BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-02
Company: CITIBANK, N.A.
State: LA
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:
A charge was made on my card in XX/XX/XXXX, and it was flagged at the time by Citibank as fraudulent and they notified us to question the charge. We did n't make the charge and told them, so they replaced the credit cards with a new number. We were sent a letter to sign and return, dated XX/XX/XXXX, to verify " Neither I, nor anyone authorized by me, made this charge or received any benefit. '' Then, XX/XX/XXXX we received notice that the transaction would not be removed from my account due to " insufficient information to support my claim. '' The merchant provided a sales ticket and a XXXX statement that showed my address, and delivery on XX/XX/XXXX. However, I went online at XXXX and pulled up the tracking number to discover that although my address was listed as the " ship-to '' address, the package actually was delivered in XXXX XXXX, CA. 
Perhaps the package was re-directed? 
Bottom line, this transaction was fraudulent, neither I, nor anyone in my household, ordered two expensive watches, did not receive watches, nor benefited in any way from this fraudulent transaction. 
I would be happy to provide all supporting documents in this case.

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 2022-03-10
Company: Southern Auto Finance Co
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: Account status incorrect

Complaint:
SAFCO is reporting this account inaccurately by stating that it was voluntary repossessed '', SAFCO does not have a signed waiver or any agreement at that that states that I gave them possession of my vehicle that I obtain extending my credit. I am making this complaint to make you all aware that safco and the consumer reporting agencies are causing substantial harm and ruined my reputation due to this inaccuracy of reporting. Pursuant to 15 usc 1681e ( b ) the consumer reporting agencies have a duty to keep my report accurate as they assumed this vital role 15 usc 1681 ( a ) ( 3 ). Safco has knowingly report this false and misleading information because when I have call earlier their excuse to marking it as a voluntary repossession was not authorized by an written and or express agreement to do so. I value my reputation and entrusted SAFCO and the consumer reporting agencies to keep everything accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Rushmore Loan Management Services ( RLMS ) RLMS, I am filing a complaint against your company based on the way my loan was handled after it was transferred to your organization. This is a two-part complaint. The first complaint was filed with XXXXXXXX XXXX  XXXX, see complaint # XXXX, so moving forward starting on XX/XX/2021, XXXX XXXX XXXX XXXX XXXX loan to Rushmore Loan Management Servicing ( RLMS ). Rushmore Loan Management Services, I am including copies of checks that were paid XXXX before your company took the loan. Both XXXX and Rushmore have copies of all checks because copies were either faxed or mailed to them. Also, I am providing copies of checks, XXXX payments, and letters that I received from RLMS, Loan XXXX, from XX/XX/2021 XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Called multiple times. Last call was XX/XX/2018 at XXXX. After calling the robot call back, I talked with agent and found out it was for someone who previously owned phone number. I informed them this is the wrong household and to remove from their calling list.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: Westcreek Financial
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:
This account was fraudulently opened and maintained. I've contacted the company and communicated that. They keep calling with promotional offers for existing members.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: DISCOVER BANK
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:
This account was fraudulently opened and maintained. I've contacted the company and communicated that. But they keep calling and trying to get me to pay on an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and I.d . as it contains my full complaint and requests.

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 2019-09-24
Company: ID Analytics, 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: Account information incorrect

Complaint:
On the XX/XX/XXXX I received a letter in the mail stating I was denied a loan. One of the companies I felt had completely false information on me. For instance, in the documents attached it says that I had too many recently opened accounts, I have no idea what they mean I only opened one credit card and that was in XXXX of this year roughly. While I don't necessarily contest the fact that I don't have enough experience with loans I do have a line of credit active that I've had for the past two years and and credit card for roughly the same time, so what exactly is a time period they define as " experienced enough ''. Another point that I'm asking for clarification is how exactly does " too many inquiries adversely affect a person 's credit score? I  left a voicemail on the eve of the XXXX stating for the company to call me and if I did not receive an answer by XXXX XX/XX/XXXX. Monday ( today ) I'd file a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: WELLS FARGO & COMPANY
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: Problem with cash advances

Complaint:
Begining XX/XX/2020, someone got 3 cash advances on my bank credit card, {$500.00} each. I did not authorize it. I reported this to the bank begining XX/XX/2020. Then they somehow through the bank, sent two of the advances to my checking account, and then through XXXX, sent {$500.00} to each of two people I do not know, from my checking account. The other {$500.00} was reimbursed to me by the bank. The bank has declined to reimburse me the other 2 advances, plus the fees and interest. I authorized none of this. I was never enrolled in XXXX, and have never done or authorized any cash advances. The bank says this was done online, so perhaps my phone or computer were hacked. I do not know how anyone could do this. A police report has been filed, & a report to the FTC, & the 3 credit bureaus were given fraud alerts. In the meanwhile, I have had to pay the {$1000.00} balance on my credit card plus finance charges & fees, to keep my credit current. I did not owe any of this money. I would appreciate any help with this issue, if you can.

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 2019-09-24
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2019 JP MORGAN CHASE XXXX XXXX XXXX XXXX OH XXXX To whom it may concern : Based on recent correspondence from Chase, I have discovered that Chase through their attorneys, XXXX XXXX XXXX, have mailed documents to addresses that do not belong to me, XXXX XXXX. These addresses belong to former attorneys that I retained in prior years. It may be true that during their representation, these attorneys asked that mail be directed to them. However, at this point in time, these attorneys do not represent me, and they are under no obligation to notify me of any hearing or legal issue. Therefore, I immediately request that you ( Chase and/or XXXX XXXX XXXX ) refrain from sending documents intended for me to other addresses. All correspondence should be properly be addressed to me at XXXX XXXX XXXX XXXX XXXX GA XXXX. 

Second, it has also been brought to my attention that Chase through their attorneys, XXXX XXXX XXXX, have been sending mail to my home for Occupant. According to a recent investigation by Chase Executives, the letter addressed to occupant contained important documents that I needed to complete in order to reside in my home after foreclosure. I am not the only person reside here, but I am on the mortgage. A document this important should have been addressed directly to me. There is no telling what has happened with this letter or even if it was delivered to my home. There continues to be an ongoing issue with the Postal Service regarding mail, which I have yet to see results. Therefore, I immediately request that you ( Chase and/or XXXX XXXX XXXX ) refrain from addressing mail as Occupant or Resident. I immediately request that all mail be properly addressed to me and bear my name, XXXX XXXX. 

Third, XXXX XXXX and I have been divorced for many years. He does not receive his mail at XXXX XXXX XXXX XXXX XXXX GA XXXX, which is where I reside. Nor does he receive mail at any of the other addresses of my former attorneys. I immediately ask that you ( Chase and/or XXXX XXXX XXXX not send any document to my home, which is intended for XXXX XXXX. I ask that you ( Chase and/or XXXX XXXX XXXX use another method, other than my home address, to communicate with Mr. XXXX. In addition, I ask that Chase refrain from providing Mr. XXXX with my personal details including but not limited to RMA application, status and etc. 

Because of how critical my situation is and the need to maintain adequate contact, I ask that Chase respond with an acknowledgment that they will adhere to all of my aforementioned requests by Friday, XX/XX/2019. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have found numerous errors reporting on my credit profile, at least 4 which I have listed below. I am receiving letters back stating the accounts have been verified as accurate and still have these same errors reporting. 

XXXX XXXX : Account number : XXXX This account was charged off as of XX/XX/2017. Since then, this account has repeatedly been updated as charged off every month. This is an update in payment history which to my understand charged off accounts should NOT an active payment history. Need I remind you ; this also violates the statute of limitations. 

The High Balance on this account is also inaccurate across all three bureaus, ranging from {$16000.00} to {$18000.00}. 

The Term length is also listed inaccurately amongst all three bureaus, ranging from a 1 month to a 72 month time frames.

The Date of Last Activity is also reporting inaccurately amongst the three bureaus, ranging from XX/XX/2017 to XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The following inaccurate debt was reported to my 3 credit bureaus. They have never contacted me via email, Postal mail or phone call. Then they BACK DATE it almost over a year and report to my 3 bureaus. When I called the number on the bureau, they had to transfer me 3 times and had to look for my account and they couldn't find my account, and I informed them this was all taken care of via Medical Insurance, I even requested on a dispute process their exact response " Sir, its already on your credit bureau you can not dispute '' and then mysteriously we got disconnected. Worst part is this all happened during the Covid-19 Pandemic. -- -- -- - Collection Agency TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$140.00} Amount {$140.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I originated this loan I requested that the escrow account be established out of convenience and it was not required. Since that time the loan was sold to SLS.  At this point I would like the escrow account to be removed and for me to be able to pay my own insurance and taxes. I have had several conversations with SLS through this process and you can see through their response, requesting for the escrow account to be removed. At first I was told that the escrow account would not be removed because my debt ration of the house was at XXXX XXXX. After being hung up on by the agent, transferred to different departments, asking for a re- appraisal to be done and submitting a request for a re-appraisal using the guidelines that I was given by their representative. I was given incorrect information and was told that the re-appraisal had to be submitted a different way. I then submitted another request for a second re- appraisal to be done on the house and followed the guidelines given and told that the re-appraisal would be done. I then requested for the escrow account to be cancelled again and was told that the escrow account would be cancelled. To ensure that the escrow account would be cancelled I hung up and called back an hour later and was told by the representative that the escrow account would be cancelled. I also called a third time just to make sure and was told a third time that the escrow account would be cancelled. At that point I contacted, my local County tax authority and Insurance Company to have me billed directly for insurance and taxes. Only to receive a letter from SLS three days later that my cancellation request was denied. I then contacted SLS to ask them why it was not cancelled and no answer was given. I again requested a re- appraisal and was told by the representative that I would receive information via mail to have the re-appraisal done. I have yet to receive that via mail and I have received SLS response that they can not remove the escrow because the debt ratio is at XXXX XXXX and they are refusing to do a re-appraisal on my house. Lastly. I would like to state that my local tax authority has re-appraised my house and has it listed at XXXX more than when originally purchased, Yet SLS refused to do a re-appraisal in the feedback. Can you please work with this company to have my house re-appraised and have the escrow account cancelled so that I may pay my taxes and my insurance myself? I have a credit score of XXXX and pay my things on time and it shows in my credit history. This company has not received one late payment from me, in fact it has all been paid 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 2021-10-23
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Santander Consumer Usa date open XX/XX/2014 providing inaccurate information on my XXXX Credit report. The account does not belong to me. I have disputed several times. The company refuses to remove. This information has been deleted from other credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Kriya Capital, LLC
State: SC
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:
XXXX on mg credit of a XXXX account that ive never had nor owe. Called a few times. And threatened that it will damage my credit if not paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent letters XX/XX/XXXX but never received any response to the letter sent. I waited 45 day then resent the same information that I will be attaching today. 

The following account you are publishing about me is [ inaccurate or incomplete or inaccurate and incomplete ] because they do not belong to me nor have I done business with these companies. 
XXXX/XXXX XXXX ( XX/XX/XXXX ) {$0.00} XXXX/XXXX  ( XX/XX/XXXX ) {$0.00} XXXX ( XX/XX/XXXX ) {$0.00} XXXX XXXX XXXX XX/XX/XXXX ) {$11000.00} XXXX XXXX ( XX/XX/XXXX ) {$0.00} XXXX XXXX  ( XX/XX/XXXX ) 08 XXXX  XXXX {$2000.00} I request that you delete the above-listed tradelines and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline items are verified, I request details of your method of verification.

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 2017-11-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
False report of an illegal foreclosure as valid. They were notified of this in XXXX of XXXX. The foreclosure was illegal due to falsifying of documents and failure to adhere to law. On XXXX XXXX, XXXX it was declared before the XXXX XXXX XXXX XXXX XXXX North Carolina of the violation of XXXX XXXX XXXX XXXX Section 8 by regulation amounts of money by entities that are not Congress.  Elements within XXXX XXXX proceeded to disregard and proceed forward with further human rights violations. Furthermore, this all constitutes a violation of XXXX XXXX XXXX section 242, as well as many other international, federal, and state laws. 
The credit agencies have blocked online access and are not responding to letter mail either. The other agencies are also ignoring this matter. I am currently being automatically denied a place to live based on this illegal foreclosure and eviction. 
Do n't believe me, the email from XXXX XXXX, XXXX explicitly does not authorize any of the other actions taken. 
Do n't believe me, get the recording of XXXX XXXX from the XXXX XXXX, XXXX farce of an appeal trial where he admitted the matter had to be heard in federal court. 
Do n't believe me, look at XXXX XXXX and see the requirements were not met. 
Do n't believe me, look at all the documents together. Ignoring this is not going to make it go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
BANK OF AMERICA YOU DEFRAUDED ME YOU GOT PAID MULTIPLE TIMES ON A DEBT YOU CANCELED WITH A 1099 - C. You Mentioned I had to pay to get it removed from my consumer Report, I Made the payments however it was never deleted. You have committed tax Fraud you have this account listed on my consumer report as a canceled debt. I have proof I paid you which I will be submitting to the IRS, CFPB, XXXX, OCC, my state attorney general and also the state general where you are located a copy of this letter and of the payment I made and how I was defrauded by you. 
The IRS Clearly defined a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED. THIS ACCOUNT IS REPORTING INACCURATELY AND IT IS NOT XXXX COMPLIANT :

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