX are unauthorized and my responsibility ends at {$50.00}. 

Your help in this matter would be appreciated. 

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 2020-05-05
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$290.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a Credit Repair Organization, Transunion has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXXXXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX  XXXX never late XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine

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 2021-05-26
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I submitted a Factual dispute to XXXX, XXXX  and Experian on XXXX XXXX. It was regarded a late payment and incorrect reporting as well as inaccurate account numbers discrepancies in the difference dates of the reported late payment on each credit report. I submitted supporting documents and never heard back. My reports never updated to show account in dispute. I made several calls to them and nothing was done. I waited at least 45 days and called and one by one each credit bureaus claimed to have completed their investigation and never mailed me any proof. XXXX  actually removed the late payment and then reinserted it back on credit report. Experian has a 90 day late reporting for XX/XX/2018, XXXX  has it showing XX/XX/2018 and XXXX  has it showing late XX/XX/2018. I further disputed the way the late was reported. No 30 or 60 day late the jump to 90 day late which the FCRA 609 guidelines clearly states is unlawful.

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 2021-09-13
Company: Global Lending Services LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
GLOBAL LENDING SERVICES committed fraud when they created an account on my behalf ; Pursuant to 15 U.S. Code 1693 ( a ) Account means savings account or deposit account. I the consumer have never done so nor will I ever. The language used on the bill was that youve given me XXXX but you say that I owe you. When a debt is owed it is shown with ( - ) before said amount, so this means that Ive been credited. As a consumer with open ended credit, I want my account credited. I am REFUSING TO PAY BECAUSE I AM THE MASTER CREDITOR AND ISSUER OF CREDIT. I will not be paying this alleged debt nor any future alleged debts. Pursuant to 15 U.S. Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which you XXXX XXXX are in violation as I never gave you my information directly ; Please also define loan or borrower under the FDCPA. Also according to XXXX  XXXX banks have been bankrupt and can't lend or extend credit so please explain to me who the original creditor is?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: LoanCare, LLC
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX I needed a loan modification and HUD agreed, and gave me a partial claim loan for XXXX. I purchased the house for XXXX in XXXX and currently owe XXXX. I was only behind XXXX. That leaves XXXX that I owe HUD and XXXX to the mortgage company. If I was only behind XXXX why do I owe so much to HUD on top of my mortgage. My payments monthly are XXXX and wasn't lowered that much. I'm asking the company for a break down to better understand how I'm behind XXXX. It's like I'm paying for money I didn't receive and where have my monthly payments been going since I owe more than what I bought the house 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 explanation
Consumer complaint received 2019-11-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Monday XX/XX/2019 my XXXX account was hacked into and the person charged my debit card {$2200.00} which caused my account to be negative. I immediately called the fraud dept of chase bank.I then called XXXX  to cancel the order, received an email confirmation that the order was canceled. chase bank said they will cancel my card and open a claim, and within 12 hrs a temp credit will be issued while they investigate the charges. Tues XX/XX/XXXX, i checked the bank, no credit was issued, i call the fraud dept back, they then tell me, there is nothing they can do because the charges are " pending '' on the account, they can only issue a credit if the charges have " posted ''. I then called XXXX, spoke to a manager, she stated there is nothing they can do about the pending charges, it is on my bank. XXXX did offer to write a letter to chase to explain the order was canceled ... Chase bank refused the letter ... so now this is day 3, my account is still negative, i have no debit card, i cant buy my children food nor diapers ... I am being held accountable for something that is out of my hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion refuses to give me the name of the person who they contacted regarding a reported bankruptcy on my file. The list the source of their information as the US Federal Bankruptcy Court- XXXX . I have contacted the court and they have stated that due to privacy laws, the Court does not disclose information to credit reporting agencies. So, Transunion has not properly disclosed, by law, the person ( s ), or agency ( third-party ) who gave them this information. It is well known that the CB 's contact third party agencies for information ; and these third-party agencies sell information to the CBs. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Court confirmed TransUnion Credit Bureau has never validated or verified the public record entry on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources, unawares to the consumer, and in most cases, incorrectly. A copy of the letter from the Bankruptcy Court is attached that says it does not disclose information to credit reporting agencies.

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 2020-12-08
Company: Paypal Holdings, Inc
State: GU
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
Scammers email from paypal : XXXX : i send him {$500.00} and i was told to request a refund on XX/XX/XXXX but he denied my request. 
XXXX : i send him total of $ XXXXand i request a refund on XX/XX/XXXX and he denied my request XXXX : sending him {$700.00} and someone was using his email and or log into his paypal account by sending it through merchant ship and stole my money. I believe that is a XXXX person and his number was XXXX XXXX XXXX XXXX. I request my refund from him and he denied my request on XX/XX/XXXX. 

I made a dispute to paypal before but paypal close my cases and i couldnt get my cash back total of {$1800.00} and they use it by paying bills and stuff and please can you help me recover those amount? All of those emails are XXXX and a neighbor of pretend to be XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: MS
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:
On three separate occasions, I have discovered that inaccurate information is being reported on my credit file specifically unduly hard credit inquires all ranging different dates. I have tried to contact the bureaus and the creditors directly to dispute what I was under the impression as were soft inquiries that are now presently affecting my credit in a negative manner. I have not authorized such actions for credit and these unauthorized and unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I understand and am aware that inquiries are a factual record of file access and it is the credit bureau that is reporting these unverifiable requests for my credit after I have shown proof that these were not hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Experian Information Solutions Inc.
State: OK
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:
XXXX  ; Experian and XXXX are reporting duplicate entries on my credit report for the XXXX partial account number XXXX in the amount of {$2700.00}. ( Please see page 2 of the attached credit report. ) This incorrect reporting is harming my credit score.

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 2017-11-28
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX several time about removing fraudulent information from my credit report. They are quick to update any and every thing that is given to them but take there sweet time and make you jump thru hoops to correct any false information. 

I am a Victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America offered modifications of 90 days despite the passing of the CARE Act guidelines on Federally backed loans. I accepted their offer for 90 days on my FHA but then started receiving delinquent notices. I decided to make the payment. Credit payment was not applied timely.

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 2018-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/XXXX, as I was performing a payment audit on my California Department of Child Support Services ( CDCSS ) account, I discovered 24 payments totaling {$1100.00} that were sent to a Bank of America ( BofA ) Electronic Payment Card in XXXX. Upon further investigation, BofA states that the account was never activated, and that {$0.00} was sent to California State Controllers Office, which I have since claimed. After further investigation into the missing {$1600.00}, BofA informs me that they do not keep  records for more than 7 years, so there is no way to find out what they did with my funds. 

Fact : {$1100.00} was deposited between XX/XX/XXXX and XX/XX/XXXX Fact : I never received a card ; therefore, it was never activated ; therefore, I never accessed any funds. 
Fact : BofA closed my account, but only sent {$0.00} of the {$1100.00} deposited. 
Fact : I claimed {$0.00} from California State Unclaimed Property Fact : {$1100.00} is missing and I want Bof A to pay me immediately!

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 2020-10-10
Company: EQUIFAX, INC.
State: OH
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:
THIS IS THE SECOND REQUEST TO REMOVE inquires on my report that I did not authorize. Please REMOVE/DELETE these inquiries IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Netspend Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received a letter from President Trump today about my direct deposit of {$1200.00} stimulas check, I never received was directly deposited into my account. When I contacted XXXX XXXX XXXX, they claimed the money was deposited into a Netspend account with an account number I do not have?. I still have my paycheck going to my debit card. Netspend never contacted me about my {$1200.00} STIMULAS check, yet they deposit my paycheck into my account every 2 weeks. I've tried contacting them but the answering service states if you are calling about a stimulas check, please DO NOT CALL. You stay on hold so long, nobody ever answers. I sent messages through their email portal. I filed a complaint with IRS and the FTC. I've been with them close to 10 years. Whenever I close a lost card they always have transferred my money. But last year, I had a problem with them making me pay a fee to transfer my money when they issued me a new card. I paid the fee several times before I eventually got all of my funds off of the card. My check went to some unknown account, I do not have. Then they sent me an email and upgraded my account without my asking, which will close the current account. When I got the card, I chose not to close this account. I questioned the reason why they are sending me this brand new card. I chose not to activate the new card. I want my money back into my account. You see, I know that once you activate that card they will hold back money until they get your ID and SSN info again. With the COVID 19 situation, that may never happen anytime soon. So I didn't activate the card.  That's fraudulent and they do it throughout the year. I don't need a new card, I need my money. 

Here 's what I see when I open my account online : Your upgrade is waiting for you! 
XXXX, if you haven't already received your new Netspend All-Access Account By XXXX materials, it will be arriving soon. When you receive it, open your new All-Access Account and activate  your new debit card. 
Account opening is subject to ID verification and account status ; your account must have a positive balance.

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 2019-04-24
Company: RoundPoint Mortgage Servicing LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I suffered a property loss to my residence that necessitated repairs of less than $ XXXX. Over the last 6 months, I have successfully and without incident retained a contractor and resolved and closed the claim with both participating insurers. However, a small portion ( ~ $ XXXX ) of the Insurance payment is considered 'controlled ' and requires my Mortgage holder to endorse alongside myself. 

I am currently re-submitting paperwork for the 3rd time to Roundpoint Mortgage Servicing to authorize and close the claim with them. They already hold the check that was endorsed and delivered per their stated requirements, but they have provided faulty information regarding the necessary Notarization of the paperwork on 2 separate occasions that has significantly delayed the process. They are currently refusing to accept properly notarized paperwork because my contractor prepared it in advance, and now I am obliged to spend multiple hours resolving this - again - just to get the funds returned so I can pay an outstanding invoice more than 90 days after it was issued.

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 2019-04-24
Company: Experian Information Solutions Inc.
State: IL
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'm have been trying to remove a Fraud alert from all three Credit Bureau. But when Ask XXXX to remove the fraud alert they remove it then send out a notice for XXXX & Experian to add a fraud Alert then it gets placed back on all three of my credit reports. im asking that they fix this issue so that I can get the fraud alert removed from all three credit Bureau. with out it being place back on by electronic notice from the other bureau. that I did not ask to do so. I'm attatching aLetter from XXXX where as they admit to doing this

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