BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-23
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2019, I contacted Equifax because I'm applying for a mortgage but the current address has not been updated on my Equifax report. I have lived at this address for 1.5 years and it is correctly listed with the other credit reporting agencies. I was still that they were not able to help me and to fax a copy of my social security card along with my current driver 's license to them. I promptly faxed both along with a cover letter with the reason for the submission being that the address needs to be updated on my Equifax report. I was told that it would 5-7 business days for the information to be updated. On XX/XX/XXXX, I received a notice from Equifax dated XX/XX/XXXX that they received my documents but are not able to update my information because they can not find a current file for me. I called Equifax to try to correct the information but the customer service agent was not able to access the system due to a " system update '' and to call back in 30-60 minutes. I attempted to call again but the system was still unavailable. I tried calling again on XX/XX/XXXX and was told that they were still experiencing a system update. I attempted to call again on XX/XX/XXXX and spoke with a representative. She said that they received the fax but that my social security card is not valid and does not match their records. I requested to speak with a supervisor. The supervisor said that they are experiencing a system update and she can not access my account. I requested another supervisor and she retrieved the documents, attached them to my credit report, and updated my current address manually. She said that it will now be 30 days before the information is reflected on my Equifax report. This call took 45 minutes. Since beginning this process I have spent close to 40 hours on the telephone attempting to have this information updated. Just to speak with a representative each time it takes XXXX in the automated system and I'm often disconnected before speaking with anybody. The solutions offered are nonexistent, repetitive, and often incoherent. I've been told repeatedly that I just need to resubmit the documents or that the documents submitted were invalid. When I've asked to speak to a supervisor, multiple times it has been the same person using a different name. I would just like this information updated in a timely fashion so that I can attempt to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from 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 non-monetary relief
Consumer complaint received 2023-07-19
Company: RoundPoint Mortgage Servicing LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the FIFTH month in a row Round point failed to apply my payment correctly. I've submitted MORE than the amount due. I've called and informed them how I'd like the payment applied and they continue to ignore my request and fraudulently charge me a late fee.

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 2021-12-16
Company: AMERICAN EXPRESS COMPANY
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:
XXXX is not accurately reporting XXXX accounts that have been closed this month showing balances that have been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Since my bank account balance has dropped below {$1000.00} at all times, I have had nothing but issues with the bank. The most recent issue was between pay cycles. Although I opted out of overdraft & turned off my debit card, i still went into overdraft, and was charged 5x. 

XX/XX/30 tier 2 overdraft item charge {$38.00} XXXX XXXX tier 2 overdraft item charge {$38.00} XXXX reoccurring overdraft item charge {$28.00} XXXX tier 2 overdraft item charge {$38.00} totaling {$180.00} this is oppression and unethical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15
Company: CITIBANK, N.A.
State: AZ
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:
XXXX XX/XX/2019 I locked the card and announced that further charges are unauthorized. I called several times and contacted via web chat. I even cancelled one card and gotten a new one. I am still getting recurrent charged that I have announced as unauthorized. For now its up to XXXX dollars of those charges made after XXXX XXXX. The credit card company does nothing but sending me bills on the card I dont use. I told them that as soon as I am done paying I am closing an account. So now they keep posting recurrent charges as approved while they are not approved nor authorized, because I am telling that! 
I am tired dealing with this company ( Citibank ) and I want to resolve unauthorized charges and to close this account. Thanx

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Harris & Harris, Ltd.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I ended up at XXXX XXXX due to severe pain in my XXXX and a XXXX XXXX. I was in the above hospital from XX/XX/XXXX to XX/XX/XXXX During my stay in the hospital, I received a complex of medical treatment and procedures. He was discharged from the hospital on XX/XX/XXXX. That is, he was in the hospital for a day. 
On XX/XX/XXXX I received an invoice for treatment in the amount of XXXX &. My insurance company XXXX paid for 80 percent of the treatment and I had to pay the remaining amount of XXXX &. On XX/XX/XXXX, this invoice was paid by me in full. 
However, on XX/XX/XXXX I received a new invoice from the hospital for payment of my treatment in the period from XX/XX/XXXX to XX/XX/XXXX. This bill, 80 percent of the cost, was paid by my insurance company ( XXXX & ). I was billed for a payment of XXXX &. 
I do not agree with this amount of the invoice for treatment! I consider it unreasonably high and not payable. 
Now I will explain why! 
Based on Illinois and national average cost of drugs and medical procedures provided by the government website XXXX. your bill is too high and does not match the average prices for medicines and medical procedures. I will give only three examples from the invoice you issued in the comparative table, based on XXXX data I sent my objections in writing, by letter with acknowledgment of receipt, to the financial department of the hospital for a world order to resolve the issue. However, my appeal remained unanswered. In addition, the collection of the account was transferred for execution to collectors. About which I received a letter. 

I ask you to help me in resolving my financial dispute with XXXX XXXX and acknowledge the bill presented to me too overpriced

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Maximus Education, LLC dba Aidvantage
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a student loan & a Parent Plus Loan through Aidvantage. On XXXX I tried to make a payment on the Parent Plus Loan, I received a payment confirmation email, but the funds never left my bank account. I tried the payment again on XX/XX/ and the same thing happened. In my Account History, the payment is logged but then followed by a 'Payment Reversal ' from Aidvantage XXXX 
Aidvantage says it was because of an error in the account numbers I entered, but provided no additional assistance or advice. The bank account & routing numbers were correct both times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: VYSTAR CREDIT UNION
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 a Checking account with Vystar Credit Union XX/XX/2023 and was denied. In the letter it states that their decision was based in whole or in part on information obtained in a report from the consumer reporting agency, but also states the reporting agency played no part in their decision and is unable to supply specific reasons why they have denied my request to open a deposit account in their institution. 
Pursuant to 15 usc 1692e- The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Which in this letter, Vystar Credit Union is being very misleading once they obtained information on my consumer report.

Pursuant to 15 usc 1681 ( a ) ( 1 ) - The bank is dependent upon my consumer report being fair and accurate.

Pursuant to 15 usc 1602 ( l ) - The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit I used my social security card which falls under the term " credit card '' and I have received no benefit which is fraudulent activity.

I put an application in in good faith but an account was not issued.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have send letters disputing wrong negative information on my report. Transunion has mail me the results as verify but I have never received any legal proof that negative unverifiable information belongs to 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 2023-02-05
Company: DISCOVER BANK
State: OK
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:
My credit score went down over XXXX points in less than XXXX weeks because I closed my Discover Card. I think the people at Discover sent a negative report as a means of hurting my score. I had to close the account in order lower my debt on my XXXX XXXX and filed a complaint on Discover service team for harassing me to keep my account open with them. They take forever to contact on the phone. Ive spent years building my credit and spent thousands with my cards and do not deserve to be punished like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
upon checking my report I stumbled across fraud on my account. after closely reviewing the information furnished on my report I can not understand nor remember going into a agreement with this company. They are furnishing bad reports and being deceptive to the system, my credit report and Transunion are allowing them to violate my consumer rights. I certified mailed a verification of debt and cease all communication until all things are solved but this is still on my credit until this day. Tranunion and this company received certified correspondence from me. attached is the document I sent to both companies

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 2021-09-14
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2021 I received a charge I did not recognize on my account. I reported it to Barclays fraud department for my uber  credit card, and they took the charges off. Then, at some point in XXXX, they posted the charge back onto my account without informing me whatsoever. In XXXX I received an email that I had outstanding balances on my account, as well as late fees for overdue payment. I then received a letter in the mail in XXXX that Uber was investigating the case. 

I should not be responsible for fraudulent charges, nor should I be responsible for late fees on balance I never knew I had

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 2023-10-04
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My Citibank account XXXX has been locked for months now due to a fraud Alert. I have called Citibank customer service to clear this alert several times from my phone number on file. XXXX. Citibank said they sent a verification code to my phone number but i never received it. Then when i asked them to resend the code they said my phone number isnt verified in the system and asked me if i had another number, which i dont. They also said they mailed me a reference number to my address on file yet i never received it. I even visited the branch with my ID and they didnt unlock it. This is absolutely ridiculous. I need my account access restored immediately, i still have my debit card in my possession. No one else has access to my account. I have already verified that all transactions and account activity was made by me! Please unlock my account immediately and clear the fraud alert so that i can use my account again. 

XXXX XXXX Ssn : XXXX DOB : XX/XX/XXXX  Phone : 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 2021-12-16
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
While paying on a Mortgage note with Shell Point Mortgage Servicing owned by XXXX XXXX XXXX Co we fell behind in 2020 due to loss of work precipitated by Covid-19 on the World and as a result entered into a Forbearance agreement, on exiting the agreement we requested to be put into a deferral program but was denied and was only offered a loan modification consisting of higher interest rates and longer term or a repayment plan in lieu of pending and threatening foreclosure, we have been making the regular mtg payments plus some on time for over 10 yrs, we were never late, faced with this dilemma we chose the repayment plan, we were only behind approximately {$10000.00} with good equity and collateral, therefore no risk to Shell point , however we now have to come up with {$4900.00} and the remaining {$4900.00} split over 12 payments plus the regular mtg payment, mind you we are just exiting the forbearance plan due to financial difficulties, we have since been making the new agreed payments on time but to make matter worse Shell Point is reporting us late and delinquent causing further harm when we try to refinance or apply for any kind of loan to remedy the situation. 
We think this action taken by Shell point does extreme harm to its Customers, the Consumer who are already in a precarious and vulnerable situation and been taken advantage of by a Huge Corporation with unlimited options and resources at their disposal to ease the pain their Customer is going through so both will benefit amicable, instead they chose to make the Customers life as financially difficult as possible while their CEO is raking in Millions of Dollars at their Customers demise, expense while inflicting extreme financial hardship on the their Customer the Consumer. 
I hope this info shed some light on this Companys unethical business Practices towards their Customer the Consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My additional card holders credit card was stolen he went to check into a XXXX property and noticed his card was missing he immediately notified me and I contacted Comenity bank to inform them of this information as I logged into my online account waiting for an agent at Comenity I saw that the card was being utilized fraudulently. I informed Comenity bank that ALL the charges on my account are fraud as XXXX nor I made any of them and his card is clearly missing. I was advised temporary credits would be placed on the account and the charges reversed. This still has NOT happened. A statement has now generated and Im being asked to pay for these purchases. I am not paying for purchases that were not mine. His card was STOLEN! Comenity needs to remove these charges immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: Incomm Holdings Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I only ordered one gift card at {$50.00} value from Vanilla Visa gift cards ( vanillagift.com ) but when I got my confirmation order emailed to me, the confirmation said I was being charged for double my order. I KNOW that I reviewed my order prior to checking out online. I called the very minute, 3:55 PM on XX/XX/2021 I received the fraudulent confirmation order of {$100.00} and said that I had only intended to buy one card and I wanted them to cancel my order OR change it so that only one gift card was sent as a gift to the address I enclosed. 

On their website it says that they can amend orders if you call immediately as they like to be expedient in getting orders out. 

After being on hold for an HOUR I was told by a customer service representative that there was nothing I could do and that I would be charged XXXX dollars instead of XXXX. 

I had to report them as fraud to my credit card company so that the charge would not be applied to me. This was an expense for work and I fear I won't be reimbursed for this fraud. 

Since the incident, I have found that Vanilla Gift is well known for scamming customers in this way, but I wish I'd known that earlier as they seemed a reputable website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I made 2 purchases through XXXX. One for {$69.00} and another for {$20.00}. Towards the end of the day there was a change in plans and I contacted XXXX to cancel the purchase and they confirmed that they issued a refund and sent email confirmations. So I reached out to my bank ( Citibank ) and after speaking to them for the last 4 days Ive been given the run around about when my money will be back into my account. I was told a different time frame each time I called. And at this point I dont think anyone knows. But when it comes to dealing with a persons money this shouldnt happen. While this may not seem like a lot of money to most people. Its quite a bit to me. I work very hard for my money.

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 2019-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2023-10-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was out of town when my credit card arrived to my address. It had already been sent to the wrong address. When I returned home from a months long vacation I found the new credit cards statement and saw the XXXX and flight charges. I called XXXX, logged in my account and asked for details to the flights. Was unable to get refunded from the airlines. Flights were canceled and after disputing the charges Chase says I received benefit from those purchases and therefore responsible. I never bought or used flights. I filed a review for the claim, submitting proof that I was out of town and again was told that the charges were valid. No other explanations or proof I received benefit.

Company response to consumer: Closed with monetary relief