BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made a payment for outstanding balance not statement balance so my payment was more than they required for XXXX payment. Instead of applying the payment to the account because I made the payment through a transfer from another one of my bank accounts they put a hold on my payment preventing me from using my card. I was told because the payment came from another account which they said was recently linked so are they discriminating with my other bank? Its a U.S. operated bank from XXXX XXXX XXXX and there shouldnt be any issues. After speaking with a customer service rep he said because I paid more than the statement balance it confused them even though that was the outstanding balance owed. Am I not allowed to pay back the money even when its not the statement balance? There shouldnt be any issues with this. So instead of applying my credit card payment I only have an available credit of {$160.00} instead of what it should be which is {$1400.00}.

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 2017-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Hi, There is incorrect family relationship information being reported both privately XXXX including to my Bank, XXXX XXXX - and publicly ), that is associating my identify to that of my ex-husband. We divorced in 2002. The information being randomly selected by XXXX XXXX, to verify my identify has to do with my ex-husband and his extended family. This has been an ongoing problem that I am unable to resolve or get additional information as to how this is association is being made / by who. XXXX XXXX insists that they are unaware of how the association is being made, therefor they can not disclose or report back in order to have the information updated, even by me directly. I have tried in the past, to no avail, to directly contact individual credit reporting agencies to see if the linkage is being made through the individual agencies, but have been unsuccessful. I have looked through credit reports and called to core companies of which we may still have an association and no luck there either. 

I need assistance in remedying and not sure who is in the proper position to help. 

Thanks so much in advance.

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 2022-04-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have incorrect information reporting in my credit reports from XXXX. I disputed the information with Experian, XXXX, and XXXX on XX/XX/XXXX but, I never received a response back on the status. I sent another letter to the credit bureaus on XX/XX/XXXX but, no response again. I sent another dispute letter to all 3 on XX/XX/XXXX and just checked my reports, not one thing showing an active dispute. Are these credit bureaus just throwing my letters out? What the heck? They have to process the disputes! And they are just ignoring me. This XXXX account does not belong to me and I don't understand why it's on my report, which is why I disputed the information in the first place. I want to know what this account is and requested a copy of the original contract from the credit bureaus and XXXX to show them that it's not mine but, no responses. How are the credit bureaus allowed to function like this and just ignore people. XXXX! Please have the credit bureaus remove the XXXX account ( # XXXX ) from my credit reports along with XXXX XXXX XXXX ( account # 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 2021-07-20
Company: EQUIFAX, INC.
State: PA
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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: CITIBANK, N.A.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi I just went for a car loan was turned down never was I turned down for a car loan and imm XXXX so have had plenty, credit report as via XXXX is great except a XXXX owed to sears master card on my credit report dont know how i could charge XXXX grand at sears and we dont even have a sears store in wi. for prob 3 years then 6 days later this letter from XXXX XXXX XXXX XXXX XXXX ga. XXXX shows up wainting XXXX so 3 years later the 2nd time I have heard of this debt first time when car dealership says oh we cant give you loan because of this on your credit report says previous creditor XXXX XXXX XXXX. inc. acct number XXXX unless it was my ex girlfriend who liked to charge but 3 to 4 years after sears stores closes give me a break and she has left town no body knows where she moved to just up and left Please help I have no car my son took care of my old car and now I cant get a loan because of this .... thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXXXXXX wi 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 2021-12-02
Company: EQUIFAX, INC.
State: TN
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:
Hello, I have been trying to resolve this error with Equifax for 3+ months and they continue to wait for the bank to get back to them on the information on the report, instead of realizing that they are never getting back to them. 

I had the same issue with this bank and the credit reports with the two other bureaus and they both came to a conclusion to remove the late payment on my report after waiting 30 days from the original date with no response. 

I am not asking for anything crazy, I am just trying to remove a false derogatory mark on my report and move this forward, this waiting game is hurting my credit score by over 100 points in comparison to the other bureaus. 

My first complaint on this problem was on XX/XX/21 with complaint XXXX. 

The second to get an answer was on XX/XX/21 with complaint XXXX. 

Today I am submitting this on XX/XX/21, more than three months after the original date it has taken to solve this problem. 

If you need a refresher, the original complaint was that I couldn't link my normal bank account with the filing bank where the loan was from so it was impossible to pay the loan on time, I reached out to the bank about this issue with no response and couldn't go in to fix it because the banks were closed due to covid. The online portal to link the bank accounts ( in order to transfer over the funds ) was malfunctioning and wouldn't allow me to wire over money for it. 

If the bank will not respond to Equifax 's investigation in less than 3 months then they shouldn't keep the derogatory mark on my report. 

XXXX, and XXXX both removed this from their reports for this reason. 

I hope you can find a resolution to this problem so I can finally get approved for a loan again, these marks take 7 years to fall off the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2017-09-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Account # XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX To CFPB : Im experiencing some concerns with Select Portfolio Servicing Inc. ( SPS ). My mother XXXX XXXX owned the property located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. I sent several emails and letter to SPS requesting to make payment arrangements because my mother XXXX XXXX. I was informed by SPS that I was approved to for a short sale and the property would be paid in full. I receive a letter explaining the terms of the short sale. I was required to send a cashier check or wire funds by XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I sent a check of {$1000.00} to pay off the short sale. On XXXX XXXX, XXXX, I called SPS to confirm that the payment was received by SPS. Also, I sent my mothers XXXX XXXX and estate affidavit. I was told by XXXX XXXX, Relationship Manager that the check was received by XXXX XXXX, XXXX. Also, I wanted to know the next steps since the check was received before the deadline. XXXX XXXX informed me that the account was paid in full and SPS would release the lien on the property and she stated congratulations. 

On XXXX XXXX, I called SPS to inquiry about the status with receiving documentation that the lien was released and the property would be in my name. SPS immediately stated that they didnt receive the payment and I lost the property. I sent a copy of the cashier check and I called XXXX XXXX to inquire whether the check was cashed. I was in formed by XXXX XXXX the check was cashed on XXXX XXXX, XXXX. 

My mother own the condo and I tried to settle the debt with SPS, however I feel they have tried to take advantage because they informed me that I no longer own the property. Please feel free to contact me at ( XXXX ) XXXX-XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Orion Portfolio Services, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I purchased a one year contract with XXXX XXXX XXXX and paid the full amount up front on the date contract was signed. I chose not to renew the contract. I informed my service technician several months before the contract expired and phoned XXXX that I would not be signing a new contract. 
More than six months after my contract ended I received a bill from XXXX for {$160.00} I again called them to inform them of their mistake. Approximately three months later I received another bill, I wrote on the bill that I didnt owe them anything since my contract was for 12 months and I paid in full initially. I asked for an explanation of the charges other than the amount. I never got a response but was instead handed over to XXXX XXXX XXXX for collection. Ive spoken with the above credit agency who asked me to prove I didnt owe the bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Convergent Resources, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a XXXX XXXX account that was paid through AUTO PAY DEBIT each month, and when I switched to another company, I personally returned all the equipment to the office, had a XXXX balance at that time. Then several years later they ERRONEOUSLY employed a Collection Agency,  XXXX XXXX/XXXX, XXXX. to say I owed a debt. Last year they put this false information in my XXXX Credit Bureau. I disputed the charge, XXXX investigated, the company never was able to document I owed anything, complied and they REMOVED IT FROM MY CREDIT REPORT. Now, today, again, they submitted the same phony charge to my XXXX Credit Report, which brought down my score 24 points when I have excellent credit. So, again, I filed a dispute, but I also felt compelled after months of dealing with this scam agency on the XXXX  report, now again with XXXX, it required to file this complaint, with the hope that these unscrupulous scam collection agencies are fined or curtailed from arbitrarily submitting false information to credit reports ; especially multiple or recurring times after being commanded to remove it previously.

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 2020-02-25
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I opened a consumer credit card with Synchrony Bank headquartered in XXXX Utah. For over 2 years there has been no problem then I have had incorrect charges to my account. I've tried repeatedly to call them and I am unable to reach a human being, only automated lines. This type of communication is unable to assist me at all. I have also been able to reach call centers located in the XXXX but these employees are unwilling or unable to assist. I need to reach a HUMAN BEING in the USA to discuss errors with respect to charges on my account.

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 2017-09-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out to both XXXX and XXXX XXXX by email and phone calls about the attempts to pull my credit on XXXX/XXXX, XXXX/XXXX/, and XXXX/XXXX. Emails were sent on XXXX/XXXX. Follow up calls were made XXXX/XXXX-XXXX/XXXX.  I explained that I am a victim of identify theft and that is why I have a fraud alert and security freeze. That neither of those companies followed the process of calling me on my cell phone and asking the additional security questions that they are required to follow.

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 2019-07-16
Company: EQUIFAX, INC.
State: WA
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:
Equifax and XXXX are reporting incorrectly a collection on the XXXX partial account number XXXX in the amount of {$12000.00}. ( Please see pages 36 and 37 of the attached credit report. ) These student loans have been consolidated and therefore not be reporting on my credit report. This incorrect reporting is harming my credit score and these line items need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank - mortgage with this bank - XX/XX/19 - made payment of {$3000.00} via bill pay from my bank to US Bank ; they applied that to the principal on XX/XX/19 - US bank drafted payment of {$1200.00} on XX/XX/19 and applied to the principal and interest ; then reversed it on XX/XX/19 ; I cancelled auto draft on XX/XX/19 and USbank was not authorized to draft the payment anyway and thats why I mailed {$3000.00} payment ; - bank says {$1200.00} was applied but it is not in transaction history ; this was additional payment which was never applied to the principal - USBank now denies refunding additional payments

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 2019-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a rewards savings account with Bank of America, and in late XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX company began withdrawing funds in another individual 's name on a recurring basis every month, until I noticed the account was looking less than it should be and reported it to BOA in XX/XX/XXXX. Bank of America then replaced the {$2200.00}, but then took back {$860.00} citing that it was past the time frame. My complaint is that Bank of America took my monies and gave it to another person without notification to me. Also that I and all banking customers aren't made aware that our money after 90 days isn't safe in banks, if indeed there is such a federal regulation.

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 2017-07-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To whom it may concer ; my name is XXXX XXXX XXXX. <P/>I wrote a check to XXXX XXXX XXXX from my personal checking account with Wells Fargo. I and XXXX XXXX XXXX had an agreement over the phone and I put on back of the check a Restrictive endorsement. The problem is XXXX XXXX XXXX scribbled out the working of the verbiage on back of check. This is the part they agreed to delete this settlement from my credit report. Wells Fargo accepted the altered check and paud them out. I went to 2 different branches and I even spoke to a bank manager today X/X/2017 at the XXXX location and she said they could not return my money even though I told her that Wells Fargo is responsible for paying out when the check has been altered. They refuse to give me my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-02
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
FOLLOW UP TO PREVIOUSLY SUBMITTED COMPLAINT. 

Chase did not read complaint and called to " meet a service level '' and/or " check a box ''. 

First, they contacted my spouse and not me. 

Second, they called a different number than I provided to discuss the complaint. 

Third, spouse was provided a " download '' of process and next steps. 

They did not read this issue nor create time to discuss with me. I know there is a pending dispute. I know it takes time. I know it needs to be reviewed and investigated. 

What they are failing to discuss, acknowledge or accept responsibility with is the fact that they failed to protect me, the created a delay, there is no ownership and this unauthorized charge has been floated back and forth between disputes and fraud creating a delay. 

They also mapped this charge to a card number that was reporting missing/lost. 

I promptly called back and have not received a return call. 

My spouse got the impression that we will hear back when the investigation is completed. 

THAT IS NOT THE CRUX OF MY CONCERN AND COMPLAINT. 

I am working to resolve this based on the detrimental reliance they have placed on me.

Company response to consumer: Closed with monetary relief