BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-25
Company: EQUIFAX, 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 status incorrect

Complaint:
I was called in XX/XX/XXXX by XXXX XXXX XXXX that they were offering a refinance deal and would I like to be considered for it. The lady who called was XXXX gave no last name but provided this number XXXX. She told me not to make XXXX payment that I would here from the by the XXXX of the refinance. I never received any paperwork but woke up to find my car gone from the driveway. 
I never received any contact from the Bank that there was an issue or no call questioning the payment being late. I live in the state of Virginia and the Virginia law as of XXXX XXXX states that before any vehicle can be repossessed a letter must be sent to the consumer informing them that such an action is going to take place. 
When I found the car gone I immediately called XXXX XXXX as I had not heard anything from them and feared the worst. Since this happened I have found out this was all a scam during that time in XX/XX/XXXX. 
Immediately I got the funds and went to pick my car up from the agency it had been towed to which was across state lines which I believe is also illegal. 
Immediately after getting my car I started the complaint process with XXXX about the repossession of the car. I spoke to a lady by the name of XXXX at the same number and she told me to call the XXXX number and speak to someone about this matter. 
I am very upset about the reporting on my credit report as it shows repossession and then after it was recovered they marked my payments as it being in recovery payment. 
This car was paid off this year and the negative crdit marking has caused me not only to not get an RV but also has caused me not to be bale to get a home equity loan. 
I was promised by XXXX in XX/XX/XXXX that all the reporting would be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions 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 not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please remove.

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 2021-03-02
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As of the end of XXXX, I have never received a 1098 to file my taxes and I am unable to log onto the email provided. When I called last week regarding the status, I was told that no one could help me as I had refinanced my loan so they could not see anything. Furthermore, I was told I could not access anything online since my loan was paid off over a year ago, which is not true my loan was paid off in XX/XX/XXXX which would have only been 6 months. I asked when the original 1098 was mailed out and I could not be provided at date. Then I asked them about expecting sending another once since I have never received it which they said they could not and did not know how long it would take. I asked about receiving it via email instead which they indicated they could do and I would receive it in 1-2 days which I never did.

I need my 1098 to file my taxes and will be holding Amerihome and XXXX liable for any further delay relating to that. 

I would like my 1098 sent with a tracking number or emailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: LoanCare, LLC
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently requested a second mortage on my home. In preparing the documents, it was discoverd that when I refinanced my mortage with XXXX XXXX  XXXX from LOANCARE two years ago, LOANCARE has not filed the Deed of Reconveyance. My CU has advised they are in violation of compliance ; we have documentation showing the request made seven times in the past three weeks, as well as twice from the original refinaced done 2yrs ago.

LOANCARE had not responded to emails or phone requests to get this Deed of Reconveyance recorded. I am concerned as this will be a problem if I should try to sell or refinance my house. 
We tried several times to take care of. My account number with them was XXXX Your loan with them got paid off by wired funds from XXXX on XX/XX/2018. 

thank you. 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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : {$0.00}

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
Consumer complaint received 2020-07-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 


XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: CITIBANK, N.A.
State: KS
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX 2021 that morning my savings account balance was a few dollars over $ XXXX. 
That same day there were two withdrawals for XXXX $ XXXX leaving my account short $ XXXX. 
Neither of those transactions was mine. 
In addition, a checking account with {$10.00} was closed. Again, this was not my doing. 

Yesterday I discovered this issue and spent 4 hours trying different phone numbers to report this fraud to CITI. I had 7 contacts and no one could tell me what was going on or even seemed to care.

I can't believe it took 4 hours and no one seemed to care that they and I had been robbed.

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 2020-01-29
Company: SYNCHRONY FINANCIAL
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I have had an Amazon account for many years. In XX/XX/XXXX I signed up for Amazon Prime and the monthly fee was charged to my preferred method, that being my MasterCard Number. Then, in XX/XX/XXXX I signed up for the Amazon Store Card while I was in the midst of a purchase. It told me that it would be making my Amazon Store Card my default method of payment. As I did not want that my default payment, I changed my default back to my MasterCard. All of my purchases started going to my MasterCard as expected. Then on XX/XX/XXXX I see an email from Synchrony Bank telling me that I missed a payment on my Amazon Store Card. There should have not been a balance due as I changed my default payment back to my MasterCard. Unfortunately, when I changed the default back to MasterCard, unbeknownst to me, Amazon billed my Amazon Prime fees for the month of XX/XX/XXXXand XX/XX/XXXX to the Amazon Store Card even after I changed my default setting. As you can see in the attached screen shot, it clearly states that the default payment method will also apply to other digital purchases, but they failed to apply it to my Amazon Prime fees. I now have late payment notices to an otherwise unblemished, 100 % clean credit score because of this. Amazon needs to write a letter to each of the credit reporting agencies and to me explaining these late payments are not my fault and that these marks are to be expunged from my record. I have already talked to Synchrony Bank and the reimbursed the left fee and the finance charges. Now, Amazon needs to do their part. They also need to fix their system to properly notify their customer 's what the default payment does and does not apply to. I have also noticed that the default payment method does not effect each individual shipping address a person has. Each address appears to get tied to a different default payment method, but this is not disclosed when reviewing your wallet information on either the app or the site. This too is misleading. While they can claim Synchrony bank was sending me emails, I do not open emails unless I know I have a revolving balance with a specific creditor. As I was not aware Amazon was billing Amazon Prime fees to the Amazon Store card, as far as I  was concerned Synchrony was sending me marketing emails that I was not interested in and did not want to spend the time opening them. I have since closed my Amazon XX/XX/XXXXStore account to prevent this from  happening again.

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 2019-11-07
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This investigation about my collection account XXXX XXXX, XXXX is on my XXXX, Equifax and XXXX XXXX. It is shown deleted in XX/XX/2019 but the account shows closed on my XXXX  and Equifax and shows open on my XXXX XXXX account. I have proof that it was deleted from my XXXX  and Equifax through XXXX. It supposed to been deleted from my XXXX, Equifax and XXXX XXXX for good. I been fighting this for 3 years or longer with XXXX, Equifax and XXXX XXXX. The XXXX XXXX, XXXX been deleted since XX/XX/2019 its XX/XX/2019. This doesn't make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: CITIBANK, N.A.
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2018-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I was called in XX/XX/XXXX by XXXX  XXXX XXXX that they were offering a refinance deal and would I like to be considered for it. The lady who called was XXXX gave no last name but provided this number XXXX. She told me not to make XXXX payment that I would here from the by the XXXX of the refinance. I never received any paperwork but woke up to find my car gone from the driveway. 
I never received any contact from the Bank that there was an issue or no call questioning the payment being late. I live in the state of Virginia and the Virginia law as of XXXX XXXX states that before any vehicle can be repossessed a letter must be sent to the consumer informing them that such an action is going to take place. 
When I found the car gone I immediately called XXXX XXXX as I had not heard anything from them and feared the worst. Since this happened I have found out this was all a scam during that time in XX/XX/XXXX. 
Immediately I got the funds and went to pick my car up from the agency it had been towed to which was across state lines which I believe is also illegal. 
Immediately after getting my car I started the complaint process with XXXX about the repossession of the car. I spoke to a lady by the name of XXXX at the same number and she told me to call the XXXX number and speak to someone about this matter. 
I am very upset about the reporting on my credit report as it shows repossession and then after it was recovered they marked my payments as it being in recovery payment. 
This car was paid off this year and the negative crdit marking has caused me not only to not get an RV but also has caused me not to be bale to get a home equity loan. 
I was promised by XXXX in XX/XX/XXXX that all the reporting would be corrected.

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 2023-06-17
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 

Failure to do so is a violation of my rights.

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 2021-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
We paid our credit card statement online XX/XX/21 ). When checking it appeared not to have been processed. We called the company ( Bank of America ) and they said payment did not post. We then paid our balance a second time. Payment was over {$1700.00}. 
Two days later XXXXwe called back and informed them we were charged twice. The person apologized and said funds would be returned to our bank within 7 business days. 
Today ( XX/XX/21 ) was the second time I called the credit card company and again was told it was in the process of being reviewed. 
So Bank ofAmerica has held our {$1700.00} for over two weeks and only said it was being reviewed.

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 2019-11-07
Company: EQUIFAX, 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:
My husband and I applied for debt consolidation and we were turned down - the bank sent us a copy of the report re our credit rating- my report said in both equifax and XXXX  # 39 Serious Delinquency- yet I have always paid my bills on time there is absolutely no delinquency- When I tried to make them aware of this nothing happened- can you please check into this and please take off of my report Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-05-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I was the victim of an elaborate scam. I contacted XXXX after researching catteries with the hope of purchasing a kitten for my child. I initiated communication with this 'breeder ' via their online form, I was then contacted via email ( XXXX ) and text ( XXXX ) by XXXX XXXX XXXX , who proceeded to send me photos and videos or the kitten I expressed interest in. Following lengthy conversations and video calls, a price was agreed on and Mr. XXXX asked that I send the money via Chase Quickpay. I had saved up about {$1000.00} to purchase or adopt a kitten so I agreed. Never having gone through this before, I did not suspect a thing. After the money was sent, Mr. XXXX stopped responding to me. I then started to do the research I should have done before giving him my money. I found that his website had been recently created on XX/XX/2020, the phone number was a XXXX number and the cat images and videos were taken from other websites. I immediately contacted Chase for assistance and was informed that their fraud department was closed until XX/XX/2020. I proceeded to file a claim with the FTC ( XXXX ), the XXXX XXXX XXXX Scam Dept., and IC3 as well as my local police department. I called Chase on XX/XX/2020 at XXXX and spoke with XXXX, who after hearing my story, transfered me to XXXX  ( XXXX? ), XXXX  submitted a claim for me, reassuring me that I would receive a credit for the transaction while it was investigated ( # XXXX ). I provided him with all of the details of the reports I have filed and asked him if I could send him the email and text communications which were not needed at the time. After the call ended I decided to call back to ask for more information. I spoke with XXXX who to took down my information and transfered me to XXXX, a manager of the fraud/scam department, she informed me that XXXX ( XXXX ) as wrong and I would not be receiving any sort of credit, my funds were virtually lost and would not be retrieved. I was then transfered to XXXX, her supervisor, who informed me of the same. Even though one of their representatives had assured me that a credit was possible while they investigated. I am currently unemployed and have been waiting to receive unemployment benefits since XXXX, this {$950.00} was lovingly saved for my XXXX yr old who wanted to own her very first pet. I have never been the victim of a scam and I thought that the bank I have been using for years would assist me. This was not the case. I am at loss and don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
was contacted via mailing on XX/XX/XXXX by a collection / lawyer group. The agency '' XXXX XXXX XXXX XXXX XXXX XXXX '' were seeking payment from me for {$1500.00} for a fraudulent debt dating back to XXXX. This debt was resolved at that time by XXXX fraud services and after investigation removed the debt and others from my credit reports and supposedly from XXXXXXXX XXXX   ( XXXX XXXX ) accounts. I immediately enlisted the help from XXXX XXXX   fraud resolution services through my legal assistance program. Efforts to obtain fraud resolution papers from this collection agency resulted in two mailings of packets of useless statements and bills. This debt was obviously sold down the line without the resolution being noted, only to harass me once again. I need this laid to rest and not be sold off again to another " collector ''. fthank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: U.S. BANCORP
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for a short sale by US Bank. In XX/XX/XXXX, I was told by the relationship manager, XXXX XXXX that the negotiator was not able to contact the realtor since it was non-working number, I forwarded the information, which they had, to XXXX XXXX. Then in XX/XX/XXXX XXXX XXXX  informed me that the case had been closed since the Negotiator was not able to contact the realtor, XXXX XXXX. XXXX XXXX realized that once again, they had the incorrect phone number for XXXX XXXX, despite me supplying the correct number from the onset of the case. XXXX XXXX informed me, " the case would remain closed despite them, dropping the ball, but will give XXXX XXXX time to submit documents. '' ( see attachments ) Since that time there has been communication between the parties. The realtor has complied with her request. However, the negotiator, XXXX XXXX XXXX, has failed to misinform and miscommunicate what documents were needed exactly adn has stated that the documents were not submitted. Therefore the case remains closed and the short sale has been denied.. XXXX XXXX has mismanaged the case at my expense.

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