BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-08
Company: EQUIFAX, INC.
State: SC
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:
Equifax continues to report fradugelent information on my credit report after I have provided with proof of a police report & identity theft report that these accounts do not belong to me. I have no knowledge of these account or give anyone permission to open these accounts in my name. The following accounts XXXX Servicing, XXXX ( listed two times ), XXXX, XXXX XXXX, XXXX   do not belong to me. They are also reporting names that I told them are incorrect. My name is XXXX XXXX that is how my name should be on my credit repport. I have never lived at XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX  XXXX XXXX XXXX These inquires that are being report I never gave anyone permission to access my credit or review it for the following companies 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30
Company: CITIBANK, N.A.
State: UT
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 XX/XX/XXXX, {$480.00} was charged to my Citi Mastercard for XXXX XXXX. I, nor anyone on my behalf purchased airfare.

On XX/XX/XXXX, I discovered the fraudulent charge and notified Citi. They closed my card and issued a refund.

On XX/XX/XXXX, Citi reversed the refund issued and placed back the fraudulent charge of {$480.00}.

On XX/XX/XXXX, Citi card emailed me at XXXX requesting that I verify that I have reviewed my statement and still confirm that I am disputing. I responded that same day at XXXX confirming that I nor anyone authorized by me made this charge or received any benefit from this charge. Received a copy of the response from XXXX XXXX and a copy of the ticket. It did not reflect correct information that even matches my husband 's name. The middle name listed on the flight information says XXXX, but my husband 's middle name is XXXX. It also shows an email address that is not an email address we have and the phone number listed is not our phone numbers.

On XX/XX/XXXX, I spoke to XXXX XXXX in the Citi credit card fraud department. She stated that the matter would be resolved in 7-8 business days.

On XX/XX/XXXX at XXXX, I spoke to XXXX   who stated that there were no updates on the account since the last conversation on XX/XX/XXXX. She stated that she sent the request to be expedited and will follow up with XXXX XXXX and the merchant. She also stated that it should be resolved by time the billing statement ended on XX/XX/XXXX or XX/XX/XXXX. On XX/XX/XXXX at XXXX, I spoke to XXXX  in Citi card fraud department. He told me the refund had been issued on XX/XX/XXXX. I explained that I had checked my credit card statement and no refund is reflecting on my account. He hung up on me at XXXX. I immediately called back again and spoke to XXXX in Citi card fraud department. She stated that she is raising a formal complaint and it was unknown when the issue would be resolved.

Currently, as of XX/XX/XXXX, no refund has been issued back for the fraudulent charge of {$480.00}.

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 monetary relief
Consumer complaint received 2019-06-08
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: Account status incorrect

Complaint:
Made a payment of {$110.00} to XXXX XXXX  for my XXXX card account on XX/XX/2019 on their automated system. Their system stores two bank accounts with the same bank ( XXXX ) that I usually use to make payments. The payment was sent to the wrong account and the bank returned the payment on the XX/XX/XXXX. and I was reported that I missed my payment to the credit bureau. I had adequate funds of {$18000.00} during this period in the account that the payment was supposed to be withdrawn from.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
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: Account status incorrect

Complaint:
Made a payment of {$110.00} to XXXX XXXX  for my XXXX card account on XX/XX/2019 on their automated system. Their system stores two bank accounts with the same bank ( XXXX ) that I usually use to make payments. The payment was sent to the wrong account and the bank returned the payment on the XX/XX/XXXX. and I was reported that I missed my payment to the credit bureau. I had adequate funds of {$18000.00} during this period in the account that the payment was supposed to be withdrawn from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Madeapaymentof{$110.00}toXXXXXXXXformyXXXXcardaccountonXX/XX/2019ontheirautomatedsystem.Theirsystemstorestwobankaccountswiththesamebank(XXXX)thatIusuallyusetomakepayments.ThepaymentwassenttothewrongaccountandthebankreturnedthepaymentontheXX/XX/XXXX.andIwasreportedthatImissedmypaymenttothecreditbureau.Ihadadequatefundsof{$18000.00}duringthisperiodintheaccountthatthepaymentwassupposedtobewithdrawnfrom.

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 2020-09-01
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I initiated a money transfer of XXXX on XX/XX/2020 using Western Union. The tracking number of the transaction is XXXX. 

When the funds did not reach the receivers bank account even after three weeks I was given a reference number XXXX for my complaint. 

I was told that the receivers bank account rejected the transaction, which was absolutely incorrect as funds sent by other Money transfer app was credited to the same receivers account. 

I called customer care every day inquiring about the transaction but was kept on long wait time and never got the accurate facts about the money transfer.

After raising a complaint with CFPB, western union agreed to refund the entire amount on XX/XX/2020. Already one month had passed by then from the day when money transfer was initiated. 

The mail is attached and Western union replied with reference number # XXXX. 

Even after so much, THE MONEY HAVE STILL NOT BEEN REFUNDED to my account. 

I am being harassed by western union customer care every day when I try to reach them inquiring about the money. 

I am losing my sleep over this and have to take pills. The whole situation is affecting my health and career as I am not able to concentrate on my work. 
Looks liken western union is illegally not releasing my money and indulging in profiteering. 

I request the CFPB to kindly look into the matter and help me in getting back my money from western union. I request to provide me legal aid if deemed necessary to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
My bankruptcy has been removed from all 3 credit reporting agencies as it was 10 years old, however, I had a consumer statement pertaining to bankruptcy and this statement should have been deleted once the bankruptcy is deleted. 

XXXX did not remove this statement and I believe that XXXX   and Experian did not remove the consumer statement as well.

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 2019-06-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My bankruptcy has been removed from all 3 credit reporting agencies as it was 10 years old, however, I had a consumer statement pertaining to bankruptcy and this statement should have been deleted once the bankruptcy is deleted. 

XXXX did not remove this statement and I believe that Equifax and XXXX did not remove the consumer statement as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: U.S. BANCORP
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On my credit report for US Bank for a lease that I had, it is stating that I have 3 late  payments. One in XX/XX/2018, XX/XX/2018, & XX/XX/2018. There is an inconsistency for this seeing as I paid my car payments for these months and it is reporting late and ruining my credit score. The car loan ended up being paid off in full and the creditor ( US Bank ) even sent me a check for an over payment that I made. I am requesting that the late payments to be removed and the account put in good standing seeing as the account is closed, but the late payments are still on 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 2019-06-08
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
InXX/XX/2019, I received 2 notifications from XXXX XXXX that my JCPenney credit card account was closed by the creditor. XXXX  reported it closed XX/XX/19, and XXXX  on XX/XX/2019. However, my account is still open, because I used my card a couple times in XX/XX/2019, one of the purchases was made on XX/XX/2019. I never got any notification from the  creditor that my account was closing, and my account is not delinquent. This is not okay.

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 2020-09-19
Company: Self Financial Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2020 I received an e-mail that informed me that I needed two forms of ID after I attempted to close my credit builder account with Self Financial. The e-mail stated that Self Lender 's banking partner requires two forms of ID to close the Credit Builder Account and to close the Secured Credit Card. I submitted a copy of my driver 's license and informed them that I could not send a copy of the debit card they were requesting. As of today I have not received the funds that are in the account and I am not able to " close '' this account due to the fact that this bank is asking for a photo of a debit card that I no longer have. I recently submitted two forms of ID, My driver 's license and a photo of a debit card that is linked to a current checking account. I received an e-mail today stating that the compliance department still needs a copy of the exact debit card that was previously requested, which I do not have. I have already submitted those two forms of ID and I am still not able to get this account closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern, I have been trying to work with Experian in regards to items on my credit report that do not belong to me. They are not being helpful even after multiple attempts to communicate. They refuse to remove a couple items. I have attempted to communicate in XXXX, XXXX, XXXX and XXXX of 2020. They are refusing to assist. 

The following are the items that do not belong to me in which Experian refuses to delete : XXXX XXXX Auto Finance # XXXX {$17000.00} XXXX XXXX # XXXX {$290.00}

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 2020-09-01
Company: Experian Information Solutions Inc.
State: GA
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 submitted a dispute to Experian, XXXX, and XXXX  on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report. 

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium. 

After contacting each bureau I was instructed to contact CFPB and file my complaint. 

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.

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 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This letter is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX the account payment history is incorrect. Account never late. Please update. XXXX XXXX XXXX XXXX. No knowledge of account. Also this account shows a bankruptcy. An account can not report monthly if an account shows a bankruptcy. Non Factual reporting. Please delete the account. XXXX XXXX   XXXX The account payment history is incorrect. The account reflects multiple of the same amount of days outstanding every month consecutively from XX/XX/XXXX-XX/XX/XXXX. An account can not have the same amount of days outstanding consecutively every month. This is non-factual reporting. Please remove latenesses. XXXX XXXX   XXXX Does not have a contract with the company. Please delete. DEPT OF ED / XXXX XXXX This account payment history is incorrect. The account reflects three 120 late 's XX/XX/XXXX-XX/XX/XXXX and two 120 dates consecutively in XXXX, An account can not have the same amount of days outstanding consecutively every month. This account has never been late. Please update DEPT OF ED / XXXX XXXX This account payment is incorrect. The account reflects three 120 late 's XX/XX/XXXX-XX/XX/XXXX and two 120 dates consecutively in XX/XX/XXXX, An account can not have the same amount of days outstanding consecutively every month. This account has never been late. Please update. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2023-01-30
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpoint knows all they have to do is send a misleading statement and CFPB will close the case XXXX. They overcharged me. Then, they applied money back to the principal. Then, they skipped two payments and now they are using there overcharge to misrepresent that they corrected to muddle the facts. In the letter, Shellpoint never addresses that it was a covid modification and whether it received funds from the government to cover back interest and escrow. 

In the letter, Shellpoint claims the {$65000.00} is for XX/XX/2022. This again is a red-herring. The XXXX covers the entire year of XXXX. So, if my statement at the end of XX/XX/2022 reflects XXXX, then the XXXX should reflect the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX @ XXXX, I deposited a check from my insurance company that was endorsed by myself, my husband, and our mortgage servicer for {$5100.00}. I received a printout of the deposit which included a picture of the front of the check. The deposit slip, although showing the front side of the check, listed the deposited amount as {$5000.00} ; {$100.00} short of the full amount of the check. On XX/XX/XXXX, I went to my bank ( US Bank - XXXX, IA XXXX ) to alert them the amount scanned by the ATM was incorrect. It is important to note that my bank does not take calls nor has an open lobby during the pandemic ; all transactions are via drive up only. On that date, XX/XX/XXXX, the teller took my name and a copy of the deposit receipt, then informed me that the branch manager would call me that afternoon. I received no call. 
On XX/XX/XXXX around XXXX, I tried to pay a utility bill using my debit card and it was declined. I checked my balance and was alarmed that the deposit was reversed and my account was now overdrawn. At XXXX I went to my bank and sat in the line at the only open window for 20 minutes. Once I was able to get to the teller window, I again, addressed the incorrect amount scanned by their ATM, and now, inquired into the reversal of the deposit altogether. I was informed by the branch manager, XXXX XXXX, that my mortgage company did not endorse it, so the check had been rejected. I informed the branch manager that my mortgage company HAD endorsed the check. XXXX said I had two options given they, US Bank, did not own the ATM machine in their parking lot that, ironically, had the US Bank name on it. The options stated by the bank manager were as follows : 1 ) wait for the ATM company to issue me a " certified, legal '' copy of my check to which I could bring back to my bank for them to inspect as to whether they would cash it, or 2 ) have my insurance company reissue a new check, which would then be 3 days in the mail from my insurance company, then another five for my mortgage company to endorse and return to me to go through the same process. Another important note is the derecho storm we had here in Iowa that originated the insurance check in the first place. This insurance claim check was to pay for the removal of a huge ash tree that is leaning toward my house, as well as, the neighbors. 
The way in which US Bank handled our check is unacceptable!

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 2019-05-30
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NATIONAL CREDIT SYSTEMS at XXXX XXXX XXXX, XXXX, GA XXXX or ( XXXX ) XXXX {$5900.00} to {$1900.00} Since 2014 I have been charged an enormous amount that a debt buyer purchased without a thorough investigation. I have been calling a couple of times per year to get this resolved with no avail. A dispute with XXXX was recently modified but no actual changes to the amount was completed. The apartment complex actually sent me an email and tried to reach out to national credit system but XXXX wasn't trying to mitigate the situation. I reached to speak with him several times. The last time he placed me on a 45 minute hold when I asked to speak to a supervisor. The amount should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
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:
credit company combined my file the XXXX data breach has cause me so much harm please get these ftc violation off my 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 2019-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2017. 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