BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
Company: Experian Information Solutions 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:
I contacted the credit reporting agencies to request a proper investigation on my credit report, in regard to some inaccurate account that required special attention. Over 30 days have passed by, and I have yet to receive anything in the mail. 
It is my understanding that, at this particular moment, and due to COVID19 XXXX, Experian, and XXXX  are under relax enforcements standards according the Consumer Financial Protection Bureau. However, the bureaus are still required to investigate, and process my direct dispute request according to section 611 of the FCRA. In addition, it is understand that I reserve the right to sue you in Federal Court according to section 616 of the FCRA Willful non-compliance, if the bureaus don't comply with my investigation request. 
Account Name : XXXX Account # : XXXX Account Name : 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 2023-09-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2023 discriminatorily denied extension of credit applicant has in good faith acted on one of their rights under the federal credit laws

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thu. XX/XX/XXXX, my XXXX XXXX tied to my Citibank checking account was declined twice at a point of sale. I called the bank to ask why and they said the account was locked due to a KYC issue involving my sister who I live with and who is a passive co-signer on the account in case I get sick. They said they had not heard from her in a while and tried to contact her. They offered to have me answer the KYC questions so I did. These were simple KYC questions to confirm cohabitation and the name of her employer and salary range. I answered these and they announced that they were going to recommend the account be opened and it would be opened in 24-48 hours. I later learned from my sister that she did speak to them earlier that week, XXXX. XXXX, and had answered these questions. 

It's been 8 days so far with this locked account. I have had to migrate all of my transactions to my wife and my other account at XXXX and open an online checking account, as well as change all of my employment disbursements. This is a huge. hassle. I called them every day from Thu. XXXX-Thu. XX/XX/XXXX except for two days, with hold times of 30 minutes, on two KYC department numbers. They still won't unlock the account, citing different reasons such as not being able to due to not being the analyst working the case, longer than expected wait times, and technical difficulties affecting account unlocking. The other thing is, they have told me that I am right to expect the account open, nothing is wrong, and that they have " escalated '' the urgency of unlocking the account three times.

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 2022-11-28
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:
Personal identity theft regarding opening credit cards using my social security number and personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
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: Information belongs to someone else

Complaint:
I LOST MY IDENTIFICATION AND MY SOCIAL AND SOMEONE WENT ABSOLUTELY CRAZY. THEY WENT AND APPLIED FOR A LOTE OF THINGS.. I DONT KNOW HOW THEY WERE ABLE TO DO THIS WITHOUT ME BEING THERE. PLEASE REMOVE THESE INQUIRIES, I HAVE BEEN TRYING TO KEEP MY CREDIT TOGTEHR AND THIS HURTS A LOT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: CITIBANK, N.A.
State: CA
Product: Credit 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 statement of the situation with this credit card company is attached. If you need anything else please call.

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 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In Accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acts 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
Consumer complaint received 2020-12-23
Company: EQUIFAX, INC.
State: NJ
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check from my new employer of {$25000.00} on XX/XX/XXXX. Prior to that I deposited another {$5000.00} check on XX/XX/XXXX from the same maker. Chase bank then restricted my account on XX/XX/XXXX ( day the funds where supposed to be available ) because I could not provide them with a " verified phone number '' from the maker of the check. The funds where already cleared on both sides and the bank still denied releasing the funds, there is no verified number with this company as it was just established in XXXX of XXXX  and the CEO does not have a business phone number. I have offered to go into a local branch WITH THE MAKER of the check in which he could provide ANY and ALL information showing he is in fact the maker of the check however that was denied??? This seems totally unethical and extremely illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Pacific Rim Alliance Corporation
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They say i owe on a loan that I didn't take out and now are texting family members to call them. I called and asked them to stop and they laugh and hang up

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, 2020, I received a letter from Flagstar Bank indicating the flood insurance on our property does not meet their minimum coverage. The directions in the letter said to increase the flood coverage by {$19000.00} within 45 days or the difference would be applied to my loan. On XXXX XXXX, 2020, I emailed a copy of my flood insurance declaration page which showed the increased coverage to the email address requested. I received an email back from Flagstar noting receipt of the information and their files would be updated shortly. I called on XX/XX/XXXX and XX/XX/XXXX to confirm receipt of coverage. The rep said yes and everything was ok. On XX/XX/XXXX, I received a letter from Flagstar saying I never increased the coverage and their took money out of my escrow to buy coverage. I called Flagstar and an XXXX of the leadership team said she had to hand in a ticket to waive the Flagstar added coverage and to reimburse me. She said it would take 2 weeks. I called back and Flagstar keeps saying they have to hand in a ticket and it will take 2 weeks. They promise to call me back but never do. I wrote a letter on XX/XX/XXXX and they never responded. I have called every several weeks since then with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi, I pass a lot of days, months a year ... more than a year fighting for my house ... My roof ... I pass about maybe five processors in trying my loan modification since XXXX XXXX. Then XXXX I start a modification because my income has changed ... already I received XXXX XXXX XXXX to work. But this people started with a processor that one resign to the bank and then other that I always send email making following and calls over and over and another one and another like ghost but they dont stop the foreclosure. This is so hard for me because at same time this bank make me more sick than ever ... I understand that I can paid my house YES. But all the time FIRST BANK OF PUERTO RICO says they want the house ... yes I got another house that was currently payment. But this house in XXXX XXXX is the first one. Please a need HELP FROM YOU BECAUSE THIS IS THE WORST THING I EVER LIFE AS SAME MAKE ME SICK ... ( losing weight about 40 pounds to many things, If you need the information from doctor sure be able to should you )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have been unable to transfer money from my card to my bank account. The last time I was able to transfer funds successfully was XX/XX/2020. I have called into customer support several times, even getting charged a XXXX IVR BAL INQUIRY FEE because I have called in more than 5 times in a month, and it automatically tells me my balance when hitting the main menu. I have reset up my direct deposit via the web and phone IVR ( based on agent recommendations ),  reached out to my bank to see if they were able to do anything from their end, tried several manual transfers to 3 different banks, had a support ticket made, talked to '2nd level support ' and 2nd level  support suprevisor, spending several hours on the phone. I have been disconnected several times, both my support reps and the IVR. The  support ticket group called me back and left a voicemail stating if I was having issues logging in, to call back in. I do not get notified the funds are not returned, an option they have " Fund Transfer Return Alert '', instead a CASH CREDIT CLIENT ADJUSTMENT is added to my account for the same amount as the attempted transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX of XXXX Florida is reporting inaccurate data on all three ( 3 ) credit bureaus. At the inception of my contract I purchased a vehicles that needed repair. XXXX had the company make some repairs, but the horn, spare tire, gas tank and radiator was never repaired which later led to major repairs totaling over an additional {$5000.00}. The original loan amount was {$8500.00} XXXX of XXXX Florida did an additional loan totaling XXXX therefore, giving me two loans with the company. After the last repair XXXX of XXXX Florida sent a mechanic out to evaluate the car and they told me they were going to junk the car and give me another car of equal value. I waited for the new car never received it instead I started getting calls talking about repossessing the car. I sold the car to XXXX XXXX when the car was in the shop she never received the car and it is being reported on her credit report as well. I called the headquarters and was told to speak with the XXXX XXXX office XXXX kept hanging up the phone on me and having a Sheriff office calling threatening me. The lending practices should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card
Sub-product: Store credit 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:
When I spoke to you on the phone informed me that there was a zero fraud liability. I had nothing to worry about. Months later, youre telling me you are denying my fraud claim you have not given me any information as to why. We were not located in the city that the charges were made in. We also did not have the cards in our possession. But charges were made. If thats not considered fraud, I need you to explain to me. What exactly you consider fraud? I mean we didnt have the cards and we were not in the city that the charges were made on. We didnt give the cards to anybody else. We didnt give permission to anybody else we didnt benefit in anyway, so why would you deny our fraud dispute? Explain in details about the specific case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-17
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: Their investigation did not fix an error on your report

Complaint:
XXXX of XXXX Florida is reporting inaccurate data on all three ( 3 ) credit bureaus. At the inception of my contract I purchased a vehicles that needed repair. XXXX had the company make some repairs, but the horn, spare tire, gas tank and radiator was never repaired which later led to major repairs totaling over an additional {$5000.00}. The original loan amount was {$8500.00} XXXX of XXXX Florida did an additional loan totaling XXXX therefore, giving me two loans with the company. After the last repair XXXX of XXXX Florida sent a mechanic out to evaluate the car and they told me they were going to junk the car and give me another car of equal value. I waited for the new car never received it instead I started getting calls talking about repossessing the car. I sold the car to XXXX XXXX when the car was in the shop she never received the car and it is being reported on her credit report as well. I called the headquarters and was told to speak with the XXXX XXXX office XXXX kept hanging up the phone on me and having a Sheriff office calling threatening me. The lending practices should be investigated.

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 2022-12-17
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: Account information incorrect

Complaint:
Account : XXXXXXXX XXXX  Account # : XXXX Dates Associated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX When I called a representative kindly agreed to have these late payments removed from my account now that it has been paid in full and I have since been on time with all recent payments. 

This adverse information has been incorrectly added on my credit report. Please reinvestigate this matter and remove the negative payment history from my credit history. Thank you for your assistance.

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 2019-07-26
Company: Experian Information Solutions 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:
XXXX ; Experian and XXXX are reporting incorrectly a collection with CXXXX XXXX XXXX XXXX XXXX partial account number XXXX for {$200.00}. ( Please see pages 25 and 26 of the attached credit report. ) This collection item was deleted from my credit report however, now it has re-appeared from the same collection agency, XXXX, and they have now generated a new account number and re-aged this collection. By doing this, they are in violation of the Fair Credit Reporting Act. I have contacted the ( 3 ) bureaus to have these line items removed however, I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I appear to be facing continued forms of harassment from EdFinancial. EdFinancial has sent me a letter with a date in XX/XX/2023 giving what appears to be very false " information '' about my " Federal Direct Stafford Loans ''. Further, upon logging in today XX/XX/2023, I can see that EdFinancial appears to have misappropriated my payment of {$70.00}. They have mentioned this money as " received '' but have not decreased my loan group with the highest rate by {$70.00}. They may have instead " punished '' me for what they believe to be a " crime '', which is standing up to them for their actions, by applying it to an interest loan group which I did not specify ; when I made this online payment, I specified that this {$70.00} should be applied to the highest interest rate loan group.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX P.O box XXXX XXXX, CA keeps harassing me over a debt that is almost 7 years old from the XXXX XXXX a company that has went out of business they adding interest the debt and they are a 3rd party collection agency. Under the F.D.C.P.A federal Department of Collection Practice Association and Federal Trade Commision laws I have repeatedly asked for verification of the debt to prove I owe it. I even tried to settle a debt I don't owe but was not able to reach an agreement with the company. I do not owe this debt. At first it was only on my XXXX credit report but as of XX/XX/2019 it appeared on my XXXX credit report with a outrageous amount {$430.00}. It just keeps going on up. I know this this against all laws and seeking information on how to personally sue this company.for malpractice and harassment.

Company response to consumer: Closed with explanation