BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-20
Company: CITIBANK, N.A.
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
Fraud Charge was made to my Citibank msatercard for 2nd time  in 2 years card number XXXX. 

Citibank staff is leaking my password to unknown people who are using my card fraudulently and using for unauthorized online transactions. 

XXXX usd declined online purchase on my card for merchant XXXX   XXXX 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 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding  inaccurate accounts on my credit reports, including XXXX XXXX, XXXX/XXXX and  XXXX/XXXX XXXX, accounts that I have never opened ; And inaccurate late payments listed for several accounts, including XXXX XXXX XXXX in XX/XX/XXXX ; XXXX XXXX XXXX in XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX ; XXXX XXXX XXXX in XX/XX/XXXX, XX/XX/and XX/XX/, and XXXX & XX/XX/XXXX ; by sending Method of Verification letters certified mail, return receipt requested to XXXX, TransUnion ; And to XXXX  via the online dispute portal. USPS verified that all my requests were received on XX/XX/XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I was supposed to receive responses to my requests by XX/XX/XXXX. To date, I have received none. Therefore, I expect all these items will be removed from my credit files immediately. Thank you for your prompt attention to this matter. 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 2017-11-10
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a flood in my house on XXXX XXXX, XXXX The insurance company sent me the check for the repairs in the amount of XXXX after my deductible on XXXX/XXXX/XXXX ( they were behind sending the check because the large demand with the fires in XXXX XXXX The insurance company sent the check to my name and the mortgage company, I called the mortgage company to arrange the endorsement of the check, they said I had to mail it, I said I wanted to take it personally even if I had to fly to XXXX to take it because I had no floors, no kitchen, no bathroom at my house and I needed to get my house back together right away. They said the only way to do it is to overnight the check and then they will send me a check, I overnight the check, I uploaded all the information they requested, then they said that my account showed to be delinquent and they could n't release my insurance check to me. I told them the account was not delinquent, they confirmed with the mortgage department that my account was current. but they still insist in keeping my money illegally, They do n't even pay me interest on my money. I am not able to put my house back together and we are not able to live at the house without the kitchen, bathroom, flooring and walls missing. this is causing an extreme hardship, we have no place to live!

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 2019-04-17
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 information incorrect

Complaint:
In XXXX of 2019 I applied and was approved by XXXX XXXX XXXX XXXX for a Car Loan at the best available interest rate. 

On XX/XX/XXXX, I recieve my Equifax credit score from XXXX stating my Equifax Credit Score is XXXX. 

I ran all 3 credit reports before and prior to my loan and it appears as the following : Equifax = XXXX XXXX =XXXX XXXX XXXX Although it did not affect this loan, I am not pleased at the inaccurate information. Over 40 pts. 

Why do I even bother working on my credit score when these agencies go with an arbitrary number. 

This is not right and misleading. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I changed the online bill pay system 's account to pay from on a Chase Car Loan. The old account that it was going to pull from was an account that was being closed because of a recent divorce. The account did not have enough money to cover the cost of the car payment. For some reason, the payment went through the old account and not the new one. Because of this the old account went negative ; now, when my exwife and I are trying to close the account, we owe money to the bank. I called Chase and was asked if I'd like to reverse the loan payment and make a new one. When I said yes, I was transferred to " XXXX ''. XXXX told me that there is nothing he can do. I asked if he was able to verify that the old account is no longer associated with the car loan in any way. He verified that to be the case. He acknowledged the account that the funds should have come from. But, in the end, he told me that there is nothing they could do. He admitted that the money did not come from the correct account. When I asked to speak to a supervisor, he informed me that he is the supervisor. I asked to speak to his supervisor and he told me that I can't. I'm not sure how this is acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got 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 non-monetary relief
Consumer complaint received 2019-06-20
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Hyundai capital is reporting a past due charged off account under my social ending in XXXX. This is not my account and is listed to a XXXX XXXX. 

My dob is XX/XX/1981

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Full honesty, I screwed up awhile ago, fell behind on payments, but over the last year was on time with every payment, and the cards are paid off in full now, and have been since XXXX and XXXX ( two separate cards ) Contacted Capital One through chat, and have a transcript of the conversation, and XXXX agent said the card could be unrestricted and it should be taken care of in a few days, checked back a couple days later, nope, and this time I 'm told they ca n't or wont, I wrote the president of the company, and explained the situation. 
Gave up dealing with them, the account is in good standing now, and has been for over a year. 

I understand I screwed up back then but I fixed it, so why am I not allowed to use the account?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: EQUIFAX, INC.
State: GA
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:
The information provided below is the same information dated on the same dates that I've sent to all the other credit reporting agencies. XXXX and XXXX have both investigated the accounts in questioned and have since complied by deleting these inaccuracies off my credit report. 
-- -- -- -- -- -++++++++++++++++ -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Credit Information Services,  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2019 Re : Social Security Number XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by the creditors in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see the following entries : XXXX XXXX XXXX   XXXX XXXX, judgement from XXXX Superior Court for {$6000.00}. 
Auto Loan with XXXX XXXX. It shows a balance of {$14000.00}. 
XXXX XXXX collection for {$1000.00}. 
SSA/Office. Collection in the amount of {$35000.00}. 
XXXX XXXX collection in the amount of {$370.00}. 
XXXX XXXX in the amount of {$610.00}. 
XXXX XXXX XXXX for {$3100.00}. 

I challenge the accuracy, compliance and reportability of this listing. 

Please validate this information with these creditors and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Thank you for your assistance regarding this matter. 

Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
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 belongs to someone else

Complaint:
I am writing in reference to a previous case I opened at the XXXX that is now closed reference number is XXXX in this you can confirm and verify the creditor has stated they will remove the account from all national credit reporting agencies. This has not taken place on my Equifax credit report. I demand this be corrected as this account does not belong on my credit report as it was fraud and has been promised to be removed by the original creditor who is XXXX XXXX and is reporting incorrectly negative on my equifax credit report as it should not show at all because i was told it will be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Early Warning Services, LLC
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used Zelle to send {$300.00} to someone and the recipient never received it. Prior to speaking to the custimer service rep with Zelle it was pending after hanging up it showed complete. He remoted into my phone and said it was software related and installed XXXX app. Then he tried to transfer money from XXXX to 3 people that he said was his manager. At this point he I stopped him and asked what he was doing and he said give me a minute while I send a {$1.00} transfer to my manager. He asked me to login to my credit union account then he moved {$200.00} from saving to checking to send to XXXX XXXX. I told him no more just refund the pending wire transfer. He said he would need to send his manager the {$300.00} from Zelle then she would refund it. I hung up at this point. The money is no longer pending and they said it went to XXXX XXXX Bank but it did not. The money was transferred XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, 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:
I recently wrote a letter to the credit bureaus to do an investigation of my credit report to check the accuracy of the accounts and personal information. They stated all my accounts and personal information was accurate and update. So I did an even thorough investigation myself and found improper inaccuracies on my credit report even after they said they did there investigation. I Researched my own rights and found this .... in accordance with the Fair Credit Reporting act 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. Below I am listing all the accounts that I found was to be wrong. Account Name : XXXX  Account Number:XXXX This Account is only being displayed on XXXX and no other bureau. I have tried to dispute this account with XXXX but with no luck. Account Name : XXXX Account Number : XXXX This account is only being reported on equifax and no other bureau. I have tried to dispute this account and with no luck. I am not sure what company this. Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account NumberXXXX  This account has different dates from last reporting to date last active. Account Name : XXXX XXXX Account Number : XXXX This account does not appear on XXXX but the other two are reporting different information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: REGIONS FINANCIAL CORPORATION
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:
XX/XX/2019 my checking account was charged fraudulently for two transactions one for XXXX in the amount of {$200.00} and XXXX for {$91.00}. None of these two transactions were authorized by me. I filed a dispute and the {$91.00} was already approved and returned to me however the one for {$200.00} has not, my bank which is Regions denied my dispute because according to them I authorized it. I have filed a police report already aswell. But I think it is really unfair that they did not approve my claim. I am going to provide the police report for the claim that has not yet been approved. Hopefully that helps. They also try to add my debit card information to a XXXX XXXX   account. I don't even have an XXXX phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-15
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Hi, I sent a certified letter to XXXX  Credit Reporting Agency on XX/XX/XXXX explaining to them how I was declined credit once I recently learned that an old credit account was placed back on my credit file. I disputed the fraudulent account with Navy FCU for {$9400.00} back in XXXX which was deleted by XXXX  on XX/XX/XXXX after further investigation. I was not notified by XXXX  in writing nor by any other means available to the agency within the five day period after the reinsertion. I have attached a copy of the letter sent to XXXX  dated XX/XX/XXXX as well as the deletion that took place with XXXX  back in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
We co-signed for our daughter 's student loan with XXXX XXXX XXXX ( loan is now owned by Citizens Bank ) in XXXX in the amount of {$19000.00}. She left school in XXXX and payments began in XX/XX/XXXX. 

Since then we have made nearly 120 payments ( almost {$19000.00} ) and the principal balance is still {$18000.00}. 

This seems like a criminal attempt to gouge a student ( and their parents ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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:
The account listed below was opened fraudulently without my consent and is against consumer law to report fraudulent accounts. 


Experian Fraudulent Account XXXX XXXX XXXX Account # 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 2022-03-03
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from this debt collector and was told I owed a person money. I requested they send proof. I received something Word document. I dont ever recall owing this individual anything. They can not produce proof but a piece of paper with my name and someone elses signature. They cant even verify my social security number. 

I now have a collection on my credit report from this company. I need help to clear this as it has a negative impact on my 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 2022-03-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Requested mortgage forbearance for my mortgage because my family was affected by XXXX XXXXXXXX, I am unemployed my wife is our sole provider currently, my son need XXXXXXXX XXXX for the XXXX XXXX XXXX XXXX because of XXXX from having XXXX. I was approved for a forbearance. I requested additional time to recover from loss of income but was denied assistance. Requested mortgage assistance, submitted financials and requested documents. Citizens Mortgage, Citizen mortgage has not worked with me to assist me with keeping my home instead I have received a foreclosure notice for my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified by your company regarding an alleged unknown debt in the amount of {$210.00} from XXXX. I have reason to believe I do not owe this debt because I have never had an account with that store or because I believe you have me confused with a different person. I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts and also provide the original that bears authentic hand signature of agreement of the debt. Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.

Company response to consumer: Closed with explanation