BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-02
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX ACCT # XXXX Is reporting a debt on my credit file that I do not owe. This debt is not mine, and I have never had an account with or opened any accounts with XXXX XXXX. I have contacted and advised them that is a fraud account and it needs to be removed off my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit 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 purchased kitchen appliance from Best Buy in XXXX they could not deliver when needed so we cancelled all items. they keep telling us there is a balance of {$360.00} when we ask them to explain the balance they can not give us any details. I added up all receipts and credits they equal {$10.00} which was a donation to XXXX XXXX. When I finally figured this out myself we paid the XXXX dollars. I have written the credit card company the CEO at Best Buy the Local Store and disputed through XXXX. XXXX  completed their investigation and said Best Buy saids they are correct end of dispute

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 2021-04-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I wanted to un-freeze my credit report with Equifax. 
I logged in to my Equifax account online. 
I found to option to manage my freeze / unfreeze status. 
The website indicated the following : " You have temporarily lifted your Equifax credit report freeze until XX/XX/2019 .... '' I was unable to manage my credit report freeze by way of the website. 
I then called Equifax customer support and was successful in going through the automated process of un-freezing my credit report, but at the end of my call, I indicated that I wanted to speak with an agent. 
I was put in touch with a person and explained my problem, and they indicated that my credit report had been unfrozen, but that there was not a date present to re-freeze my report. 
The person indicated that they were having problems with their system and would not forward my call to technical support. 
This situation does not make me feel comfortable with them holding on to my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the refi process back in XX/XX/XXXX with 5/3 bank. I received a packet of paper work and it was mailed back in estimated dated of XX/XX/XXXX. I received confirmation from the Mortgage Loan Originator that all paper work was received and my application fee  was processed on XX/XX/XXXX for {$390.00}. I have been having a hard time with communication to find out what is the hold up in the process. I have been told numerous times that my paper work is in the underwriting process but the underwriters are behind in work due to COVID-19 crisis. After several weeks to find out what is going on I continue to get the same information. I have asked for a refund due to no one is working on my application and I would like to look else where. I was told that I could not get a refund back because my process is waiting on the underwriter. I have asked to speak to a manager/ supervisor several times in regard to my issues and complaints. I have sent several emails but I have got no where with this process. I would like to a refund due to the process that no one is working on my application process and I need to find me another company to refinance with while the rates are low. I explained to the mortgage loan officer that I was concerned on missing out a possibly lower rate due to the waiting process. She told me that there was nothing she could do about it but she would talk to her manager 2 weeks went by and I never heard from her. I called her again on XX/XX/XXXX to follow up with her and she do not have a complete answer for me and still was stalling. I told her I felt like I was being ignored and my paper work was sitting on someone desk.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
JP Morgan has put a hold on a check for {$32000.00} deposited to my checking account on Saturday, XXXX XX/XX/2020, or 11 days ago. At a time when a XXXX payment from the same account takes a few seconds to go through and wire transfers are completed in 24 hours, holding a check for over a week and counting, that is written on XXXX XXXX XXXX XXXX, Florida is unfair and abusive. 

I spent over an hour on the phone trying to find out why they will not credit the check to the account. In typical fashion, the local branch in XXXX, NJ where it was deposited had nothing to say about why a hold was put on it while it refused to release the hold. Similarly, someone at a toll free number in Texas also had no explanation and claimed, falsely, that all checks deposited to this account are treated in this manner. Yet it is the only check they have treated in this unjustified manner. Along the way, people refused to fully identify themselves and one in Texas even refused to say who her employer is. It appears that she works for some third party contractor to JP Morgan to monitor fraud. 

For years I have complained to the CFPB that no one services this account. Despite what JP Morgan claims, nothing has changed. Each phone call takes an hour or more, most of which is spent on hold waiting for a person to come on the line ; false claims about what the facts are made habitually by people I talk to ; and problems are never resolved in any reasonable or timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Experian Information Solutions 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:
XXXX XXXX listed a debt collection on my report for an amount of {$3200.00} for a wireless phone bill. On XX/XX/XXXX, I wrote them informing them that this is a fraudulent account that I am unaware of reporting on my file. They sent back a itemized bill which is not giving me no information on this account. So I wrote another letter on XX/XX/XXXX requesting a debt validation letter for this bill which they say I owe. It was noted that they received my certified letter on XX/XX/XXXX.They sent back another itemized bill which is NOT validating that debt. They could not produce a validation bearing my signature. So I wrote them again on XX/XX/XXXX informing them Per the Federal laws, its my right to validate any debt from collection agency. I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. So on XX/XX/XXXX I wrote to the 3 credit reporting agencies informing them that this company has not been able to produce to me any documents bearing my signature. And on XX/XX/XXXX the 3 credit bureaus has informed me that this account was verified and updated on my account. With no proof of my signature to prove I owed this debt. I request a full removal of this debt associated with any of the credit reporting agencies ASAP.

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 2020-11-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I applied for a line of credit through Amazon to help build my credit & purchase a house for my new family. Every attempt I had made to make a payment was repeatedly rejected until the very 1st payment was past due. even with new forms of payment. At that time my 1st payment became delinquent I had given up any hopes of building & establishing credit since they had already damaged it severely. 
This has caused a major hardship on our life & stress. I have been yet again working on my credit again in hopes to one day have a home if our own, & here years later, the only thing effecting those efforts is the Amazon collection. I disputed with the company once & they at that very moment wrote it off as a charge off. I'm still receiving multiple collection letters from them at least once a month. I do not believe that the collection was just & should be removed from my credit since I had made all possible efforts at the time to pay & was denied that privilege.

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 2020-08-26
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit 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 XX/XX/2020, I attempted to purchase a television from Walmart,  who in error placed ( 4 ) four separate charges in the amount of {$520.00} each for a total of {$2100.00}, on my Sam Club credit card held by Synchrony Bank. 

Walmart immediately removed ( 2 ) charges that were in pending status and promised a full refund for the ( 2 ) two remaining charges in the amount of {$1000.00}. 

On XX/XX/2020, Walmart posted ( 2 ) credit in the amount of {$140.00}, each for a total amount {$290.00}. On XXXX, Walmart posted another credit in the amount of {$370.00}, leaving an outstanding balance of {$370.00}, due back to the consumer. 

After reaching out to Walmart numerous times and told the additional credit would be processed On or around XX/XX/2020, I disputed the remaining charge of {$520.00}, directly with the cardholder Synchrony Bank and explained Walmart only provided a partial refund and the consumer was still owed an additional {$370.00}, to zero out the over charges. 

I completed Synchrony Bank required paperwork only to receive an email message from Synchrony Bank confirming partial credits were received but failed to investigate or address the actual issue the remaining balance/credit in the amount of {$370.00}, due back to the consumer account. 

I reached out to Synchrony Bank again disputed the remaining charges asked for an investigation only to receive another request for the same information which was supplied. 

Synchrony Bank has quietly obtained several credit card accounts and now is the card holder for at least ( 4 ) credit card accounts where the consumer did not apply or consent to Synchrony Bank taking over this many accounts and consolidating control over some many of the consumers account which should be illegal.

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 2021-01-21
Company: eToro USA LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I inadvertently transferred {$5000.00} XXXX XXXX XXXX dollars ) to a closed online account i had with eToro USA LLC and I need the money refunded but have not been able to get a hold of anyone at the company. I have called the number listed on the website and it directs me to an answering machine asking I leave a message, I have done that with no response. I have emailed and opened several tickets but i get ignored and sometimes my emails bounce back. I feel like i have been scammed.The transaction confirmation number is XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Ceannate
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this company is calling me for a dept that is not mine they call my sister and get my adress from her they call me many time and i teell then to stop calling me ... .i have all my credit card and i never been late in my payments ... i have no idea where they have all the information from probably that was from my father with my same name but i m not resposible for this bill ... my father past away around 15 years ago ... this same problem i have few years ago ... please try to help me they are driving me crazy ... also if that belongs to my father ..here in florida we have 7 years statue of limitation ... please try the ebst you cant to stop this people botherdme ... 

Thanks XXXX XXXX XXXX Here enclosed you find the last letter that i received

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Midwest Fidelity Services, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midwest fidelity XXXX has beeneaving messages about aoan they claim I took out in 2015 for {$1500.00} they can be reached at accounts @ midwestfidelity. I contacted them and I asked for information. They provided me a address phone number and the last four of my social security. The address and phone number were not mine however the last 4 of my SS was. They told me to contact this site and file a complaint. I have never applied for a loan at XXXX XXXXXXXX, no XXXX XXXX XXXX in my life. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied for membership for USAA based on the eligibility that my father is a military vet with an honorable discharge. I have been met with excuse and hurdle after hurdle, with no one being able to tell me what is wrong with my account and why I can not access Usaa.com. I keep being told my account is restricted and i went through a rigorous verification process, being asked over ten questions. I was able to successfully verify my identity but still my account is restricted and they can not tell me why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-01
Company: EQUIFAX, INC.
State: NJ
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:
In XX/XX/2020, I disputed my account and the result was This creditor has verified that the date is being reported correctly. As a consequence, In XXXX I sent another letter requesting Method of Verification but they failed to provide the method verification. Kindly see both results attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Westlake Services, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/XXXX, I went to Enterprise Car Sales in XXXX, PA to purchase a vehicle, XXXX XXXX XXXX. I filled out the credit application prior to so they can ensure that I was able to get a car loan since this is my 1st car loan. XXXX from XXXX XXXX XXXX  in XXXX, PA then connected me with Westlake Financial Services. Westlake financial services offered me a loan with a down payment of {$2600.00}. My car payments roughly would've been {$400.00} a month, which is what we agreed to. On XX/XX/XXXX ( Almost a month into the contract ) XXXX from XXXX Car Sales call me and states that Westlake Financial Services was not able to finalize the car loan just yet. They asked me if I can provide {$3000.00} more that day, I told them I do not have {$3000.00} more just out of the blue just to give you when we agreed on a {$2600.00} down payment. They claim the reason for this was because my credit score was not high enough? Which is what I am confused about. They showed me my credit score and I signed the papers from Westlake Financial Services, so we mutually saw my credit score and agreed to my rate. Westlake Financial Services claim that they " found more credit '' ( my name was legally changed years ago ) and without the higher down payment then I would have to return the vehicle. I'm just confused because my social security number never changed? Just my name. People change their names  everyday for various reasons. Since I am an identifying XXXX   XXXX and my previous name was a male name, for some reason they start referring to me as " sir ''! I'm just unsure what to even do.

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 2020-08-26
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received two letters from USCB America attempting to collect a medical debt around XX/XX/2020. One bill was about {$800.00} and the second was a little over {$200.00}. Due to the pandemic, losing my job, and general life events I wasn't able to make contact with them until XX/XX/2020. I called XXXX ( who apparently reported these charges ) and they told me they didn't have access to review anything because it was now " in collections hands. I sent the company a debt validation letter for each of the bills they sent me in order to verify these charges before I made arrangements to pay it off. I never received a response from this company and it has been 45+ days since my note was delivered. I sent both letters via certified mail to document the contact I made. 

These bills going to collections have really impacted my score and I'm not really sure how to move forward. My goal was to verify the legitimacy of this letter and see what I need to do because my primary concern is maintaining a good credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

DEPTEDXXXX  XXXX {$1700.00} XXXX XXXX {$0.00} XXXX XXXX {$220.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX {$0.00} XXXX  XXXX {$11000.00}

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 explanation
Consumer complaint received 2018-07-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir, Wells Fargo has doubled my mortgage payment and raised my rate and railroaded me to pay taxes and insurance when they had already been paid. 

I have fought them for over a year to correct this with no result. At one point they were going to foreclose on my house. 

Im a XXXX veteran with limited income ; can you help? 

Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Leap Credit, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have had multiple problems with this company and payments over the life of my loan. They will not provide anything in writing and continually tel me two more days, two more days while interest keeps charging. They can never answer my questions right away and never call me back when they say they are going to. They have very bad business practices. Do not work with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for a XXXX XXXX credit card today XX/XX/2020 and I was not approved because apparently there are several accounts in negative standing appearing on my credit report. I looked through each of those accounts and none of them belong to me. I did not open any of those accounts nor did I allow anyone to open those accounts in my name using my personal information. I did not benefit anything from those accounts and I did not make any payments towards any of these accounts. I don't know who opened these accounts without my permission so I reported it to the police as well as the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.

Company response to consumer: Closed with explanation