BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-01
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a validation letter to Nation Credit Systems They did not respond back at all They are in validation could nor validate or send anything then i sent a 2nd letter to let them know and got nothing i have prof that they got the letters

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
A fraudulent card was put in my name. I want every receipt with camera footage to prove that card debt belongs to me. So take that off 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 2021-06-01
Company: CBC Companies, 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: Account information incorrect

Complaint:
My old credit card account with XXXX XXXX was paid in full and closed by me. However on my credit report it still displays a current balance and is reporting as a charge off, my account was never charged off and any fees or payments on the account was paid in full at the time of closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: CITIBANK, N.A.
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:
Citibank is suing me for not paying for fraudulent charges made to my Best Buy credit card. These fraudulent charges were made on the night of XX/XX/2018. I received a phone call on that same night from Citibank security informing me that there were purchases made with my credit card. The purchases were made from two Best Buy store locations in XXXX. I confirmed to them that those purchases were not mine and were unauthorized. They told me that they would cancel the card and issue me a new one and assured me that I would not be responsible for paying for those charges. On XXXX of that same year I went out of the country for the holidays and when I got back in XXXX I found a letter in my mailbox from Citibank 's security division and in that letter they asked me to give them a call to get some information about the same credit card charges. They wanted to find out if I had received any other credit cards from them and I told them that the only one I had was the replacement card they sent me after my original card was compromised. A few weeks later I received another letter from their security division telling me that they didn't deem the purchases to be unauthorized and that I would be responsible for paying for those. I asked them how they came to that conclusion and the only reason they gave me was that I had a chipped card so no one else could have duplicated it. They told me that if I wished to further dispute the charges, I could write a letter to their Executive Response Unit. I did exactly that and explained to them all the events that transpired since XX/XX/XXXX of the previous year. I even had a few conversations over the phone with their ERU to discuss the matter. I even asked them to obtain video recordings from the stores involved but they told me they could not do that. In the end they seem to have deferred their decision based solely on what the security division decided. I had been a loyal Citibank customer for almost 25 years and never once did I default on my credit card payments to them. My credit history has always been excellent. And now, since I refused to pay for those charges they have ruined my credit rating and decided to sue me after three years.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

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 2019-11-25
Company: Experian Information Solutions Inc.
State: VA
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 did complain before and every time I asked for my credit report it is inconsistent with the report, first, my credit report says I owe XXXX {$700.00}, as I point out I'm current XXXX customer and XXXX never asked me for that bill, now my credit report change to I owe {$700.00} utility bill. I don't owe any utility bill, all our household bills pay by my husband. and my husband have an excellent credit score.

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 2023-04-28
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2021 XXXX they frozen my account because the person who wired the money used the wrong name. TD bank refuses to release the remaining balance they said im not entitled to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: EQUIFAX, INC.
State: MO
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:
After a couple of failed attempts I'm now Demanding that these accounts be blocked from my credit report in accordance to the literature within the FCRA or I'll have to file suit and start litigation and name your company as a co conspirator of the creditor inwhom is reporting un documented and unverified accounts in my name per credit reports .I 'm requesting that these accounts be removed immediately if you can not provide me with physical documentation and the method of verification used in your companies process. What is the name of your investigator and/ or employee, at what time and date and day did this take place. Also inwhom did your companies representative speak with, fax, emailed, etc. What physical documentation was provided and when did you provide me with such documentation as relating to me and the contracts with the creditors. If this is not afforded to me then again I'm Demanding that the following accounts be blocked/ removed from my report immediately. Accounts ... ( # 1 ) XXXX XXXX XXXX, ( # 2 ) XXXX XXXX XXXX {$5600.00}, ( # 3 ) XXXX XXXX   {$2800.00}, ( # 4 ) XXXX XXXX XXXX XXXX {$1700.00}, ( # 5 ) XXXX XXXX XXXX {$0.00}, ( # 6 ) XXXX XXXX XXXX {$680.00}, ( # 7 ) XXXX XXXX   XXXX {$670.00}, ( # 8 ) XXXX {$630.00}, ( # 9 ) XXXX XXXX XXXX {$140.00}, ( # 10 ) XXXX {$72.00}, ( # 11 ) XXXX XXXX XXXX {$71.00}, ( # 12 ) XXXX XXXX {$960.00}, ( # 13 ) XXXX   XXXX {$680.00}, ( # 14 ) XXXX XXXX XXXX {$0.00}, ( # 15 ) XXXX XXXX XXXX {$0.00}, ( # 16 ) XXXX XXXX XXXX {$30.00}. 

It is my understanding that per the Fair Credit Reporting Act this request must be given attention and completed within 30 days of your receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I wasn't made aware that I could opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX, and EQUIFAX credit reports. My latest credit report shows XXXX credit inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Fidelity National Information Services, Inc. (FNIS)
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:
On XX/XX/XXXX, I attempted to cash a check at XXXX XXXX, but it was denied and I was given a print out advising to call XXXX for more information. On XX/XX/XXXX, I called XXXX and requested a XXXX XXXX XXXX Report. Upon receiving the report, I observed on XX/XX/XXXX, check # XXXX for {$350.00} written to XXXX XXXX was never paid, reporting source is Complete Payment Recovery Services with contact information ( XXXX ) XXXX. On XX/XX/XXXX, I called Complete Payment Recovery Services and spoke to Representative, XXXX XXXX, which advised their company no longer holds that debt, and that I should notify XXXX Stores customer service ( XXXX ) XXXX. At that time, I notified XXXX Payment Solutions at XXXX XXXX XXXX XXXX to enter a dispute for nonpayment of check # XXXX for {$350.00} at XXXX XXXX. On XX/XX/XXXX, I spoke to a representative at XXXX XXXX customer service which advised check # XXXX for {$350.00} is, currently, an outstanding debt and that i need to make contact with XXXX XXXX XXXX to make a payment. On XX/XX/XXXX, I made contact with XXXX XXXX XXXX, spoke to Representative XXXX XXXX, and made a credit card payment of {$400.00} with a processing fee, included, confirmation # XXXX. In addition, knowing in my gut that I had already paid this debt, I notified my financial institution on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Representative, XXXX, advised check # XXXX for {$350.00} was paid on XX/XX/XXXX via draft check from XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX and spoke to Accounting Representative, XXXX XXXX, to advise him of this information and he advised me to email Accounting Supervisor, XXXX XXXX at XXXX with the proof of payment. On XX/XX/XXXX, I emailed XXXX XXXX the portion of my XXXX bank statement that represents the payment of {$350.00} on XX/XX/XXXX and a copy of the canceled draft check from XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, Mr. XXXX, advised via email that a refund is being sent to me by mail. 
Please take the time to investigate this matter. This is an attempt to erase a paid debt. I am looking forward to hearing from you. 
Thank you, In advance.

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 2020-12-10
Company: OHara Holdings, LLP
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:
On XX/XX/XXXX, I attempted to cash a check at XXXX store, but it was denied and I was given a print out advising to call XXXX for more information. On XX/XX/XXXX, I called XXXX and requested a Consumer File Disclosure Report. Upon receiving the report, I observed on XX/XX/XXXX, check # XXXX for {$350.00} written to XXXX Stores was never paid, reporting source is XXXX XXXX XXXX XXXX with contact information ( XXXX ) XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX and spoke to Representative, XXXX XXXX, which advised their company no longer holds that debt, and that I should notify XXXX Stores customer service ( XXXX ) XXXX. At that time, I notified XXXX XXXX XXXX at ( XXXX ) XXXX to enter a dispute for nonpayment of check # XXXX for {$350.00} at XXXX Stores. On XX/XX/XXXX, I spoke to a representative at XXXX XXXX customer service which advised check # XXXX for {$350.00} is, currently, an outstanding debt and that i need to make contact with Check Plus Systems to make a payment. On XX/XX/XXXX, I made contact with Check Plus Systems, spoke to Representative XXXX XXXX, and made a credit card payment of {$400.00} with a processing fee, included, confirmation # XXXX. In addition, knowing in my gut that I had already paid this debt, I notified my financial institution on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Representative, XXXX, advised check # XXXX for {$350.00} was paid on XX/XX/XXXX via draft check from XXXX XXXX XXXX  XXXX XXXX Texas. On XX/XX/XXXX, I called Check Plus Systems and spoke to Accounting Representative, XXXX XXXX, to advise him of this information and he advised me to email Accounting Supervisor, XXXX XXXX at XXXX with the proof of payment. On XX/XX/XXXX, I emailed XXXX XXXX the portion of my XXXX bank statement that represents the payment of {$350.00} on XX/XX/XXXX and a copy of the canceled draft check from XXXX XXXX XXXX  XXXX XXXX Texas. On XX/XX/XXXX, Mr. XXXX, advised via email that a refund is being sent to me by mail. 
Please take the time to investigate this matter. This is an attempt to erase a paid debt. I am looking forward to hearing from you. 
Thank you, In advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Certegy Holdings, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I attempted to cash a check at XXXX store, but it was denied and I was given a print out advising to call Certegy for more information. On XX/XX/XXXX, I called Certegy and requested a Consumer File Disclosure Report. Upon receiving the report, I observed on XX/XX/XXXX, check # XXXX for {$350.00} written to XXXX Stores was never paid, reporting source is XXXX XXXX XXXX XXXX with contact information ( XXXX ) XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX and spoke to Representative, XXXX XXXX, which advised their company no longer holds that debt, and that I should notify XXXX Stores customer service ( XXXX ) XXXX. At that time, I notified Certegy Payment Solutions at ( XXXX ) XXXX to enter a dispute for nonpayment of check # XXXX for {$350.00} at XXXX Stores. On XX/XX/XXXX, I spoke to a representative at XXXX Stores customer service which advised check # XXXX for {$350.00} is, currently, an outstanding debt and that i need to make contact with XXXX XXXX XXXX to make a payment. On XX/XX/XXXX, I made contact with XXXX XXXX XXXX, spoke to Representative XXXX XXXX, and made a credit card payment of {$400.00} with a processing fee, included, confirmation # XXXX. In addition, knowing in my gut that I had already paid this debt, I notified my financial institution on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Representative, XXXX, advised check # XXXX for {$350.00} was paid on XX/XX/XXXX via draft check from XXXX XXXX XXXX  XXXX XXXX Texas. On XX/XX/XXXX, I called XXXX XXXX XXXX and spoke to Accounting Representative, XXXX XXXX, to advise him of this information and he advised me to email Accounting Supervisor, XXXX XXXX at XXXX with the proof of payment. On XX/XX/XXXX, I emailed XXXX XXXX the portion of my XXXX bank statement that represents the payment of {$350.00} on XX/XX/XXXX and a copy of the canceled draft check from XXXX XXXX XXXX  XXXX XXXX Texas. On XX/XX/XXXX, Mr. XXXX, advised via email that a refund is being sent to me by mail. 
Please take the time to investigate this matter. This is an attempt to erase a paid debt. I am looking forward to hearing from you. 
Thank you, In advance.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting 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. I have attached the necessary documents to support my claim.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to dispute certain items on my credit report that are inaccurately reported. I want to bring to your attention that both XXXX and XXXX have already removed these accounts from their records, recognizing an error in the information. The following accounts are in question : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I find it perplexing that your bureau has verified these accounts while the other major credit bureaus have acknowledged the error and removed them. This inconsistency raises concerns about the accuracy and reliability of the information 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 2020-12-09
Company: Dovenmuehle Mortgage, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good Afternoon, My husband and I recently refinanced our mortgage that was being serviced by Dovenmuehle and were due an escrow refund of over {$800.00}. At the time we were refinancing, we received notification from Dovenmuehle that they were transferring our mortgage to a new servicer as of XX/XX/XXXX. The final payment to Dovenmuehle posted on XX/XX/XXXX and our account shows that it has been paid in full since that date. 

On XX/XX/XXXX, I called Dovenmuehle to confirm the payoff was received and to confirm when we would receive our escrow refund. They advised a check would be issued within 17 days of the mortgage payoff. On XX/XX/XXXX, I saw that the refund had not been issued and I sent a message through the secure message center in my account. After a few days, I had not received a reply. 

I called Dovenmuehle on XX/XX/XXXX and spoke with another representative who informed me they were not clear on where the money was or who would be refunding the escrow balance to us, Dovenmuehle or the company they transferred the mortgage to. The information on my mortgage account online showed the escrow funds were still with Dovenmuehle. They submitted a task to have my account reviewed and advised me to check back with them in a couple weeks. 

I attempted another email on XX/XX/XXXX which was also ignored so I called again on XX/XX/XXXX. I spoke with XXXX different associates because my initial call was disconnected. When I spoke with the second representative she assured me yet another task for my refund had been started by the first representative. I believe I was given another XXXX week time frame and I set a reminder to follow up again. 

As of XX/XX/XXXX, the escrow refund was still not generated and I called yet again and spoke with XXXX. This time I was on the phone for XXXX minutes and she let me know that per her supervisor, XXXX XXXX, the task that was submitted never actually requested a refund of the escrow account ( I'm unclear what the task could have possibly requested since that is the only thing left to close out my account with Dovenmuehle ) and after some back and forth she was able to give me the estimated refund date of XX/XX/XXXX. 

This account have been refunded and closed out in XX/XX/XXXX and instead I have been consistently given the run-around for months. An estimated date of XX/XX/XXXX is completely unacceptable per the Consumer Financial Protection Bureau ( XXXX Timely escrow payments and treatment of escrow account balances. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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