BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
State: OH
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 not my account. As I have disputed this account before. Please provide the original instrument of indebtedness, method of verification and validation of debt for this account. 

XXXX XXXX XXXX  XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX LOAN # XXXX This mortgage was paid in full about 5 years ago, I requested from Citibank Mortgage all documentation for this mortgage like payment history Etc. they are ignoring my request, I am trying to sell a property and I lost 4 clients because of CitiMortgage there is nobody to talk to, not sure why they do not want to send me these documentation, I can assume maybe fraud what 's going on that 's why I did not want to send me documentation but I need these documentation ASAP

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 2017-09-23
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Prime Lending, as well as other lenders in XXXX SC, openly violate RESPA and " provide things of value '' for referrals. The attached showed up in my XXXX feed. Pitiful.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
RE : EQUIFAX ... ..I REQUESTED COPY OF REPORT OVER 45 DAYS AGO TO SEND UPDATE FREE ANNUAL CREDIT REPORT AND TO THIS DATE REPORT HAVE NOT BEEN RECEIVED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17
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: Personal information incorrect

Complaint:
I contacted Experian to report inaccurate information on my credit report on XX/XX/XXXX and again XX/XX/XXXX of this year. I disputed my name being reported inaccurate on their report. My name is being reported as XXXX XXXX which there are 35 people of the same name in the state of California and more nationwide there's even one that's a XXXX XXXX driver. Because of this fact and the rise in identity thief I chose to report my name as on my birth certificate and social security card and drivers license. 

That name is XXXX XXXX XXXX. That name is also on my business documents fort my company XXXX XXXX XXXX, also with my association with XXXX XXXX XXXX ( a youth basketball association ) There has been occasions to abbreviate my middle name but never exclude it. 

I sent copies of my Driver 's License, Social Security Card and bank statement. 

The FCRA states that the information reported on my report should be accurate. I applied for credit and was told that my name did not match the name I applied versus the name being reported by Experian.

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 2021-01-25
Company: CITIBANK, N.A.
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:
On my credit reports there is a closed account with huge amount of missed payments. BEST BUY/CBNA Opened XXXX. XXXX, 2011 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX has violated my rights as a consumer and I 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 2020-05-23
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I tried to send the Money to XXXX of USDXXXX, the recipient can not receive the money when they call the Moneygram they told the recipient that inform and ask sender to call. Once I ( sender ) call the Moneygram they are asking that recipient should call so I ask the supervisor to can cell the transaction they are saying that they can not cancel the transaction.

So I am requesting to please look into this matter and request Moneygram to refund the amount to the card. This transaction has been done in Walmart. Walmart also called them and they are saying the same thing. Walmart is asking that moneygram release the hold then they are able to refund the amount. 

Thanks for your kind cooperation. 

Transaction Date : XX/XX/2020 Amount : USDXXXX Request for refund by Me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Either the bank made an error or my account was hacked over XXXX dollars was sent to someone name XXXX using XXXX. I did not send these XXXX  transactions. I contacted the bank spoke to a manager named XXXX he said he I would get all my money back and I would get a credit within 10 business days. I just received a letter in the male saying no error was made and my account would not be credited. How can they do this my account was drained all my money for rent, food, transportation is gone.. Please help me get my money back. 

It is citizens bank Claim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX Account : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-03-02
Company: Experian Information Solutions Inc.
State: NY
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 check my Credit profile I noticed two unauthorized inquiries date XX/XX/2022 XXXX XXXX XXXX  AND XX/XX/2022 I noticed unauthorized inquiries from XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a collection account listed on my credit reports by a debt collection agency, NCC BUSINESS SERVICES, collecting on behalf of XXXX XXXX. NCC BUSINESS SERVICES is not licensed to collect in the state of Florida and therefore I am disputing this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020 we closed on a new mortgage loan ( XXXX ) with TD Bank. 

The funds from this new mortgage loan were supposed to payoff our existing mortgage loan ( XXXX ) which was also with TD Bank. 

It has been 4 weeks and the funds from the refinance have not been applied to the original mortgage. It still shows an outstanding balance, payment due, and is accruing interest. 

We have notified our loan officer, XXXX XXXX, by phone and email multiple times and he has not responded to our questions. We attempted to contact his supervisor, XXXX XXXX, and he has not responded. The closing agent, XXXX XXXX at XXXX, verified that the funds were dispersed on XX/XX/XXXX and a wire transfer was sent to TD Bank to payoff the existing loan ( confirm via email received from XXXX XXXX on XX/XX/XXXX ) The payment to the old mortgage ( XXXX ) needs to be completed and back-dated to the date of our closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: EQUIFAX, INC.
State: TX
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:
There are currently numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
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:
Via Certified Mail, Return Receipt Requested XXXX XXXX XXXX, Account Charged off. This account has been placed with XXXX XXXX XXXX XXXX XXXX  XXXX. My disputed account reporting on my XXXX, XXXX and TransUnion Credit Report following investigation, and each credit bureau refuse to re-investigate, OR verify the accuracy information I disputed.

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 2020-11-14
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a hard inquiry on my XXXX  credit report from Suntrust Bank XXXX XXXX, dated XX/XX/2019. I did not apply nor authorize this company to conduct a hard inquiry on 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 explanation
Consumer complaint received 2017-09-14
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
on XXXX XXXX XXXX in XXXX sent a check and payoff letter to Citi bank. The payoff letter contained my Name, address, and account number. On XXXX Citi bank deposited the check but never applied it to my credit card. A month goes by and I got a late fee, so I go to XXXX XXXX and we do a XXXX way call and XXXX had XXXX XXXX send in a research request. A month later they said that we needed to ask for another request, which we faxed in, they also claimed that there was no letter with the check. Per XXXX XXXX policy they have to send a letter, and they gave me a copy of the letter that was sent. Then XXXX weeks ago we did another XXXX way call and they said they were in process of taking care of. Now in XXXX it has been submitted to collections. The bank could not reissue the check since XXXX deposited and already received the funds. As of right now XXXX has stole my 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 monetary relief
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX opened in XX/XX/2010 for XXXX as a charge off should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.

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 2021-01-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Synchrony bank XX/XX/XXXXcredit card was applied on XX/XX/XXXX, for the promotional reward of {$150.00} when spend {$500.00} or more within 30 days of account opening. 

Numerous inquires have been made since the XXXX statement, requesting for the {$150.00} credit on the statement, and the responses have consistently been " ... will show up on the next statement. '' Received a letter from Synchrony Bank, dated XX/XX/XXXX, stating that " ... the statement credit in question will appear on your billing statement within 1-2 billing cycles ... '' On XX/XX/XXXX ( after 2 billing cycles ), contacted the bank and spoke with the Supervisor ( XXXX XXXX, as a result of not seeing the {$150.00} credit. She had indicated that the credit did not appear on the statement because I have a {$0.00} balance in the XXXX billing cycle. The reward credit will appear in XXXX 's statement, only a balance is generated within a billing cycle. I mentioned that I have never heard of this process before, and XXXX repeatedly said " ... this is the way we do it ... '' It should be noted that the this particular process was also confirmed via chat with a representative on their website. 

On XX/XX/XXXX, contacted that department again just to confirm the credit upon a purchase on XX/XX/XXXX. I was told that I am not eligible for the reward program ; however, a request has been submitted for further evaluation on XX/XX/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 2020-11-17
Company: JPMORGAN CHASE & CO.
State: CA
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:
On or around XX/XX/XXXX I received a text message to verify a charge from my bank that was in fact not me. Upon receiving this, I checked my banking to see several charges I did not recognize. After that I went to verify my card was in my possession and noticed that both my XXXX XXXX and my Credit Card were not in my wallet. I shopped at XXXX earlier and I believe the cards were likely lost at the store or in transit to my house. 

Notified Chase of the lost card same day, a temporary refund was issued. about two months later the charges were re-billed as I " shop at XXXX often '' however several charges occured at stores I've never been to during times I was at work nearly 100 miles away. Chase, ignoring all of this information stands by their assessment these charges are valid. On a follow up call it was suggested that I go down to XXXX and get surveillance footage, something that should have easily been part of their " investigation ''. I am also able to provide detailed logs of where I was on these dates in question which will validate I was at work. 

I went to XXXX last week to secure footage as requested at which point XXXX notified me they only keep footage for 60 days, had Chase done their job right in the first place we'd have video footage of the criminals, instead they tell me more than two months after the fact that's my job to prove i'm not a party to the crime. XXXX was able to provide copies of the receipts from these transactions, so we at least have an itemized list of purchased items, Chase ( or an officer ) is welcome to come to my house and validate I do not own any of these items. 

Further, I am filing a complaint with the FTC due to the improper businesses practices on behalf of Chase in this matter. This is a very straightforward case of me losing my cards and someone taking advantage of the situation. According to the fair credit act ; My liability is to be limited to {$50.00} as I reported this fraud within 24 hours of becoming aware of said fraud. Additionally the FCRA explains in plain english that if the card issuer believes me to be lying about these transactions they have the burden of proof in doing so. Thus far the only thing Chase can provide as " evidence '' is I've shopped at a store that in 2019 had 94.5 Million members.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-25
Company: CITIBANK, N.A.
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:
On my credit reports there is a closed account with huge amount of missed payments. MACY'S/DSNB ( opened XXXX. XXXX, 2009 XXXX Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MACY'S/DSNB has violated my rights as a consumer and I 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 2021-01-25
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: Was not notified of investigation status or results

Complaint:
I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report.As of this present date, XX/XX/XXXX, I still have not received any response, which is more than 120 days later. I am under the impression my disputes are being ignored and disregarded. I also feel I am being taken advantage of and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX  data breach whichmay have gotten into the hands of wrong individuals.

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: JPMORGAN CHASE & CO.
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:
hello I was due to begin paying a loan for the total amount of {$2000.00}, with the first statement being billed on XX/XX/22 for {$170.00}, a private loan through XXXX XXXX and XXXX. The email in which I was receiving notifications on was hacked at the time and I did not have access to the notifications being received as well as the mails being sent to the wrong address. Given the unprecedented pandemic situation related to XXXX loans, and unclear communications constantly changing, I was under the impression after not receiving clear communication that all of my loans were under the federal deferment related to XXXX. These loans were subsequently late by 2 months due to the miscommunication rather than my inability to pay the loan in full, one on XX/XX/22 and one on XX/XX/22, however had three alerts on my credit report negatively affecting my credit score, two being after the date the loan was paid in full and two late payments on my credit report. The loan was paid in full on XX/XX/22, however negatively affected my credit score in the medium term and also causing me to get denied for a credit card in which I was applying for through my place of employment ( Chase Credit Card denied for on XX/XX/22 ). 

I believe at the very least I should have one late payment on my credit score, not two, given the loan was paid in full on XX/XX/22 and I got docked for XX/XX/22 and XX/XX/22 so that is just an error. However, I believe given the unprecedented nature of the communication, my clear ability to pay the balance promptly when properly notified, and the error of late payments justifies the fact to discredit the negative affects of the 2 late payments on my credit score as well as a denial of application of credit. 

I hope these comments are taken into consideration and the righteous improvements due to the error of the debt collection agency and or/XXXX XXXXXXXX in inaccurately reporting a credit past due is worthy of a correction and subsequent improvement to current credit score. 

Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation