BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-08
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:
Unverified account from XXXX XX/XX/XXXX 

Please see attached documentation.

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 2020-11-08
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX XX/XX/XXXX is reporting as unverified, unvalidated account on my Equifax credit report. 

Please see attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: AMERICAN EXPRESS COMPANY
State: IL
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 rewards from credit card

Complaint:
I opened a XXXX AMEX card inXX/XX/XXXX. I was told I would receive XXXX XXXX points after meeting a minimum spend requirement, which I met shortly after opening the card. I have not yet received these points. I have reached out to American Express on numerous occasions sinceXX/XX/XXXXand have been repeatedly told that the points will post " soon ''. I 'm tired of waiting. They are aware that this is a problem but are doing nothing about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
this is the third time NCA has received a debt I no longer owe to collect. this is ridiculous, and has to stop. they are referencing NCA account # XXXX I have called them and they hung up on me.The debt was included in my discharged bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The lender is alleging they gave notice of additional documents client has complied and sent full package on XXXX/XXXX/XXXX and supplied any additional docs requested

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
MY Personal information is not correct on my credit report!! I have contact the bureaus about this issue and nothing have been done... According to FCRA COMPLIANCE PROCEDURES SECTION 607 ( B ) states that Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file ofthe consumer.

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 2017-11-03
Company: Caneel Capital, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
in XXXX I purchased a property, with 1st TD and 2nd TD. I was deceived, and my payments went to high. and I could not afford making payments on 2nd TD, I looked assistance to get a Loan Modification with 2nd TD, and 1st TD as well. 
lender of the 1st TD, they provided a Loan Modification, I am current with them now.for several years. 

on the 2nd TD, this loan has been sold several times, almost every company who had it, did not pay attention to my request for a Loan Modification. 
Because i did not have any resolution on my request for loan modification, I have not made any payments on it. 
The current company who owns the account is Trinity Financial Services LLC, on or about XXXX XXXX, XXXX, they started to collect for this account, i spoke to them, and nobody paid attention, then I went to a XXXX XXXX  HUD approved, who previously helped me to get a Loan Modification on the 1st TD, and on approximately XXXX XXXX, they helped me to submit a Loan Modification Package to Trinity Financial. 
They received the package and eventually they requested more income documents and more explanations, which I submitted. It has been taking very long time, and no decision, they took the file to Upper management to get an approval, they review the file, and requested more documents, which I submitted, they did not respond, i had to call every week to see if any decision. 
There are many other actions/activities that looks out of order, and would like to show you, that this company is not complying with Federal Lending Regulations. 
In future correspondence i can provide more information on this matter. But just as an example they denied me and Appeal to their Decision. I was told that after a Denial, I had the Right to Appeal to the their decision. 

I need CFPB, help, I do not want to loose my property. please help me. 
Thank you very much for now will identify myself as Single Mom who does not want to loose her Property. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Before I decided to apply for a heloc loan I asked the coordinator I a seven year old bankruptcy was going to be a problem. He advised me that a bankruptcy was only looked at for the first four years. That a seven year old bankruptcy would not be a problem. So I proceeded the application process. I also checked with my local chase bank heloc, I was asked personal question like what race was i and sex I considered myself. information person and received the same information and I would need at least a XXXX credit score, Then after checking my credit report the seven year old bankruptcy was shown and my credit score was still a XXXX. No problem right? I was denied the heloc loan and was told the reason was the bankruptcy on my report. The double talk I received the chase bank leads me to believe I am being discriminated against for race or sex.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
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:
I contacted the following credit bureaus about fraudulent accounts that were placed on my credit report. The Bureaus are XXXX, AND EXPERIAN CREDIT BUREAUS, I sent them copies of a XXXX XXXX Police Report that I filed Reporting this fraud, along with a Federal Trade Commission Report the accounts were then taken off my credit report. Several weeks later the same accounts were reinserted back to my credit report. 
Since then I have been disputing these fraudulent accounts. The credit bureaus told me that the accounts were verified and certified by the creditor, witch is XXXX XXXX XXXX XXXX. I then disputed these account with the creditor, On XX/XX/2022 the creditor responded by sending me an email that stated they needed more information .... I furnished them the exact information that is currently reporting on my credit report that they furnished to the credit bureaus ... Now they are saying they need more information. I would like to know how they need more information, when the credit bureaus contacted me and stated the the creditor verified and certified this information. Some one is violating my right from the looks of the letter from the creditor they dont even have this information that the bureaus are reporting. I requested a copy of the documents use to certify and verify these accounts from the bureaus and the creditors, and both have failed to furnish me with a copy of these documents.

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 2021-04-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: VA
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:
Experian displays inaccurate FICO Scores for XXXX and XXXX, that are XXXX points lower than what those bureaus show on my credit report when I pull from their site. This data is incorrect and was ( I think ) responsible for a credit denial. I have copies ( pdf ) files of what Experian is showing for these two bureaus which are vastly different than what my XXXX and XXXX actual report shows. 

This information is inaccurate and needs to be updated from the system of record, which are the two other credit bureaus themselves. Their information is blatantly incorrect, and when I run a report that shows side-by-side by Experian score shows as 4, which does not even exist on the SCALE of 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 2022-03-10
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2022 I wrote All three credit reporting bureaus ( XXXX, XXXX, EQUIFAX ) asking to provide verification of accounts with incorrect amounts, open dates and closed dates. The letters along with a copy of of my credit report were sent certified mail. I havent received a response from either bureaus about an investigation being opened nor closed. Attached is a copy of the letters that were sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
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: Information belongs to someone else

Complaint:
I noticed on a credit report i requested from TransUnion dated XXXX XXXX XXXX that there were several names and variations of names and names which obviously belong to somebody else all attributed to me. There were also several addresses where i have never lived listed as my addresses. There were also several phone numbers which do not or have never belonged to me. I contacted TransUnion on XXXX XXXX XXXX requesting that they correct the incorrect information. On their response dated XXXX XXXX XXXX, i notice that they have not corrected the incorrect names and infact they have added a new name which obviously belongs to someone else. I also had requested that TransUnion remove several accounts from XXXX XXXX XXXX listed as can be considered negative since by The Fair Credit Reporting Act ( FCRA ), accounts that have been settled should be removed seven years from the initial missed payment that led to the delinquency. This is the case but the accounts continue to remain open as " considered negative ''.

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 2022-03-10
Company: CITIBANK, N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have been making a series of wire transfers from our bank ( Citibank ) in the US to our bank in XXXX ( XXXX ). Citibank limits me to {$50000.00} per day and as we are sending money to purchase a house there it takes many transactions. Citibank has on numerous occasions cancelled or delayed my wire transfer without contacting me, giving me any opportunity to understand the reasoning or rationale. Each time this occurs ( no less than 3 times now ) I have to call Citibank, navigate their menu systems and ultimately get through to someone who is very little help. It's often that I will receive conflicting information from their agents. On two recent occasions, Citibank withdrew the {$50000.00} from my account - delayed my wire transfer for several days and then cancelled the transfer for no reason- ultimately returning the money to my account. By this time, the exchange rate had moved and I effectively lost {$1000.00}. At the moment, I am trying to find {$50000.00} that they withdrew from my account on XX/XX/XXXX ( today is XX/XX/XXXX ) for a wire transfer. I received an email that the wire was cancelled because of a system issue - but the money is yet to be returned and they have given me no commitment on when this money will be returned. I have also been told that when the money is returned to my Citibank account I will need to resubmit the wire transfer request- which will 10 days later than originally sent most likely and I am expecting to lose about {$750.00} on the exchange rate change. I have spent 3 hours at least talking to them just over the last few days trying to find my money. The first agent told me it was going to be fixed and sent, the next agent told me the opposite- it was going to be returned and I would have to resubmit the transaction.

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 2017-11-03
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX/XXXX/XXXX at XX/XX/XXXXI walked in to the Chase Bank off of XX/XX/XXXX in XXXX and noticed they only have one teller now and have replaced the tellers with two atm machines. The teller line was long and the assistant branch manager walked over to me her name is XXXX XXXX  and stated you can use the ATM. She went on to help me deposit cash I put {$1300.00} dollars in ATM which she assisted me with and an error came up and a receipt came out stating I needed to call the number on it to verify my deposit was credited to my account. The Manager said sometimes this happens, let me check your account. My deposit did not post. She immediately called the claims department and they assured us after making the claim I would be refunded with a temporary credit of my {$1300.00} dollars within 12 hours. That never happened. I called 4 times today and spoke with Chase claims department my call was escalated. The representative advised me that per Chase policy they can hold my cash deposit until XXXX XXXX until their research is completed. I said how can you hold my funds, my cash for two weeks.??? nothing has been done. I have yet to receive a temporary credit to my account even after I have given them all the information they requested not to mention their Assistant Branch Manager helped me make the deposit. Iv kept the receipt and Im completely frustrated by their lack of customer service. Its my money and I want it back. The Chase bank I used is located at the following address- XXXX XXXX XXXX XXXX XXXX ATM Terminal ID- XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-03
Company: EQUIFAX, INC.
State: NY
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:
This Complaint is made against Equifax credit reporting company. For the past 12 months i have been disputing in writing the incorrect, misleading, fraudulent, inaccurate information that states I, opened and had an alleged contract, agreement, mortgage with XXXX XXXX XXXX XXXX I despite this inaccurate information on my personal credit report in its entirety! Only Equifax continues to report this account, despite my disputed letters and police report that states I do not have any knowledge of an account, mortgage and bilateral contract with XXXX XXXX XXXX XXXX. Please note this inaccurate information is causing me injury, and reducing my credit score and ability to get consumer products etc. XXXX XXXX XXXX XXXX to date has admitted that they do not have a bilateral contract with me, nor is there proof of a mortgage ever being executed between me and XXXX XXXX XXXX XXXX on XXXX XXXX, 2007. Additionally, this alleged debt and report is in violation under the fair debt collection act, the fair debt reporting act and State of New York statue of limitations and other positive laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2019-06-27
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/XXXX I submitted enclosed notarized copy to each credit bureau Experian, XXXX, XXXX   requesting immediate removal of fraudulent accounts reported on my consumer credit report file. 30 + days later these accounts are still reporting to my credit. Surely it doesnt take 30+ days for verification of these accounts all of these accounts were fraudulent opened online. Please do your due diligence and you will see that the original address for all these accounts were a fraudulent address. I had a private investigator to research the address of XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Please see my second request letter enclosed ( attachment ). I'm requesting the credit bureaus either show me proof of a signed credit application where I open these accounts or remove off my credit file immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The XXXX XXXX {$1200.00} reporting invalid unvalidated information harming my credit file. A letter was sent to them and I have received no response in 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
CARD WAS APLIED FOR ON LINE ON XXXX XXXX PROMOTION ON BOOKING A FLIGHT. INFORMATION ON ACCOUNT WAS ONLINE. NO PHYSICAL CARD WAS ISSUED AT THE TIME. A FLIGHT WAS BOOKED ON THE PROMOTION CARD AND A BALALCE OF XXXX WAS TO BE PAID. I WENT OVER SEAS FOR DEPT OF DEFENCE BUSINESS. WHILE OVER SEAS I CALLED TO GET A BILLING DATE WHICH WAS DUE XXXX XX/XX/2021. DUE TOLOCATION WHERE I WAS, I HADMADE PAYMENT TROUGH MY BANK AND THE PAYMENT ARRIVE ON THE XXXX. I DID CALL THE CARD ISSUER CITI BANK AND NOTIFY THEM OF THE PAYMENT ON THE WAY. THE AGENT ACKNOWELEDGE THE CALL AND SAID IT SHOULD NOT INCUR A LATE FEE. THE BALANCE WAS PAID AND I CLOSE THE ACCOUNT BUT YET CITI KEEP SENDING ME A BILL WITH COMPOUND LATE FEES. THIS IS PREDATORY PRACTICE OF THIS BANK. I NEED THEM TO FIX THIS PROBLEM ASAP 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 2017-11-03
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I star received a phone call from a collection a collection agency on XXXX/XXXX/XXXX and now still receivend letter in reference a XXXX deliquente accoun in the amoun of XXXX i never open a account with XXXX XXXX, of provide anyone with permission to obtain a account using my personal information, and no responsable for those charge, same XXXX they being colleccting tha mony from my

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