BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Fraudulent loans was opened using my identifying information and I contacted the companies and credit reporting agencies with disputes also I and sent FTC and police reports to companies and credit reporting agencies as requested and I'm still having the same issues.

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 2018-04-11
Company: CURO Intermediate Holdings
State: TX
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 disputed with XXXX XXXX XXXX inquiries that were not authorized by me. I also contacted XXXX XXXX made two inquirys on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Phony email : Great Scores Your New XX/XX/2021 Scores Are In Right Here Your XX/XX/2021 Scores has been updated To see your complete XX/XX/2021 from XXXX, XXXX  and Equifax Reports in one easy to read report go Right Here Great Scores Press Here To See Your Updated Scores For Free You received this email because you subscribed to our list. You can unsubscribe at any time. 

XXXX XXXX XXXX # XXXX XXXX FL XXXX United States of America

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
As previously notified, I am a victim of identity theft, please see attached requested documents for the 2nd time

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 2018-06-30
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX incorrectly charged my Huntington checking account when making a purchase ( I was never prompted in XXXX to select the account to charge, and they didn't use my default payment method ). I called XXXX to resolve the issue, but they informed me that they could not refund the amount charged and that I needed to dispute the ACH transaction with my bank. 

I called Huntington to dispute the ACH transaction. I was out of the country for a week and Huntington has cancelled the dispute since I was unable to respond fast enough. I have provided the requested paperwork and called, but the overdraft fees and the ACH dispute still haven't been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
sent in a few disputes on the XXXX of XXXX and have yet to receive any resolution from XXXX  and trans union

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 2018-06-30
Company: EQUIFAX, INC.
State: IL
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:
As of my most recent dispute on XX/XX/2018, Equifax Credit Bureau is falsely verifying information that I have disputed with them on several occasions. I disputed the accuracy of the Chapter XXXX Bankruptcy they are reporting on my credit file. The results they keep sending are false, they are stating that the information has been verified by a third party XXXX XXXX, which is not true. They will not provide me with the date, person they spoke to, or contact person phone number as I have requested more than once. I have contacted XXXX myself and spoke to XXXX who informed me that my personal information file is frozen and will not be disclosed to anyone, such as my name, address, phone, or any public records. I have a case number and consumer number to validate XXXX XXXX is not supplying Equifax with any of the information they are reporting, and I demand them to remove any information they are claiming this company had furnished them with, or provide me with the information of the person they spoke to so that I can file complaint against them as well. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: EMCC Holdings, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought a time share with a deed at XXXX XXXX XXXX in XXXX VA, the mortgage is held by a company called Equiant. I make my monthly payments plus an additional principal payment each month. In the past they did n't apply the additional principal payments properly so I always check my statements carefully. I found that in XXXX of 2017, they did n't apply any principal from my regular payment ( it would have been a smaller amount due to the number of days between payments, but that is n't the point here ). When I called and asked about it they told me that there must have been a glitch in the computer system and that there was nothing they could do about it. I asked them to go back and make an adjustment and they again said there was no way to do that. I spoke with XXXX and she spoke with her supervisor XXXX who confirmed they could n't do anything about that particular payment and I should just keep an eye on my future payments. Please look into this and help me and others make sure our payments are applied properly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
XXXX XXXX pilot who travels a lot and has been loyal Bank of America Customer since early XX/XX/2000, back then they had best online bill pay. Signed up or responded to B of A Credit Card offer that had points like XXXX & since I travel a lot I realized I was not getting a bill / paper statement of which I always want not an online bill which disappears when computer has a bad day or lighting or you pick the reason. I called them & they say I choose paperless which I never do since my dad 's business got audited twice when I was a kid and he always said thank XXXX for the paper trail!! I have always had over 800 score until now I have a Adverse Acct. / B of A Credit Card / late of which they blame me when I always have a min. of XXXX to XXXX XXXX  in their Bank which will change soon & Direct Deposit from XXXX XXXX which will change soon. Why would I have Thousands in their bank & have a title of Premier Customer & get a XXXX K limit of which I did not need. Why would I not pay a couple XXXX dollar bill, DOH?? 
I will be switching to my more local banks whose online bill pay has improved & who I can look in the eye if I am unhappy or they can call me if something is late. 
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 monetary relief
Consumer complaint received 2020-06-03
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wife and I have a joint account with CITI Bank. We received two checks. One from the IRS which was our tax refund and the other from The Small Business Assoc. We received a letter from CITI Bank stating that they are going to cancel our account in 30 days due to fraud. Im not sure if those checks are related to the closure or not, but we can not access the account, we can not pay other bills from the account, and we can not withdraw from the account. We have Excellent Credit, we have been in good standing with all of our accounts. 

We contacted CITI Bank and spoke with several representatives in the Fraud Department and Customer Service. We were simply informed the account is closed and they will not help any further and the call will be disconnected. They then disconnected the call. 

I would like to know ( Exactly ) why my account has been frozen. Why is it standard for every representative in the company to ignore my pleads for help when fraud  is detected? Why has the company failed at the most general level of Customer Service to provide me help instead of ridicule and mistreatment as if I am a criminal? Why would it take 30 to 60 days to give me back my money? Why was I not notified if there was an issue of fraud on my account, instead of notifying me, they simply closed the account. They have effected all of my businesses personal and professional. Below I have filed a complaint with the XXXX XXXX XXXX. If this Company suspects Fraud, then they should contact the FBI, or DOJ and have Federal Charges brought up against me. But they cant because we have done ABSOLUTELY NOTHING WRONG. I will supply whatever documentation needed to support this claim. Secondly, if they do not want to do business with me, then refund ALL OF MY MONEY. Waiting for my money for 60 days while it sits in their account and accrues interest is theft on behalf of CITI. I am FURIOUS! We are in the middle of a Pandemic and RaceRiots and we have XXXX dollars in our account because someone decided XXXX is to much to have in an account. 

This is in reference to your complaint against Citi. Your complaint was assigned ID # 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 2020-11-15
Company: Capital Accounts, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 Capital Accounts add a derogatory mark ( Collection/Late payment ) on my credit report per XXXX  Credit report. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. In fact, I have never even lived at the address that was sent in collection. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to FCRA, Capital Accounts has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

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 2021-04-04
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Federal Reserve Consumer Help Center Acknowledgement Inbox XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX  to me To : XXXX From : Federal Reserve Consumer Help Subject : Federal Reserve XXXX Help Center Acknowledgement XX/XX/2021 Dear XXXX XXXX XXXX XXXX This e-mail is to acknowledge our receipt of your correspondence on XX/XX/2021. 

Please be advised that the entity you are inquiring about is subject to supervisory oversight by the Consumer Financial Protection Bureau ( CFPB ) for certain consumer protection laws and regulations. Accordingly, we are forwarding your correspondence to that agency, at the address below, for appropriate attention. 

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Website : www.consumerfinance.gov Phone : XXXX Fax : XXXX TTY : XXXX We hope that this information is helpful to you. 

Sincerely, Federal Reserve Consumer Help Center ________________________ I sent my complaint regarding Citicard to the Federal Reserve and received the above email. It was regarding Citibank charging me {$82.00} in interest on an amount less than {$900.00} after I paid {$6500.00} on the card one-half way into my billing period. I don't believe the Average Daily Balance would have been nearly as much as that and they are refusing to adjust it. They want to put me on a " treatment '' or " program '' and turn off my charging privileges until I pay what I consider to be an inflated amount. They have informed me today that they have reduced my credit limit from {$7000.00} to {$970.00}. They are totally unwilling to work this issue out with me in a fair and reasonable manner. Needless to say, I won't be using their card in the future unless and until this is resolved. I don't remember ever being late with a payment but, if I was, I know I contacted them and explained any issue I may have had ( simply forgotten ) and fixed the problem immediately. I feel it is very unfair to me and my credit rating for them to take the steps they have. Thank you.

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 2020-05-21
Company: Experian Information Solutions Inc.
State: LA
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:
someone used my info to get medical treatment at the er and i apply for something else idk what it is.

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 2019-02-18
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX / XXXX is reporting my student loan account information inaccurately. XXXX. of XXXX / XXXX is reporting that I pay a monthly payment of {$1900.00}. The problem is, I have never paid a payment of {$1900.00} because I have either been in forbearance or deferment status. My credit report should reflect accurately what I have paid or that the status in which I am currently in. This inaccurate reporting affects my dept to income ratio which adversely effects my utilization rate which has a negative effect on my credit score which results in me getting financed at a higher interest rate. I have spoken with XXXX several times only to have them tell me to file a dispute with the credit bureau. I have filed a dispute with the credit report only to have XXXX send up the same information. According to the Fair Credit Reporting Act, my credit report should accurately reflect my monthly payments therefore, XXXX XXXX XXXX / XXXX should be reporting {$0.00} or Forbearance or Deferred.

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: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
-Contacted Ability Recovery on XX/XX/XXXX -Disputed with XXXX   XX/XX/XXXX -Document from insurance company showed I owed {$0.00} to provider, submitted with dispute and to collection agency. 
-Service date XX/XX/XXXX -Amount 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 2017-08-03
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I filed a bankruptcy back in 2012, but according to the New law that took effect in XXXX they should be taken of because of missing pertinent information. My public records need to get removed because of this new law.

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 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've recently became aware of this negative account on my report. I would like for them all to come because they are fraudulent.

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 2018-06-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
For the past year now I have been trying to complete a short sale With Chase Bank NA The reason I applied for a short sale was due to the fact for the last three years I have been trying to save my home by applying for a loan modification and was denied about 4 times. I can not understand why because the Monthly housing income is at least {$6800.00} per month. Anyway Chase offered me the opportunity to do a short sale. They said it would be better for me because they would with draw the foreclosure action and file a satisfaction of mortgage in the county clerk 's office. Also it would be better for my credit as to have a settled account instead of a foreclosure. 
So I hired a broker to help sell my home. this was in late XX/XX/XXXX. In XX/XX/XXXX I received an offer. I went into contract. With the help of my broker I submitted full package and waited two months with Chase to get an answer. In late XX/XX/XXXX my initial buyer walked away Claiming its taking to long for Chase to make a decision. In XX/XX/XXXX I went into contract with a second buyer. On XX/XX/XXXX My broker got an email from XXXX XXXX in the short sale department at Chase. That email stated that the investor completed and approved the net proceeds to be no less than {$87000.00} on the property and to move forward with the closing paperwork making the proper adjustments on the HUD. 
Then the long process of stonewalling by Chase started. They made my broker change the HUD at Least 5 times. They asked my broker to put the incorrect address of my property on the HUD and changed the contract address at least 3 times on both the HUD and the contract. They reorder another appraisal on the property. They changed the investor during the process. Chase dragged this approval out for moths while the 2nd buyer was ready willing and able to close. In XX/XX/XXXX Chase sent and email to my Broker stating that the short sale was Declined. Now I am losing my home on XX/XX/XXXX. And the relocation money and all the benefits of doing the Short Sale Chase Promised me are gone. I believe Chase has acted in bad faith and has used my home as a cash register for their benefit. I believe from day one Chase had no intention of helping me and they used this long process for their benefit. I believe they have committed fraud to the Investor of the Mortgage and or the tax payer in doing so..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: FAIR COLLECTIONS & OUTSOURCING, 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: Their investigation did not fix an error on your report

Complaint:
I have just received a response from your company as a result of an investigation for the second time. As I stated before this account was deleted from XXXX as unverified but still remains on XXXX and XXXX from your company. As a result from the last dispute you sent me a document with a name and a balance which is unacceptable! As I mentioned this account is unknown to me please send me a signed document with my signature on it as validation. If documents can not be provided I will take legal action for all unverified accounts! Like I stated before I've been contacting your company numerous of times about this account and still all of the above was unverified or validated. If there's no document showing that I signed or verbally agreed to this account please remove it. All previous disputes and responses has been saved for my records and will be proven in court as a violation of the Fair Credit Reporting Act 609. 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 2018-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2018, my XXXX  Fraud alert contacted me about BANK OF AMERICA obtained a copy of your XXXX Credit Report without my knowledge or authorization.

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