BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Before you attempt to read this message I want to let you know that this isnt a letter to collect debt. I am writing this letter as an affidavit and a dispute. The accounts listed in this letter is inaccurate and is an error. ERROR ACCOUNTS : XXXX, XXXX  XXXX & INQUIRIES WILL BE IN THE ATTACHMENTS. I have contacted your company 90 days and you seem to be ignoring me which let me know that you are aware of every certified letter I sent to you and you have nothing with my signature bearing my signature or any documents that is attached to me. By law you must remove the items immediately and I am only allowing 24 hours for this to be resolved. I am unaware of the accounts and inquiries listed. I mentioned this in 3 previous letters 90 days ago but your intentions were all wrong and youve violated my rights as human being and Im forced to take legal actions for using my consent with out contacting me. This is a special moment for me knowing that we will be in court soon because you owe me time and damages that youve caused stress and more to my life than you ever can imagine. I will be filing a lawsuit very soon and will be looking to be compensated an amount of {$30000.00} for all the damages.

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 2018-01-31
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: Information belongs to someone else

Complaint:
Before you attempt to read this message I want to let you know that this isnt a letter to collect debt. I am writing this letter as an affidavit and a dispute. The accounts listed in this letter is inaccurate and is an error. ERROR ACCOUNTS : XXXX, XXXX XXXX & INQUIRIES WILL BE IN THE ATTACHMENTS. I have contacted your company 90 days and you seem to be ignoring me which let me know that you are aware of every certified letter I sent to you and you have nothing with my signature bearing my signature or any documents that is attached to me. By law you must remove the items immediately and I am only allowing 24 hours for this to be resolved. I am unaware of the accounts and inquiries listed. I mentioned this in 3 previous letters 90 days ago but your intentions were all wrong and youve violated my rights as human being and Im forced to take legal actions for using my consent with out contacting me. This is a special moment for me knowing that we will be in court soon because you owe me time and damages that youve caused stress and more to my life than you ever can imagine. I  will be filing a lawsuit very soon and will be looking to be compensated an amount of {$30000.00} for all the damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
Company: Experian Information Solutions Inc.
State: MD
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:
Called the debt collection company that appears on my credit report at the number provided. After providing the account number shown on the credit report, personnel at the company could not discuss the account with me because the account is NOT IN MY NAME. I asked why it is on my report? Personnel and a manager could not tell me anything about the account because my name is not on it. 

I then called the original creditor as shown on my report -- they could not find a delinquent account in my name. I was able to determine the name on the account is that of my sister, with a similar name. 

The debt collector acquired that delinquent account and associated to me in error and won't remove it. I have filed dispute with credit agencies and the debt company keeps reporting the information as correct.

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 2019-01-12
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I am here because I have paid off at least 20 accounts from XXXX to XXXX. A lot of these are still on my Equifax report. Even after, I sent over all documents showing that all accounts was paid in full. Some are still showing unpaid on my report they ask to send documents showing that they are paid, sent them the information they asked for and Equifax still have not removed them off my report. Talk to one rep for them gave her my information and she tells me that she don't have enough information to look at my account. 

It's bad when you have all the documents that is needed and Equifax still want removed the account. And I know they can remove the account cause I see some are not on my credit report now. So to say that they can't remove that account is a bold face lie. And it been away over 30 days and like a said the accounts are still on my report. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: JPMORGAN CHASE & CO.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I attempted to buy basketball tickets by transferring money through XXXX. The tickets were never provided, and I attempted to contact both Chase Bank and XXXX   to resolve the fraud. Chase noted that there are no consumer protections offered whenever using their service through XXXX on transactions like this. Considering this is a bank to bank transfer, there should be a pathway to freeze transactions, or at least obtain personal information linked to the receiving bank account so that this matter could be reported to the police or to allow for civil action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
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: Their investigation did not fix an error on your report

Complaint:
I have asked them to show proof of being 30 days late. I have not been late and have made all payments. I have asked them multiple times and they refuse to show proof and refuse to removd

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 2021-04-22
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
was on a forbearance plan XXXX XXXX, XXXX and XX/XX/XXXX. I called on XX/XX/XXXX to make a payment and was told I qualified for a loan motification. I was offered a medication of 3 % with a payment of {$1600.00} with the first payment due XX/XX/XXXX. 
I received a letter dated XX/XX/XXXX confirming my application was complete and if they needed additional information at a later date they would send a letter or notify me to provide additional information. Otherwise, paperwork would be sent outlines the terms of the modification. 

I never received a letter nor was notified that additional information was needed, I called XXXX to inquire why I had not received the paperwork outlining type terms and was told paperwork would be on the way. .she told me it could take awhile but the forbearance had been closed. I again called on XX/XX/XXXX still not having received the paperwork and was told she did not know why it had not be sent but she would keep on eye on it. I never heard back from her. 
Because I was told my payment would be due on XX/XX/XXXX and I had not heard anything back I called again. I spoke with XXXX who told me she did not see anything in my file but could offer me a new modification agreement at 3.375 %. I did not feel that was fair as I had been quoted a 3 % with a payment of {$1600.00}. 

Since XXXX I have spoken to 20 representatives from US Bank and continue to be told someone is looking into it. I was assigned a relationship manager but have never been able to speak with her personally despite many, many calls. I feel I was misled and US Bank misrepresented information they gave me. I have since received a new modification agreement at 3.375 % which I feel I must accept or I will lose the opportunity to have a loan modification. I have dates and names of all the representatives I have spoke to but no dedicated representative that is following my case even thoughI was told was was assigned. 
I feel USBank is taking advantage of its customers and provided the worst customer service I have ever experienced with a mortgage company.

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 2021-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted TransUnion Credit Agency on XX/XX/2021 to dispute a medical bill that I have disputed with TransUnion on four other occasions. Each Time TransUnion has ruled in favor of the Creditor, this time I requested TransUnion to provide me with a copy of whatever documents the Creditor verified the debt is mine. I have explained to TransUnion the debt is not mine and they refuse to take it off or give me copies of the verified documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: JPMORGAN CHASE & CO.
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 have contacted Chase numerous times about inquiries on my credit reports. I have NOT applied for a Chase credit card in about 4 years. Chase, back in XX/XX/XXXX, sent me a letter stating that they were having the 3 credit bureaus removed their inquiries from my report. All 3 are still on there and there are more from Chase. These inquiries appear every couple of months and I have had 3 in the last 3 months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to impacts from COVID19 I took advantage of a forbearance opportunity with my primary home mortgage company : Amerihome. I have been trying to get off of forebearance for a month now, so the mortgage can be refinanced through a different provider. Amerihome has delayed providing me the necessary support to accomplish this ask resulting in multiple follow-up phone calls to them daily and sometimes twice daily. There is no opportunity to address my concerns with a supervisor unless I wait 48 hours. Representatives promise actions and fail to take them. Most recently Ms XXXX ID # XXXX explicitly statued that she would submit a request for a deferral on my unpaid ( forbearance ) balance - I was promised a phone call with confirmation - which was not received. called back today and spoke to another women who confirmed the Deferment as never submitted by Ms. XXXX - thus loosing another 2 days in my attempt to move forward with re-fi. I am at risk now of losing my locked rate because it has been over 10 days and to date I have not been able to obtain a letter from Amerihome that indicates my forbearance is over. If rates go up, this could mean thousands of dollars to me and my family. Please call me to discuss XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Around XX/XX/XXXX I opened a credit card account with XXXX XXXX to purchase leads for my company. The parent company abruptly closed in XX/XX/XXXX. I owed an amount of {$2100.00} on the balance. The debt was eventually placed with Asset Acceptance and then turned over to Midland Credit Management. I have apparently been sued for this debt because I just received a copy of a judgment order from XX/XX/XXXX saying I need to inform them of what possessions I own. I have never been served with an order to appear in court, and this debt is 13 years old AND it doesn't even appear on any of my credit reports. I think this is way for them to get me to pay an old debt they obviously bought. I also think this debt is time barred. I don't know what to do, I'm XXXX due to XXXX XXXX XXXX and have no money to pay. The debt is now {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2018 I was denied a loan because the condo association which I was purchasing the condo from did not have enough funds in there reserve and was not approved. 
All closing cost should have been paid " At Closing '' However, On XX/XX/2018 Citi Bank had prematurely charged me for closing cost totaling {$790.00} Appraisal - {$590.00} Credit report {$21.00} Application Fee {$170.00} Flood Certification {$5.00} Citi Bank should have waited until they had all the proper documentation ( Questionnaire ) in place before they requested payments that are usually made at the time of closing. Please see attached documents.

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 2019-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My Transunion credit file shows one account twice, ( XXXX XXXX XXXX XXXX ) both are not mine. It is also reporting a delinquent account from ( XXXX XXXX ) a collection agency or debt buyer, collecting for XXXX that is not mines. I have been a satisfied XXXX customer for 8 years, I am demanding an investigation and removal of all three adverse account being incorrectly reported in my credit file

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 2020-11-10
Company: BARCLAYS BANK DELAWARE
State: SC
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:
My card details were stolen and used fraudulently on XXXX XXXX & XXXX XXXX. I called, we jointly identified 3 fraudulent transactions and a case was opened. 
On XX/XX/XXXX I called the credit card co bc several legitimate transactions had been charged back for a period of several months. They assured me these would be corrected. 
On XX/XX/XXXX I called again to let them know 2 chargebacks had not been corrected. I paid these bills with the companies concerned for a second time - one was XXXX and I did not want to be without coverage and the other was a medical bill I did not want sent to collections. 
On XX/XX/XXXX I was told by the credit card company that the chargebacks were being corrected and there was possibly a delay with funds being sent from Mastercard which could take up to 2 billing cycles to arrive. I was refunded {$25.00} to my account to cover a chargeback fee applied by the medical billing company. 
In XXXX, XXXX received the reimbursement and sent me a check for the duplicate payment. This left only the medical bill to be resolved. On XX/XX/XXXX I received a letter from Barclays stating that my case was now with a dispute specialist, and that a temporary credit would be placed on my account while it was in dispute. I have never received the temporary credit. 
On XX/XX/XXXX Barclays wrote again stating that they had contacted the medical company and were awaiting a response. They again said a provisional credit was placed on my account. I still have not seen the credit. 
On XX/XX/XXXX I wrote again to Barclays, confirming that I had not received the credit and also reiterating that the original bill was not in dispute. They billed, I paid, Barclays incorrectly charged back, they did not reimburse, I was rebilled, I paid, I have not been reimbursed. As of XX/XX/XXXX, the medical company has not received a correction to the chargeback. I have provided Barclays with the medical bills, and a statement covering the period in question. This incident is now over one year old. Phone calls get me absolutely nowhere.

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 2021-04-22
Company: STATE BANK OF INDIA - NEW YORK BRANCH
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Hello Sir/Madam, I am complaining about the www.SBICAL.COM Bank. It is actually State Bank of INDIA ( California ) with head office at XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA XXXX Tel : XXXX. 

I have checking account ending with # XXXX. I have maintained my account from past 5 years. I have checking account and minimum balance is {$250.00} without any fee. I maintained {$250.00} as per requirement So, in XX/XX/XXXX they made my account dormant and applied dormant fee {$2.00} to my account because of no activity on my account from past 2 years. They said that they have sent me a letter in regards of dormant of account which I did not receive it. So, from there on since my minimum balance has fallen down, they have been deducting {$10.00} + {$2.00} every month & up till XX/XX/XXXX, they have deducted {$120.00} so far. 

Since there was no activity on my account, I never bothered to look at my bank statements where it has been constantly deducting {$12.00} every month. At least they should have called me or sent email about my account which they never bothered to do it. 

My question is when they made my account dormant, why r they charging me {$10.00} for minimum balance payment being not maintained? This is very unfair given Covid pandemic, I could not go to bank for more than a year given the health condition and risk factor. 

Bank was un-cooperative when I complained about this unfairness. There have been lot of other banks which gave concession in these Covid situations, but this bank is not helpful to me. They have been simply penalizing me every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Hi. I made a large purchase of personal computing hardware and software from a couple different retailers. Approaching $ XXXX in total from the end of XXXX into XX/XX/XXXX. The three credit reporting agencies all dropped my excellent credit score by a significant amount based on these purchases. This complaint is specific to TransUnion. 

I have excellent payment history with all of my credit cards and credit lines going back 15+ years. I have automatic payments set up from my bank account paying in full whatever statement balance there is every month. I never carry a balance on my credit cards. My payment behavior with my other creditors is similar going back at least 15 years - always on time, always in full except for one piece of property and one car which were financed for a few years, though, both of them are now paid off ( and those payments were always made on time ). 

I called TransUnion about this and was basically blown off. The representative wouldn't discuss the issue with me except to recite that the credit score is based on their system. I couldn't get them to acknowledge what my problem even was.

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 2021-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
disputing fraud accounts that are showing up on credit report as of recent. The companies seem to be ignoring my calls regarding these disputes and I really need these fraud accounts removed as I've been a victim of Identity theft due to lax in all the account securities in the companies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Person called from XXXX XXXX XXXX, would not give me their company name, said i owed incorrect amount of debt from2011. I asked for them to mail me info so i can check on this debt. They said they do not do that. I was suspicious because they gave me no information about themselves only saying it was citibank card, that i never had and the amount was outrageous. I asked them not to call me but send all information through the mail, XXXX stated he would not do that.

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