BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-03
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Good Afternoon BestBuy/Cbna Representatives, I was actually shocked today when I signed up for a credit monitoring site and noticed that there were some late payments on my credit report. What actually hurt me more, is that I have an exceptional payment history with this company since XX/XX/XXXX with no late payment and now you guys marked me late in XX/XX/XXXX for 30 days late. If you check my overall creditworthiness, you will see that I pay all my bills on time with absolute NO late payments. I really love the relationship I had so far with you guys, and I'm certain that this was a mistake. 

I work in XXXX Industry ( XXXX  XXXX XXXX ), and even though i haven't worked since late XXXX i still pay my bill before i actually buy food due to the relationship i have with my credit card companies and the obligations I have. Honestly, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

Sorry for my grammatical errors as English is not my strongest language. I speak XXXX XXXX and XXXX. But Thank you 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 non-monetary relief
Consumer complaint received 2023-10-04
Company: Happy Money, Inc.
State: WI
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Happy Money took a second payment out of my bank account for the month of XXXX without my permission. I have been trying to get my money back for several days now and keep getting the run around and told different timelines on when I will receive my refund. My normal payment was scheduled for XX/XX/XXXX, I noticed on XX/XX/XXXX that I had another payment pending from my bank account on XX/XX/XXXX. I then logged into their app to notice they were attempting to take 4 payments for that day. I immediately called them and was told they were having some sort of technical issue and they would send in a rush refund for me. As of today, XXXX, I still do not have my money back and can not get a clear answer on when I will receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: Monarch Recovery Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A debt collector from ( XXXX ) XXXX called me at my work phone number and cell phone number. They says that they are collecting for XXXX. 

They never attempt to send me a notice because they do not have a mailing address for me. I asked them to contact who they are working for and get the mailing address they attempt to send mail to. 

The debt collector refused to contact the bank to get a mailing address. They threaten to leave voice messages on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I purchased a new XXXX XXXX in 2011, I took a Loan with Wellsfargo dealership, I paid the cra Loan in full, I dont owe money to the bank, but my account is showing on Charge off, and its affecting my credit 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 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative 1 of 2 account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

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 2022-09-11
Company: JPMORGAN CHASE & CO.
State: FL
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 rented a car on XX/XX/2022 and returned it on XX/XX/2022. The company placed an authorization on my card for {$3100.00} as insurance against damage to the car. The car was returned without any new damage or other issues on XX/XX/2022 before XXXX local time ( the end date and time on the contract ). Instead of releasing the authorization as required upon return of the car my card was fraudulently charged for the full {$3100.00} ( XXXX XXXX ). 

I have reported this to the JP Morgan Chase four separate times in writing with all relevant details but they have only sent meaningless vague form letters that do not address the issue ( example ) below and have failed to credit me for the fraudulent charge as required by law. This is a frequent and ongoing problem with JP Morgan Chase. It has happened many times in the past and continues to happen on a regular basis. 

Additionally, the company in question XXXX XXXX XXXX ( aka " XXXX XXXX '' ) is well known for similar frauds and this is easily verified with a simple google search.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Nelnet, 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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021 Paypal permanently limited my I account and will not release it for 180 days, there was a despute which I always fix immediately to avoid limitation to my account but they still went ahead and permanently limited it. On the day that I found out about my account limitation on XX/XX/2021, I immediately messaged them but all they did was answered me with auto-generated answers which doesnt really help at all. 180 days is such a long time to wait for the money, I would have understood it if it was only 3 months but 6 months is such a long time, no consideration for the pandemic either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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:
I have written multiple letters requesting validation of debts, removal of closed accounts and to stop reporting on accounts that are still in disputes. the response is always the debt has been verified without proof per the FCRA, closed accounts are still on my credit report and accounts that are still in dispute are still being reported on.

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 2017-04-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have submitted documentation that XXXX, Transunion, and XXXX have been sharing improper accounts on my credit report. They are in violation of code section 609. 

XXXX is reporting inaccurate account : XXXX XXXX XXXX XXXX is reporting inaccurate account XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion is reporting inaccurate account : XXXX XXXX did not get my consent to share on my report ( PLEASE REMOVE ), XXXX, and 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 non-monetary relief
Consumer complaint received 2021-04-10
Company: Credit Associates of Maui, LTD
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account is showing a {$500.00} charge. I did not have an account with XXXX XXXX in since XX/XX/2019 the month I switched to XXXX. They are trying to charge me for cable that I did not use. I switched back to spectrum in XXXX. I called telecom prior to close my account on the day of my scheduled install. I originally thought the charge was for equipment that I turned in XX/XX/2019 and XXXX XXXX informed me that they charged me well beyond what I would of been using them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 an Annual Escrow Account Disclosure Statement was issued for the subject mortgage loan detailing a shortage of {$340.00}. The notice detailed that my new payment would be {$1000.00} if the shortage isn't paid, or if I paid this shortage, then my new payment would be {$990.00} per month. I promptly made this payment which is shown on my account to have been applied on XX/XX/2020. 

My Monthly Statement for XXXX reflected the {$1000.00} as if I didnt pay this shortfall, which because of the short time since I made the shortfall payment, I can understand this, but submitted a written request to review ( Ticket # XXXX, XXXX XX/XX/2020 XXXX to ensure the payment was adjusted before the payment date. I only received a reply that it was forwarded to the processing team. On XX/XX/XXXX, the amount of {$1000.00} was auto deducted from my account rather than the {$990.00}. I provided a written follow after I received my XXXX Monthly Statement still reflecting the higher {$1000.00} ( Ticket # XXXX, XXXX XX/XX/2020 ). Besides a reply that this has been forwarded to the processing team, I still have not had any assistance to correct the billing error. On XXXX XX/XX/2020, I submitted a formal letter of Error Resolution Notice under 12 C.F.R. 1024.35 through the companies website ( Ticket # XXXX ) and again received an automated reply that it was forwarded to the processing team. My XXXX statement is still reflecting the higher amount and I am being auto-debited for this. 

I have attempted to call several times, and after spending a large amount of time going through the phone tree, the call gets disconnected rather than getting a live person. 

As of the filing of this complaint, I have not received any response from this 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 2023-06-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
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 have no idea who or what these accounts are or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. This report is indicating that these accounts listed on the attached letter was opened. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized as a third-party collection agent if applicable. 
4. Provide a true and correct copy of the instrument by which company } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to the company, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).
6. Provide the Certified Assessment Certificate.

Violation ( s ) : Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
Failure to provide an Opt Out Notice. 
Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

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 2018-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Purchased the home on XX/XX/XXXX. Bank of America issued a 1st and 2nd mortgage. The 2nd is not a revolving, interest only loan, it is an amortized term loan with a balloon payment due in 10 years. ( XX/XX/XXXX ) We have never missed a payment or even been late in either the 1st or 2nd mortgage. The home was appraised by Bank of America above market value and has never been valued at or above the purchase price. Since the home value is below the total loan amount we are unable to refinance and pay the balloon payment. We have applied for a loan modification - simply asking to continue to make loan payments. Bank of America has given a preliminary approval of a loan modification if we make three monthly payments that are about {$450.00} higher than our regular payment. They will not disclose the make up of these requested payments. They will not tell us how much will be applied to principal, how much is interest and if there are any fees. They are also refusing to disclose the terms of the loan if we accept the modification. They are pressuring us to accept the modification with out full disclosure. I repeat, we are not delinquent with this mortgage or the 1st mortgage so there is no late balance due.

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 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I NEED this false and misleading information removed from my credit 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 explanation
Consumer complaint received 2023-02-28
Company: SYNCHRONY FINANCIAL
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Account XXXX XXXX XXXXXXXX XXXX  : {$8900.00}

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 non-monetary relief