BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-01
Company: CITIBANK, N.A.
State: CA
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:
I purchased airline ticket from XXXX XXXX on XX/XX/XXXX for {$240.00}. 
XXXX XXXX airline cancelled my flight and refused to issue me a refund. 
I opened dispute with Citi Cards on XX/XX/XXXX. 
On XX/XX/XXXX Citi closed the dispute sending me this communication : " '' '' '' '' '' '' '' '' '' '' '' '' '' '' Citi ( R ) Cards XXXX XXXX    XXXX XXXX XXXX, SD XXXX This letter concerns the transaction described below made with card number Date Amount Description XX/XX/XXXX {$240.00} XXXX XXXX XXXX XXXX   XXXX NY We needed your response to our XX/XX/XXXX letter no later than XX/XX/XXXX in order to continue our investigation. Since no reply was received by this date, the dispute was closed. We apologize for any inconvenience this may have caused. 
We regret that we are unable to assist you in this matter. 
" " '' '' '' '' '' '' '' '' '' '' '' '' '' The problem is that I never receive the communication Citi claims they send to me on XX/XX/XXXX in Noticed and Letters section of citi.com about this particular dispute. 
Even now if I check Noticed and Letters section of citi.com, I don't see the letter Citi claims they have sent to me on XX/XX/XXXX. Strangely, I see 3 letters for other dispute sent to me on XX/XX/XXXX. These 3 letters seems to be copies of each other. None of these letters mentioning the dispute I have a problem with. I think Noticed and Letters section of citi.com has a glitch. I've send video recording and series of screenshots demonstrating this problem to Citi without any recourse from their side.

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 2018-04-04
Company: BB&T CORPORATION
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 have an auto loan on my credit report that is not mine. I have contacted the company they feel the signature is similar to mine and dont want to remove it from my credit report. They have failed to see the signature on the contract is the same in all 4 boxes and is misspelled the same way in all 4 boxes. The document being used to assume its mine doesnt have my name misspelled on it. Hence I dont leave letters out of my name when signing my signature. I also was not living at the address they say I was living at the time and will attach documents to support my different address. I have sent requests to the credit reporting agencies along with my identity theft report and still they are refusing to remove it. Which at this Point is showing gross negligence on the company and credit reporting agencies. In turn leaving me options to monetary damages if I was to take action for the damages I have incurred as a result of inaccuracies.

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 2021-09-04
Company: Essential Lending Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just got correspondence back from Wise Loan, theyre stating that I had loan documents but this is not my signature, even if this is identity theft this isnt a contract that has my wet signature due to the FDCPA this document must be provided. Ill file an identity theft report with the police but this debt needs to be removed from all 3 of my credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: Certegy Holdings, LLC
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Tried to pay for groceries at XXXX, a store I have been shopping at several times a month since it opened in approximately XX/XX/XXXX, on XX/XX/XXXX with a check for {$190.00}. Check was declined based on information provide by Certegy. Manager resubmitted check, it was again declined. Only recourse offered was to contact Certegy. Cashier said I could use a debit or credit card instead.

Used online consumer contact form to email XXXX Customer Service. Response labeled as case number XXXX said they had forwarded my complaint to the store manager. Since the manager is the one who stomped away from the cash register after curtly telling me my only recourse is to contact Certegy, I consider this a brush off. Case tracking number is XXXX.

Used phone request system to request my file from Certegy. Received the file stating there were two attempted transactions in the past 24 months with their firm, both of them for the one check I attempted to use at XXXX. There are no declined items on file. The reason code provided is XXXX, which states basically that they will not tell me why they declined it. There is no appeal of their decision and no way to make sure they allow checks to go through anywhere they provide check authorization services. Tracking number is XXXX.

Did research on the internet. Apparently Certegy takes into account only people who use checks at companies that use Certegy 's services. They have no visibility into a customer 's credit worthiness or prior bad checks, and so are apparently declining based on whim.

I have not bounced any checks, do have money in the bank, and do have a decent credit rating. The bank account on which my check was drawn is one I have done business with for over 10 years.

Have contacted my State 's Attorney General, the Federal Trade Commission, Certegy, XXXX  and my bank regarding 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 2023-06-20
Company: TD BANK US HOLDING COMPANY
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:
I am writing this letter in reference to XXXX that your company is currently reporting to XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
UNAUTHORIZED INQUIRIES APPEARING ON MY XXXX, TRANSUNION, AND XXXX! 

XX/XX/XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX-XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Nationwide Credit & Collection, Inc.
State: IL
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 another letter from Nationwide Credit Collections , Inc. In regards to a debt owe to XXXX XXXX. I requested for them to let me verify this debt. However, as you can see on my previous complaint ID from XXXX submitted on XX/XX/2020 Consumer Financial Protection Bureau. I requested for them to send me all inquiries about this debt.

I need for them to provide me with what I am asking. I don't recall owing anything to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Experian Information Solutions Inc.
State: AL
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:
On XX/XX/2020 i sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. I feel like I ', being ignored and taken advantage of in my disputes. Section 511 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I've been very patient but now it's been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will have to file litigation due to the stress you caused me and my inability to get credit due to these inaccurate items. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2018-04-04
Company: Experian Information Solutions Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
I mailed out to Experian to add my Release of Lien via Document number XXXX  by the State Board of Equalization delivered on XX/XX/XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in XX/XX/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 2020-10-15
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:
I have been trying to get these incorrect addresses belong to me removed from my credit report. I have sent letters every month to Transunion, XXXX, and XXXX and I have not received any mail back from them and no movement. 

Please remove these wrong addresses proof of my residential address is attached : Transunion XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: MRS BPO, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Mrsbpo XXXX XXXX XXXX XXXX XXXX nj XXXX is attempting to collect {$630.00} claiming they are a debt collector for a credit card I have never had. They call multiple times and have sent letter asking for payment.

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 2019-06-09
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am the XXXX of other country and non-resident XXXX  of U.S. 
I opened saving account for XXXX, but they refused to recieve Form W-8 BEN, which is required for avoiding us from being imposed double taxation and should be repoted to IRS. 
For this reason, they don't give us motivation keep the account after making initial set up of the new account. 
Moreover, my wife has a deplomatic visa and it should not be required to have SSN for her credit certificate. But XXXX refused to create the joint account with her for her not having SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I Paypaled a lady {$97.00} for XXXX XXXX Concert Tickets. I have yet to receive the 2 tickets I purchased. I have tried contacting her multiple times. She was transfering me the ticktes through XXXX. I have also contacted them about not receiving what I purchased. I have done a request of {$90.00} dollars to the lady on Paypal. I need to know the next step to take. I either want my money back or I want the tickets. The tickets are dated for XXXX XXXX at XXXX XXXX XXXX, XXXX GA at XXXX. 
Please contact me here or via email to further more discuss this problem. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: ENCORE CAPITAL GROUP 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 belongs to someone else

Complaint:
On XX/XX/2020, MIDLAND FUNDING add a derogatory marks on my credit report per XXXX  and XXXX. Original creditors : XXXX XXXX, XXXX XXXXand XXXX XXXX XXXX XXXX XXXX.. Upon further research, those accounts were transferred /sold and I am no longer responsible for them. Debtors creditors did not verify those collections. Also there were no written form of communication, contract or signature for those accounts debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-19
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing this complaint letter for XXXX XXXX to furnish the information as required by consumer law. XXXX XXXX and American Adjustment Bureau have FAILED to provide an itemized invoice, the original contract of payment, dates of service, and location of service.American Adjustment Bureau XXXX filed in my federal and state complaints. I demand that this fraudulent debt and negative credit reporting be removed from my credit report and all debts be deleted. XXXX XXXX and American Adjustment Bureau have failed to provide any proof that this debt is valid as demanded by federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
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:
XXXX XXXX provided validation of debt with inaccuracies. The card acceptance certificate dated on XX/XX/XXXX to XXXX XXXX XXXX XXXX, TX XXXX was not my current address. From XX/XX/XXXX - XX/XX/XXXX, my home address was XXXX XXXX XXXX, TX XXXX and from XX/XX/XXXX to current my home address is XXXX XXXX XXXX XXXX, TX XXXX. My email address XXXX XXXX has listed for me is XXXX. This is also invalid. 

I will be filling a copy of the acceptance certificate with my police 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 2017-12-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Fifth Third Bank has a deposit practice of " holding '' a deposit depending on account activity for up to 7 business days if you deposit a paper check. It is their policy to hold these funds regardless of funds availability by the sending institution. 

I was advised today that based on my account status, EVEN IF THE SENDING INSTITUTION VALIDATED FUNDS AVAILABLITY they would withhold the funds that had already cleared my bank account for UP TO 7 BUSINESS DAYS. Again, regardless of the funds being cleared and available for my account, they will not release the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I started the process of refinancing my mortgage. I was then told that my mortgage company, Freedom Mortgage, had not paid my taxes for the last quarter of XXXX. I opened up an inquiry on that matter with their tax department. 
When I reviewed my annual escrow statement, it showed that they had issued the tax payment of {$580.00} out of my account in XX/XX/XXXX, but it was not reflected on my taxes. In addition, it showed THREE payments made in XXXX of XXXX to taxes. When I called and asked about it, I was told that it was to pay for the last quarter of XXXX 's taxes. When I asked them why the XXXX payment had not been re-deposited into my escrow account ( since the payment was never made on my behalf ) they said they would open an inquiry. 
Now, I went to pay my auto insurance, and see that NO PAYMENT has been made for my homeowners, which was due XX/XX/XXXX. My escrow account was debited for the entire amount of my homeowners ( {$1600.00} ) on XX/XX/XXXX, but has yet to make it to my insurance bill. 
Additionally, Freedom Mortgage has now upped my escrow because there is not enough " cushion ''. There is not enough cushion because the have made incorrect payments out of my account. 
Due to the tax situation, I recently put in a request to stop having Freedom Mortgage escrow my mortgage. I was denied because the escrow account is negative, which is, again, because they made incorrect payments out of my account.

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: 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX reported my payment 30 days late in the month of XXXX and XXXX although the payment was paid in XXXX and XXXX. 

This inaccuracy in reporting is damaging the credibility with other lenders. 

XXXX XXXX own internal reporting does not indicate that the payment is late, nor do they assess a late fee for the period in which they insist was delinquent. 

They refuse to fix the issue by contacting the three main credit bureaus to report the error. 

XXXX XXXX is a predatory lender that is taking advantage of individuals attempting to establish or rebuild their credit.

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: 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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. CHAPTER XXXX BANKRUPTCY FILED XXXX XX/XX/2020 {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED 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 2017-08-06
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I settled a XXXX XXXX account for less than owed and was sent a XXXX. This company should no longer be 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 non-monetary relief
Consumer complaint received 2020-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Since Friday XXXX XXXX I have been unable to access my account online or on the phone, I can not see my balance or pay my bills. I have spent hours on the phone with customer service who have told me conflicting reasons such as a platform upgrade, a decision to no longer offer online banking to escrow accounts, and a service interruption At no time was any notice given and the inability to receive a clear explanation as to what is going on is maddening.

Company response to consumer: Closed with explanation