BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-08
Company: CITIBANK, N.A.
State: NY
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 paid {$120.00} through Citibank credit card for two pairs of trousers from XXXX XXXX XXXXXXXX that were never received by me. XXXX XXXX XXXX XXXX$120.00} on XX/XX/2020. 
The seller says they were delivered but they were not received by me. They initially offered me a refund but reversed the credit. There was no way for me to contact the seller at all except by very delayed email. So I have paid for items I never received. Surely they have insurance for lost or stolen items. 

The dispute center said this : Reason for Dispute Goods / services never received Credit Status Conditional credit reversed Investigation complete Resolved in merchant 's favor XX/XX/2020 2020

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 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In XXXX, I discovered an account with XXXX XXXX on my credit report, in the amount of {$2400.00}. I immediately contacted XXXX in regards to this account. I explained to them that I had not opened an account with them, and that this is a fraudulent account. The Representative with XXXX, explained to me that I needed to file a police report, forward the police report to XXXX 's fraud department, and there would be an investigation. I filed a police report with the XXXX police department and forwarded the police report to XXXX 's fraud department. After the investigation I received an email explaining that there investigation showed, I did not open this account, also that I was not responsible for the debt of {$2400.00}. This account was removed from my credit report. Myteriously this account with XXXX XXXX showed up again on my credit report via XXXX XXXX system in the amount of {$2400.00}. Once a gain I contacted XXXX wireless in regards to this debt. I spoke with XXXX a representative with XXXX XXXX, XXXX, she was unable to pull up police report. XXXX told me to resend police report. I resent police report in XXXX, XXXX and again in XX/XX/XXXX. I still have not heard from XXXX in regards to this account, it's still remains on my credit report causing big problems.

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 2023-07-20
Company: JPMORGAN CHASE & CO.
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please see attachments for information. 

JP Morgan. 

The information is incorrect and suitor not be on credit report. 

Account does not belong to me. 

A Please remove from Credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20
Company: BBVA FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am trying to close my account and I have an available balance that also reflects a direct deposit from my Employer when the bank already informed me that they were going to close the account and send me a physical check in the mail that could take up to 30 days. I was in agreement with this, then when they accepted an incoming wire deposit which increased my available balance I have requested numerous times to close this account and have my money sent to me. The bank now ignores my support email requests and they have locked anyway for me to get the money out, yet they allow me to continue to have access to online banking and ability to access the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since the loan originated, automatic checks have been being sent by my personal bank to the mort gage. Successful payments have been being made since origination for 63 months. Since the last 4 months, checks have but being cashed, but are still being sent. Late fees are being collected, sent additional checks, to which are also not being cashed. Tried to call and resolve, and make payment s by phone, was told by associate they needed to tell me that I'm past due, and they wanted to figur e out how, and was proceeded to be told it was my fault and the banks checks are being lost in the mail. Only to not be able to make 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 2020-05-07
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is the 3rd time I have filed a complaint over this account that was with another company. Please delete this fraudulent account from my credit report from COMMONWEALTH FINANCIAL {$810.00}. I will file a LAW SUIT if they do not remove my name and personal information from their ( COMMONWEALTH FINANCIAL ) database. COMMONWEALTH FINANCIAL was required to notify me no later than 30 days after furnishing the negative ZOMIE account information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, COMMONWEALTH FINANCIAL failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) COMMONWEALTH FINANCIAL failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation COMMONWEALTH FINANCIAL is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where COMMONWEALTH FINANCIAL is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.COMMONWEALTH FINANCIAL has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Experian Information Solutions 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:
In XXXX and XXXX of XXXX, I experienced technical difficulties with XXXX XXXX processing my credit card payments for my accounts through the app. For some reason the system would not take payments but after attempting to process the payments more than 3x, the system was reflecting that a payment was not due. I had to pay the late charges but I was advised back in XXXX of XXXX that the payments would not be reflected to the credit bureaus as late. Once I received notification that the late payments had indeed posted, I immediately sent notice to XXXX XXXX to have these erroneous late payments removed. I never received any correspondence back from 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 2021-08-19
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
TD Auto Finance Account # XXXX XXXX XXXX XXXX XXXX Contract Date : XX/XX/XXXX Payoff : {$20000.00} Contacted TD over my issue with two XXXX houses and the problem they can't fix which is my engine. The engine is not working at all and TD Auto will stop the payments. The vehicle might be towed from XXXX XXXX XXXX in XXXX, TX. I want money back the vehicle but they seem to not want to assist in the matter. My credit is awesome and I pay my monthly dues. 

XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Financial Management Solutions, LLC
State: CA
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:
As of XX/XX/XXXX FINANCIAL MGT SOLUTIONS in XXXX, MD continues to run my credit report resulting in hard inquiries without authorization or notice. 

I have spoke with a collection agent about the matter and asked why are they accessing my credit on a debt that was resolved and deleted from my credit report several years ago. 

The agent stated that he is allowed to check my report resulting in hard inquires by law. He stated that he sees I am " still renting '' and any debt can affect that in the future and he wanted to see if I had any open credit to pay towards " his client '' on a paid debt. 

The debt was settled and removed from all credit agencies, as well as from my rental history in XXXX. In XXXX XXXX this company pulled my credit report and when I called to see why the agent added another hard inquiry to my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: I.C. System, Inc.
State: MS
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 am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: LK Manley, Inc
State: CO
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 PAID A DEBT I WAS UNAWARE OF TO XXXX XXXX XXXX XXXX FOR XXXX AND THEY REFUSED TO PROVIDE ME WITH A RECEIPT TO FORWARD TO MY SUPERIORS AND REPORTED THIS ON MY CREDIT BEFORE I HAD KOWLEDGE OF IT. THEY SENT RECEIPT TO WRONG EMAIL AND SAID THEY HAVE NO WAY OF GENERATING A NEW ONE. I SPOKE TO SEVERAL PEOPLE AT THIS COMPANY AND THIS IS AFFECTING MY SECURITY CLEARANCE

Company response to consumer: Untimely response
Consumer complaint received 2019-05-13
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX XXXX continues to report incorrect balance and late status. 
They have not effectively addressed the problem

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 2020-02-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I paid my XXXX XXXX balance as I always do pay my credit cards on time. I used a company check from XXXX and my accountant said I needed to start using my personal account to pay my credit cards. I called XXXX XXXX in XXXX XXXX and cancelled the ACH. I then tried to make a payment with my XXXX checking account. I didnt have XXXX signed up so XXXX  XXXX informed me that they would send two small deposits and I would verify them and then I could make my payment. 2 days later I paid my balance with my personal ACH. XXXX  XXXX XXXX  did not cancel my XXXX ACH and also cashed my XXXX ACH each ACH was credited to my account about XXXX I believe. I only had a XXXX dollar limit. I asked them why they didnt cancel my first XXXX payment and why they would double my payment and they had no reasonable explanation. I then contacted XXXX and cancelled the second ACH because XXXX looks after Veterans. XXXX  XXXX the cancelled my Account and blocked me out of the Online account. I made my payments on time with XXXX XXXX for about 2 years. Never late! XXXX XXXX reported a charge off in XXXX after I made my XXXX payment. Then after disputing with Experian they removed it and now it keeps returning and Experian will not reopen this dispute. I will download all the documents. This has cost me major problems with my other credit Bank XXXX XXXX. I applied for an Auto loan through navigator the XXXX XXXX XXXX XXXX  platform and was approved for XXXX and then my score dropped 80 points again because of this same problems. I have never been late in any credit card or loan ever and I still suffer for Experians bad attention to the facts.

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 2019-01-23
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
ON XX/XX/2019 AT XXXX AMERICAN EXPRESS CONTACTED MY NIEGHBOR NEXT DOOR AND REQUESTED THEY CONTACT ME RELATED TO MY ACCOUNT. THE NUMBER THEY CALLED WAS XXXX. THE PERSON CALLED FROM XXXX AND ADVISED THIS WAS A DIRECT LINE TO HIM. THEY INFORMED MS XXXX XXXX IT WAS IN REFERENCE TO MY AMERICAN EXPRESS ACCOUNT. I HAVE NEVER DISCUSSED ANY ACCOUNT WITH MS XXXX NOR DID I EVER GIVE AMERICAN EXPRESS PERMISSION TO CONTACT A THIRD PARTY IN REF. TO THIS ACCOUNT. IF AMERICAN EXPRESS HAS WRITTEN AUTHORIZATIN FROM ME BEARING MY SIGNATURE I WOULD REQUEST A COPY.THIS IS IN DIRECT VIOLATION OF FEDERAL LAW AS IT RELATES TO THIRD PARTY CONTACTS. ( 15 USC1692C ( B ) ) I WOULD LIKE YOUR AGENCY TO FOLLOW UP AND CHARGE THE VIOLATOR OF THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Here I am again, my last complaint and the company response as usual. It's looking like they are throwing the ball one to another. Attached please letter sent to the Judged who handled the Bankruptcy Court in the State of Delaware since XX/XX/XXXX representing my assignor XXXX XXXX XXXX to see if they have any authority to assign the same at the time they executed such assignment of mortgage in XX/XX/XXXX. Also sent to every trustee involved in this case. Lying to the Federal Government is truly a criminal activity. 
Will open the case in Delaware been in touch with every trustee that is looking into this fraudulent matter and entering with enough evidence a Federal Law suit. Still have hope that as the institution assigned to protect consumer this matter will go more than a response from the company has been received. 
Thanking you in advance for your cooperation in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Over {$12000.00} has been withdrawn from my checking account from a merchant that did not have my authorization or permission to charge my account. There is no contract in place and the merchant has been withdrawing about {$120.00} a month from my checking account for the past 10 years. I never noticed because there is no signed contract in place and I was unaware money has been withdrawn from my account. I disputed the charges with PNC bank who opened a dispute with the merchant. The merchant never responded to PNC bank, however PNC notified me that despite receiving no feedback from the merchant, they closed the dispute in favor of the merchant and it is my responsibility to recover my money. The reason PNC gave me they ruled in favor of the merchant was due to internal bank policy. The merchant never responded to the dispute charges. I am a consumer and pay bank fees to PNC bank. I have a right to expect my account and money to be secure. PNC told me anyone who has my routing.account number can go into my account and withdraw money without my permission. PNC does not consider this type of activity fraud and does not want anything to do with it. I am a consumer, pay bank fees and expect PNC to keep my money secure. I am filing this complaint because PNC refuses to do anything to get my money back. These were unauthorized charges and there is no contract or proof of any purchases I made from the merchant. There is no contract or proof of purchase because I never signed a contract for the money that has been taken out of my bank account. Does the consumer have any frights these days? Can banks just walk over average middle class Americans and not be responsible to keep our accounts secure? Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-08
Company: TRANSUNION INTERMEDIATE 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:
In XXXX and XXXX of XXXX, I experienced technical difficulties with XXXX XXXX processing my credit card payments for my accounts through the app. For some reason the system would not take payments but after attempting to process the payments more than 3x, the system was reflecting that a payment was not due. I had to pay the late charges but I was advised back in XXXX of XXXX that the payments would not be reflected to the credit bureaus as late. Once I received notification that the late payments had indeed posted, I immediately sent notice to XXXX XXXX to have these erroneous late payments removed. I never received any correspondence back from 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 2019-05-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
sent police report and ftc XXXX 's {$5.00} XXXX settlement with the Federal Trade Commission this ... But the commission also said XXXX violated the 2011 order by ... 

XXXX  It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely XXXX would sue you for a debt you may not owe or they can not validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. 

ncua with XXXX XXXX XXXX XXXX NCUA Recovers {$400.00} XXXX from XXXX XXXX As NCUA continues its efforts, we will strive to provide complete, easy-to-access information about the settlements, legal fees, and related costs of litigation. 


XXXX XXXX XXXXhowever, take out a payday loan from a company called XXXX XXXX, who ... I have made complaints to the FCC, attorney general, the donotcall.gov and XXXX. ... Just received a call from XXXX claiming I owed money from a ... I was told that if I agree to make three payments to settle the debt they ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Walmart sychrony credit card was not correctly applying my payments. As a result the payments was appearing as a short payment and late fees were added. Several late fees were applied causing the account to go over the limit and more fees was added. Now sychrony is asking for a payment of {$170.00} for a one month payment. I have made payments consistently but they were not being accurately applied to 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 monetary relief
Consumer complaint received 2020-10-08
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
XXXX/midland funding XXXX XXXX XXXX letter The company did not respond in the 30 days with verification, still has not removed accused debt from my credit report

Company response to consumer: Closed with explanation