BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-24
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: Was not notified of investigation status or results

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX Company Inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-26
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I deposited a check in my Chase account for {$4200.00}. Yesterday. Chase Bank flaged it. 
It is from Illinois Housing. They wanted to call the issuer of the check. I gave them the phone XXXX. They said it was not an authorized phone number and they refused to call it. They locked my bank account and refused to give me any funds. I told them it was important that I pay my rent and they did not care. I paid my XXXX XXXX bill and it bounced because they did not accept the check. Now XXXX XXXX is also locked. I can not purchase anything right now because both of my financial institutions locked my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: CAINE & WEINER COMPANY, INC.
State: NV
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I the consumer NEVER gave transuinion writing consent to report theses accounts listed! every day a new violating is added and I will be sending over my invoice and filing a case in small claims court in regards to this matter! my attorney is on standby if we can not rectify this IMMEDITALY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: Colony Brands, Inc.
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Colony brands have been sending broken items not sending items for the last few months. They even shipped my shoes to Florida and shipped a lady from Floridas shoes to me. Me & the lady connected on XXXX. I will contact colony branch to return these items. This last time Colonie brands didnt wan na pay for a box to ship a chair back that was damaged. All of a sudden, my account is basically closed without my knowledge after colony brands gave me a credit increase. This company is now reporting to the credit bureau that my credit limit has decreased, which would decrease my credit score and this is false information. Call me branch stated that they can not please me as a customer because I wont accept their broken items or damaged items. I am OK with my account closing, but lying to the credit agency, saying that my credit line decreased because of something that I did wrong is lying, and it is against the consumer reporting act. I am OK with colony branch closing my account out, but you will not report to the credit agency negative on my behalf. XXXX my balance out on XXXXXXXX XXXX XXXX XXXX  and we can call it a day. You will not pass report to the credit agency negatively on my credit because youre products dont come to my house and when you do send the products, I get them broken or missing items. I will take this legal, it is a violation and I would not have it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Freedom Mortgage Company
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home on XXXX XXXX through XXXX XXXX  in XXXX XXXX. I fully funded as a part of closing my escrow account to cover property taxes for 2019, which were approximately {$9000.00}. XXXX XXXX  paid these property taxes. Shortly after the sale, XXXX XXXX  sold my mortgage to Freedom Mortgage, based in New Jersey. Freedom Mortgage then proceeded to also pay my property taxes, in effect paying my 2019 property taxes twice. Freedom mortgage, without informing me, then increased my monthly mortgage payment from around {$2800.00} a month, to {$3600.00} per month to cover what they said was an unexpected deficit in my escrow account. Theyve admitted to me that this deficit is due to the mistake they made in double paying my mortgage, but have been unwilling to lower my mortgage payment to the regular level until they recoup their overpayment from XXXX XXXX county. I believe I am being taken advantage of. They made the mistake, yet I am having to pay an additional {$750.00} per month because of a mistake they made. I want to know what my rights are and if theyve violated the law, I would like financial penalties imposed on them to compensate me for the time, stress, and worry this has caused me, not to mention a much higher payment which has put tremendous strain on my finances during the Covid 19 crisis.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We have sent 4 wire transfers from XXXX XXXX  to chase bank as below as an investment to a XXXX XXXX and discovered that they are all fraud and scammers accounts. We worked with XXXX XXXX to communicate with chase bank to reimburse our funds as they are responsible for not identifying the fraud accounts but they were not responding. So I want to complain on Chase bank for not responding and for not reimbursing my funds. 

Date and amount of traansfers XX/XX/2023 - {$30000.00} XX/XX/2023 {$20000.00} XX/XX/2023 {$25000.00} XX/XX/2023 {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been 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 2021-02-03
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hi, I have reach-out XXXX XXXX since XXXX. I have sent letters asking to show a contract with them with my wet-ink signature. They refuse to acknowledge. I recently sent an affidavit of notice dispute the debt received on XX/XX/XXXX. Tracking number is XXXX. They did not answer. An Non-respond affidavit in commerce is accept the complaint as true. Receipt of this AFFIDAVIT OF TRUTH & FACT requires a response as stipulated above, acquiescence will be your answer to all below statements if respondents fail or refuse to provide a written response in the form of a rebuttal Affidavit. Acquiescence means A persons tacit or passive acceptance ; implied consent to an act. Review Morris vs. NCR, 44 SW2d 433 which states : An Affidavit if not contested in a timely manner is considered undisputed facts as a matter of law. Also, review U.S. vs. Pruden, 424 F.2d 1021 ( XXXX ) which states : Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. XXXX XXXX did not rebuttal any point-to-point answer with their own affidavit. I also filed a postmaster criminal complaint under title code 18 U.S.C ss 1342 fictitious name and address and title 18 U.S.C. ss 1341 Fraud and swindling. XXXX XXXX only sent a general letter that does not address any of my complaints or any proof of a sign contract. Under the Law, there must be a signed contract for them to collect a debt. WHERE IS THE CONTRACT SIGNED BY ME. SHOW ME THE PROOF? I finally filed a U.C.C. 1 financial statement with the ILLINOIS SECRETARY OF STATE placing a lien on my estate claim the name. I also filed with the ILLINOIS SECRETARY OF STATE COMMON LAW TRADEMARK AND COPY RIGHT NOTICE. The Illinois has accepted the filing and the lien number is XXXX and XXXX. XXXX XXXX will have to a do a U.C.C Lien search to get confirmation. ILL and certified the lien on XXXX time 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 2023-11-01
Company: CITIBANK, N.A.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We have sent XXXX wire transfers from XXXX XXXX to Citi bank as below as an investment to a forex broker and discovered that it is all fraud and scammers account. We worked with XXXX XXXX to communicate with XXXXXXXX XXXX to reimburse our funds as they are responsible for not identifying the fraud accounts but they were not responding. So I want to complain on Citi bank for not responding and for not reimbursing my funds. Date and amount of transfer was XX/XX/2023 {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: CITIBANK, N.A.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was sent a credit card by Citibank AAdvantage card on XX/XX/2022 that I never requested or filled out. I called them immediately and reported fraud. None of the data they had matched me but it was sent to my house. Later I found out that the address was in XXXX TX. I never lived in Texas and don't know anyone in XXXX. XXXX I applied to finance a mower and was turned down. I have impeccable credit or I did, and that is when I found out that there was over {$16000.00} made on a card I don't have. I called the bank immediately and they cancelled the card and sent to their fraud department. They would not connect me to the fraud department and they were supposed to call me back in 2 hours and nothing! Had they done their job when I called them when I received a fraudulent credit card I would not be in this situation. I now have to go through all of this to clear this up with no help from them! They can not tell me where the purchases were made or any proof I made any of these purchases on a card I never applied for or used. I have contacted all three credit agencies. 

Citi was not very helpful and I don't trust they will resolve this as they did not take care of this when I called when I got the card.

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 2023-11-01
Company: CAVALRY INVESTMENTS, LLC
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXXXXXX XXXX XXXX  I entered into a debt settlement arrangement for multiple debts via XXXX XXXX. Majority of my accounts are now settled and have been paid in full. Two accounts remain that I am paying via a direct debit from my account every two weeks, which is added to an account with XXXX, and from XXXX, they send payments to the two creditors that I have settlement agreements with. 

Both of these companies are reporting to my credit as being in collection and delinquent. However, they have been in a settlement and repayment status for over a year. Most recently, the larger of the two appeared on my credit report and caused an alert to come up at my job. I have tried disputing the information via my credit report, and I have also sent letters to the companies requesting that they cease reporting this information as it is inaccurate. It is quite frustrating to be doing everything I am supposed to be doing, holding up my end and making my payments to make these things right, only to be harmed and put under question in my career due to false information being reported. How can these companies claim I am not up to date, when I have a company submitting payments to them regularly? Even when I uploaded the proof that they are in active settlements to XXXX, the results remained the same. What is the point of me having been in this program for XXXX years now, getting charged all this money every month, to be treated as if I have simply ignored the debts and be punished as if I blew them off when that is the farthest thing from the truth? I sincerely hope you can help me get this resolved. I am more than willing to escalate my complaints to the state Attorney General 's office as well if that can help me. I have attached a copy of my XXXX  XXXX XXXX  summary which I have highlighted the two accounts in question, one with Calvalry Portfolio Services, the other with XXXX XXXX, which shows the original balances, the settlement agreements with fees and what I currently owe as of a week ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
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:
I had the absolute worst experience with my new Citi card. On XX/XX/XXXX I called about a transaction ( XXXX ) that I wanted to dispute because I could not use that merchant services and did not get a resolution from them in terms of cancelling those services and getting my full refund. The citi representative advised me to close the card so that pending transaction does not go through in the first place and that they would send me a new card. Long story short that was a misinformation because the transaction did post and I ended closing that card for absolutely no reason because they never processed that dispute and it took 4 more calls to get that new card shipped to me. I called Citi again this morning XX/XX/08 to see what the status of the dispute is and why I can not see the temporary credit that I was promised on one of those calls but again I did not get any help at all. In fact the account supervisor XXXX ( ID # XXXX ) did not find any dispute in her system andwas the rudest and most incompetent customer service rep I've ever 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 2017-07-31
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I respectfully requested that your office provided me with competent evidence that I have any legal obligation to pay you ( SYNCB/AMAZON ) regarding account # XXXX. This was NOT a request for verification or proof of my mailing address, statements of the alleged account, or summary of when the alleged account was open, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Now, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: DISCOVER BANK
State: FL
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 applied payment through XXXX account online. Bank smpulled from wrong account. This had happened more than 3 times now. I need to have any returned fees back to my account. I have paid on time and thousands onthis card. Their system is automatically pulling feom bank of their choice. I've co tasted their customer service and sarcasm and ignorance is what they provided. I would like to jave payment pulled fro. My account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, 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:
There is a number of unauthorized inquiries and credit acceptance account, green dot I have notified the bureaus multiple times of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: ACIMA CREDIT, LLC
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:
We purchased some beds from XXXX XXXX. While we were there the company stated that they were not going to go through one finance company but another one. So after a few months we got that one paid off. Then another company ( Acima ) tried taking money out our bank account. We were not sure who they were so we  filed fraud. We called Acima and they told us to call XXXX XXXX. We called XXXX and they said we see you with the other company ( snap finance, the one we paid off ) so we reported fraud. We tried to talk to Acima several times but all that was said was to contact XXXX. We finally called XXXX again and got someone else ( the back and forth had been going on for months ) the new guy said no you got beds through XXXX and mattresses through other company. We immediately called Acima explained everything and got up to date and have been up to date since. The owner of XXXX tried to call Acima to straighten everything out as well and they would not talk to him as he is not on the lease. A supervisor stated they would take off the 60 day late off of XXXX because of the HUGE mishap as it was not our fault. She said to dispute on XXXX so it could be updated and fixed. We disputed on XXXX. It showed we were up to date but the 60 days has not been taken off. We have been back and forth with Acima and a gentleman there named XXXX stated someone named XXXX who is in charge of the credit department would call us the next day so we could get XXXX fixed or get sent a letter of deletion which still has not happened. We have been calling and back and forth with Acima all week and have not gotten anywhere. They told us they would remove the 60 day late fee on XXXX as it was not our fault. We need a letter of deletion to be able to do it ourselves and everything I have stated IS IN THEIR NOTES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My balance was {$2200.00} and I made payments totaling {$1500.00} prior to my due date of XX/XX/XXXX. The payment amounts and dates are as follows ; XX/XX/XXXX {$100.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$700.00} XX/XX/XXXX {$15.00} However I was charged interest on a balance of {$1800.00} when I shouldve only be charged interest on a balance of {$700.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Atlas Credit Company, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have repeatedly stated to them I am currently unemployed, Ive made whatever payments I can, they call me back the very next day to ask for more. Hang up on me when Im speaking to them and they dont like what I have to say. Ive advised I applied for unemployment but was denied and looking for work. They are rude, call from personal cell phones, and send messages about me whining and crying. 

Attached is a message from them directly to my phone.

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