BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-26
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
On XX/XX/XXXX, I opened a Citibank account, I was XXXX and we were opening an adult account. The guy didn't mention anything about the age requirement and he knew I wasn't XXXX because I came with my mother to open the account and we both mentioned my age countless times. We put in {$3100.00}. 
After opening the account a week in I start to set up a XXXX, XXXX, and XXXX XXXX   account. Then on XX/XX/XXXX, I get a letter from Citibank saying that my account is closing due to suspicious activity and I will be receiving a check in at most 2 weeks. I called the number in the letter and they kept saying they didn't know what the problem was nothing was showing up and that I need to go into a branch to get the information I need or I wait for the check. So I wait every day checking the mail to see if the check arrived, 2 weeks pass, no check, I give them a week because I'm nice, that week passes still no check. I call the fraud department and they tell me to go into a Citibank and get help there. I do that and this very sweet lady helps me and basically says that I should go to the branch where I opened the account or call the number again and ask them to resend my check. I call them they resend my check, I wait for the check, no check, I call them again, verify all my information, the check is resent, I wait for the check still no check. I call in for the fourth time, all the information is still correct, the check is resent and I wait and to no one 's surprise, there's no check. I try for the 5th time and i said if this doesn't work I'm going to the branch where I opened the account. Next thing I know it XX/XX/XXXX, I'm XXXX and I'm at a Citibank with my mom and are talking to a woman who apologizes and says she can't really help and that we have to call the fraud department. Which brings us to 3 weeks ago, when I called the fraud department and they had told me that a check was never ever sent out to me and that a check will be sent to me and I'll receive a check in the mail in about 2 weeks, it's almost XX/XX/XXXX and I still don't have my {$3100.00} that I've been waiting for almost a year for. I have been kind and patient and calm, but after waiting for almost a year this whole thing is really frustrating me.

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 2023-01-21
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX. XXXX, 2019 LVNV FUNDING LLC Account -- {$140.00} that I owe. 
I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I applied on-line for an XXXX XXXX XXXX  XXXX XXXX XX/XX/2022, I received a email letter from XXXXXXXX XXXX requesting for additional information to process my application. 

Before responding to said request, I call the bank spoke to a XXXX bank agent about the letter, in addition said agent confirmed that my application would be approved timely after additional submitted additional has been processed. Was not approved. 

Not only XXXX XXXXk employed agent was not truthful in his statement, he failed to mention that JPMCB Chase bank would also take part in processing the application which has resulted of my receiving Two WRONGFUL Hard Hit inquires - both from XXXX and Chase Bank. 


Due to what appears to be an unscrupulous practices, I will never request and/or apply for any products or services from both said banks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My Mortgage was transferred to a new company called Mr. Cooper on XX/XX/2019.  They sent me an email dated XX/XX/2019 that they were the new mortgage company. Also stated in the letter it states there will be no late fees or negative reports on my Credit Report for 60 days of transfer. I have now received two late fees that they refuse to reverse, stating that it is from the previous Mortgage Company. I called them on XX/XX/2019 to customer service and he said they couldn't reverse it because its from the previous Mortgage Company. I then asked to talk to his Supervisor, She told me the same thing. They are lying to me, since the transfer took place on XX/XX/2019 and the fees have been assessed after that date. They have been told by Mr. Cooper to state this. It wouldn't be surprising if I find out they are doing this to all their newly transferred customers.Late fee assessed on XX/XX/2019 {$57.00} and XX/XX/19 {$57.00} According to their website this is the fee for their late fees. Also my previous mortgage company charge a {$75.00} late fee. Also Mr. Cooper doesn't tell their customers that they bought Seterus Mortgage Company for XXXX million dollars. They only say it was a transfered and not an acquisition. They are not being honest in their business practices, just like Seterus was and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Blackhawk Network Holdings Inc.
State: NJ
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have XXXX separate {$250.00} Visa prepaid cards through giftcards.com. I had forgotten about them, and when I logged in was disappointed to see I had lost value due to dormancy fees. This was unfortunate, but upon closer inspection I noticed XXXX separate dormancy fees of {$4.00} were charged within XXXX weeks ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) on each of the XXXX cards. I asked for an explanation and received no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: SYNCHRONY FINANCIAL
State: CA
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:
I feel synchrony closed all of my cards because of my race .... I have been an excellent card holder for many years! Paid my cards on time and to XXXX  balances. Being African-American I have seen the struggles in life. I got a great education. I saved a lot of money. And I built GREAT CREDIT!! After I had mentioned to one of Synchrony reps. Synchrony closed down all 7 of my Synchrony branded cards that I have had for years .... I have a XXXX FICO SCORE! Never been late!!! NO NOTICE GIVEN TO ME. Synchrony just closed my cards. XXXX, Banana Rep, Amazon, Chevron, XXXX, XXXX XXXX JCP. After all the tension in our country Synchrony decided to close all my cards without giving me a reason or notice. What a sad & pathetic operation run at Synchrony. Its XX/XX/2020 and I have still not received a notice or explanation on why Synchrony closed all my cards after 4 years ... My cards are paid in full every month. All 7 of the cards have XXXX  balances. On the Amazon card they owe me money.

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 2023-06-08
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Couple years I came down with 2 times which I'm turn made XXXX XXXX go bad. Wells Fargo did let me do that 6 month and put it on the back of the loan .I called to refinance and they wouldn't refinance do a loan modification or anything for me and I had had this loan for 17 yrs. They told me if I couldn't use no more of their products until I came up with the XXXX that they had attached to the end of my loan. Couple years later I'm still struggling and no help so tell me why they don't owe me like they owe everyone else is it because I'm 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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-01-28
Company: EAST WEST BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Eastwesk the bank didn't want to approve my accountWhy did mail to me an invalid debit card and force me to bear the shipping XXXX dollars XXXX I think it's the bank fraud from XXXX You can see how many complaints are made against this XXXX bank ( Eastwesk Bank XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a preapproval from Capitol One to open a card. I applied, was rejected, and on the rejection reason was told I had too many Capitol One accounts. This happened twice. If this is the case, I ought not to be getting reapproval 's being they know my account. This lowered my credit score by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
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 non-monetary relief
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance : {$370.00} XXXX  XXXX Balance : - XXXX XXXX Balance : {$1500.00} XXXX XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX Inquired on XX/XX/2023

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 2022-12-22
Company: Experian Information Solutions Inc.
State: OR
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:
So I sent a letter of on XX/XX/2022. To remove Inaccurate Personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to Privacy. Also According to 15 USC 6802, No Financial Institution is not suppose to share my Information to third Party people.

These are clear Violations of my Federally Protected Consumer Rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, the following accounts, have violated my rights. 

XXXX : XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX DEPT OF EDUCATION/XXXX  Account # XXXX XXXX  XXXX XXXX  Account # XXXX Equifax : XXXX XXXX XXXX  Account # xxxxxxxxxxxx XXXX XXXX XXXXXXXX XXXX Account XXXX xxxxxxxxxxxx XXXX XXXX  XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX Department Of EducationXXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Bank Account XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: WA
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:
These were company cards, not a personal account. The credit cards were opened by my company XXXX XXXX XXXX XXXX. Once I closed the business in XX/XX/XXXX, the cards were inappropriately put on my personal credit report. I hired a lawyer in XX/XX/XXXX to contact XXXX XXXX. XXXX XXXX was not able to prove I was a personal guarantor, because I was not a personal guarantor. This amounts to fraud by XXXX XXXX. 

Please note that my last name at the time was XXXX, not XXXX. 

Furthermore, both XXXX and Equifax are fraudulently reporting both cards on my credit report as though they are CURRENTLY delinquent, not charge offs from a business over 6 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: Conn's, 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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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