BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-22
Company: CITIBANK, N.A.
State: CO
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:
On XXXX XXXX, 2017 I received a letter saying that my dispute was declined because my evidence ( opinion from second merchant ) was not as described or correct. I went back to the second merchant and received clear proof that what the first merchant ( the charge on my credit card ) did was wrong and not as described. It  shows that whereas the first merchant says they rebuilt the transmission, they actually put in an old transmission, which was the reason the transmission was shifting hard, which shows that the problems were caused do to the work performed by the merchant. This is clear indication that I was fraudulently charged for services I did not receive. 

I have tried contacting Citi about this but no one has contacted me back. I was told someone would reach out to me regarding this dispute, but no one did. Today, XXXX XXXX, I was told that call volume is too high. Citi is not supporting me in this difficult transaction, because the merchant broke my car and his faulty service left me without a car for weeks ; I lost a lot of money and the merchant did not perform the services he said he did. Citi has an obligation to support me because I am the customer. The merchant has deceived, lied, and defrauded me out of my money and citi needs to remove both of these charges for XXXX on the diamond preferred and XXXX on the simplicity card, because I have gotten the proof they have requested. This has been a long and tedious process and I would like for citi to not help the business rob me.

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 2018-01-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied and got approved for a business and personal Chase XXXX XXXX Credit Card in XXXX of 2017. At the time there was a promotion that stated I would receive XXXX miles for any friends I referred. 
I referred my mother the same month and she also opened a business and personal XXXX credit card. About two weeks later after she opened her credit cards, I called Chase customer service to see if my referral points had been issued. The representative stated that it would take a few weeks before I saw them reflected on my online mileage statement. 
Months passed and I finally got around to reviewing my mileage statement earlier this month and realized 8 months after I referred my mom my mileage had yet not posted. I called Chase again and they stated that the original representative had not informed me correctly, and that in order to receive the referral, my mom had to use a special link which would then link me to the referral. I explained to her that I was not told that by the original representative and the current representative acknowledged that there were no notes on the system from the original representative advising me of the process. 
She then told me to contact XXXX to resolve the issue. I called XXXX airlines and after holding for over an hour I was informed that I needed to call Chase again because I was told incorrectly. Chase was running the promotion so they were liable for the XXXX mileage credit. 
I then called Chase again and escalated to a manager who apologize and stated he would request my mileage to be posted. A few days passed and I got another call from a Chase representative who stated that I would not be getting my referral mileage after all because my mom opened her credit cards on the same month as I did. 
I asked him where on their advertisement does it state that the referral can not open the credit card the same month as the person making the referral. The representative stated that this information was not on any of their advertisements and that legally they did not have to disclose the terms and conditions of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04
Company: Westlake Services, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX and XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WESTLAKE SERVICE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
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: Information belongs to someone else

Complaint:
The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law. 

XXXX Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  Account # XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX-Account # XXXX -Date opened XX/XX/XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX - XXXX # XXXX -Date opened XX/XX/XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX- Account # XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX- Account # XXXX Date opened XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Inquiry XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: EQUIFAX, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: LD Holdings Group, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been struggling to pay my mortgage since my marital separation in XX/XX/XXXX. I have been trying to work with XXXX XXXX to save the home my XXXX daughters and I live in since that time. I have been working with a housing XXXX since XXXX and have applied for a loan modification. Every time I, or the housing counselor call, we get a different person that gives us different information. The housing counselor has been in the mortgage industry for 40 years, and says this is the worst company he 's ever dealt with.We were told twice that the loan modification pkg was complete ( most recent being XX/XX/XXXX). On XX/XX/XXXX, I recieved notice from XXXX XXXX that our home was sent to foreclosure that they have NO RECORD of us being in the modification process.XXXX XXXX gave me an option to make ONE full payment by XXXX to " slow the forclosure process down '', and when I called on XXXX to make the payment, they refused..demanding 3 payments. Every time we submit a document, they either misplace it or " do n't have it ''. We send it again, and they ASK FOR SOMETHING ELSE. They are rude, unorganized, unprofessional and confusing. I served 12 years in our military and have asked them repeatedly for help. Their most recent excuse are the natural disasters in California..I feel as though they are deliberately timing out the clock so that we lose our home.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: AMERICAN HONDA FINANCE CORP
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: Investigation took more than 30 days

Complaint:
Hello - Two years ago I went through a divorce. As part of the divorce settlement my ex-wife was given one of our cars that we had a loan on. It was a joint account through Honda Financial Services. I asked my ex-wife to remove me from the account though she never did. She changed the mailing address for the account and login information online, so I was unable to access the account. The loan was nearly paid off, so I did n't worry about it too much. In XXXX of this year I got a notification from my credit monitoring service that the account was over 30 days past due. I contacted my ex-wife and she said it was due to a change in her billing account and fixed the issue and paid off the outstanding balance. 

Still as a result of this I now have a 30 day late payment notice on my credit report. My credit score took a hit as well, dropping from XXXX to XXXX. 

Recently, I contacted Honda Financial to explain the situation and inquire about having the negative mark removed from my credit report. Since I no longer had access to the account online and my ex-wife updated the mailing address to her new address. I received no notice of a past due balance. Honda said they were sympathetic but unwilling to remove the mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2022-08-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account has been frozen since approximately XX/XX/XXXX. I tried to send funds to a different bank via online transfer and then HSBC cancelled the transfer and froze my account. I've called several times and they tell me my account will be closed due to " fraud concerns. '' I have no idea what fraud concerns there are because of course HSBC will not tell me. There is no fraud on the account. HSBC says I will receive a letter in the mail with instructions but I still have not received this letter. Why am I still waiting for a letter in the mail? I don't understand why they can't tell me the issue and what to do. But if they are going to close my account that is fine. Close it and send me my money. There is a significant amount of money in the account ( significant for me ) and I need it. HSBC has frozen my funds for 2 months with no explanation whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Early in XXXX I paid a vendor who submitted the payment as a cash advance. The amount was around {$31.00}. In XX/XX/XXXX I made 2 payments totaling {$1200.00} to Capital One which should have paid that small advance and stopped any cash advance interest. As of today I am still being charged for that cash advance in the highest rate of interest on the account. I called and spoke to two separate individuals requesting that they stop changing me that interest and they both said NO. The amount is small only about {$4.00} total but the fact that they have not abided by the CARD Act and used that very large payment to pay off that cash advance is not right. It is my understanding that any amount paid over the minimum payment due should be applied to the highest APR items on the account. Capital One should give me back the interest I paid since XXXX on the cash advance and apologize for not abiding by the requirements of the CARD Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: CBC Companies, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am showing a hard credit pull inquiry from your company that has negatively impacted my score on XX/XX/2021. I did not authorize this pull from your company and I can only imagine it was done fraudulently. Additionally I am impacted by covid19, delta and now Omnicron variants. I can not speak on the phone but assure you if not remedied in a timely fashion and corrected there will be lawsuits filed, citing this request to remove. Please respond by hard copy printed mail once it is removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$2100.00} Inquiries : XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX  Inquired on XX/XX/2021 XXXX XXXX  Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 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 2021-12-04
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I am showing a hard credit pull inquiry from your company that has negatively impacted my score on XX/XX/XXXX and again on XX/XX/XXXX. I did not authorize this pull from your company and I can only imagine it was done fraudulently during the sale without proper disclosure and under false pretenses/terms. Additionally I am impacted by XXXX, XXXX and now XXXX variants. I can not speak on the phone but assure you if not remedied in a timely fashion and corrected there will be lawsuits filed, citing this request to remove. Please respond by hard copy printed mail once it is removed. Thank you.

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 2018-01-22
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:
This company made a grave error that caused a devastating effect on my credit file. I already disputed these with the credit bureaus before but they refused to fix the error they 've made. Incorrect information such as wrong addresses, phone numbers, accounts, and inquiries has been reported in my credit file. All these information do not belong to me and should n't have been reported on my credit file. Despite my efforts on fixing these errors, these credit repository remained negligent and noncompliant. I only moved to XXXX XXXX XXXX, XXXX XXXX, CA last year and this is the only address associated with me. They only phone number that should be reported is my phone number ending in XXXX. This is the only phone number I ever had. Experian also reported an account from XXXX XXXX XXXX opened last XXXX 2015. This is not my account. I am a victim of this credit bureau 's mixed up files. attached to this complaint is a letter from XXXX stating " that my credit file might be combined with someone else who has a similar name '' This company has mistaken me for someone else. This is my last effort to have this bureau fixed before I get a legal counsel involved.

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 2018-01-22
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX has had an account that is almost three and a half years old. They have written off this as a bad debt or charge off and the account has been closed, which means that they have written off thison their business taxes, yet and still they are trying to collect. They send numerous letters to myself and my mother about a debt. This debt is beyond the time frame for them to still be reporting and trying to collect money that they already written off and closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Experian Information Solutions Inc.
State: TX
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 was going to exercise the right to rescind the contract, however, the XXXX major credit bureaus : EXPERIAN, XXXX and XXXX, and any other person, were never given my consent to create XXXX establish XXXX maintain an EXPERIAN, XXXX and XXXX account, profile XXXX XXXX records for the legal person, which is a legal trust of which i am as the beneficiary and not the trustee. therefore, i can not rescind that which has no existence. 

if any such account be created, established XXXX maintained, it makes legal sense to have it set up, by XXXX 's self, on XXXX XXXX XXXX among all of the other legal trusts andor corporations, i.e. all the XXXX, CITIES, COUNTIES, XXXX XXXX, XXXX, and all of the other legal persons of various industries. 

again, i did not consent to contract the legal person, i.e. a trust, i am as a beneficiary and not the trustee, with any of the XXXX major credit bureaus : EXPERIAN, XXXX and XXXX, and any other person to create XXXX establish XXXX maintain an EXPERIAN, XXXX and XXXX account, profile XXXX XXXX records. 

the fraudulently created, established and maintained accounts and accounting records for the legal person, i.e. a trust, i am as a beneficiary and not the trustee, with the credit bureaus need to be nonexistent, stat. : status quo ante. 

who gave the credit bureaus my location information? XXXX XXXX XXXX who gave the credit bureaus direct consent? XXXX XXXX XXXX XXXX XXXX XXXX XXXX and False Statements. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX of rescission. 
https : //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 2021-03-24
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company ( LoanCare , LLC ) has not paid my county taxes through my escrow account for the year XXXX. They always handle this and I was not aware it wasn't paid until I received a delinquent tax notice with accrued interest and late penalty. As of today XX/XX/XXXX they still have not paid the county taxes. I reached out to the mortgage company on XX/XX/XXXX as soon as I received the tax notice. I was able to get someone on the phone and I was informed to send them a message with a picture of the tax notice. She assured me that it would be handled if I did this. I immediately followed through and sent " LoanCare , LLC '' the message with the tax notice. Since then I have tried, on many occasions, to contact customer service, but no matter what I do I am not able to get anyone on the phone. I also sent them another message on XX/XX/XXXX and informed them that I would seek further action if nothing was done. The principal balance due is {$1000.00}. The late penalty is {$100.00} and the accrued interest is {$38.00}. I am not sure what else to do at this point other than hire an attorney. Thanks

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