BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXXXXXX XXXX XXXX # XXXX This account is unrecognizable. Please remove. 
XXXX XXXX XXXX # XXXX This account show 120 days past due from XXXX. You can not have 3 consecutive months of the same number of days past due. This is non-factual reporting. Please remove. 
XXXX XXXX XXXX # XXXX This account show 120 days past due from XXXX. You can not have 3 consecutive months of the same number of days past due. This is non-factual reporting. Please remove. 
XXXX XXXX XXXX # XXXX This account is unrecognizable. Please remove. 
XXXX XXXX # XXXX This account show 120 days past due from XXXX. You can not have 3 consecutive months of the same number of days past due. This is non-factual reporting. Please remove. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results

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 2021-06-25
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My two credit card accounts with American Express were opened XXXX XXXX, XXXX XXXX and XXXX. I set up automatic payments with the company. Everything was fine until around XX/XX/2017 when I told AMerican express, via phone, that my bank account on file experience fraud and I had to change the payment account with american express to another due to this. We changed the payment account over the phone. The next payment was never taken out of my new account. American express kept on trying to take it out of my old account. I did not realize this because they never called me and I set up auto pay with my new account. It took a while for me to realize it. This is when they closed my account in XX/XX/2017. I would like to have the charge off and closed account removed from my credit because this is the fault of American Express. I've reached out to American Express several time throughout the years and tried disputing it with them and the bureaus so I turned for CFPB because no one would listen. I filed a police report and a report with XXXX XXXX. American Express should check their phone records to verify what I'm saying and remove this account from being reported to the 4 major credit bureau agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have disputed the late payment status reported on the account XXXX XXXX   XXXX XXXX with XXXX and Transunion for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2020-11-13
Company: CITIBANK, N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I check my Citibank account and I noticed few deposits are coming into my checking and savings accounts and I had to change my passwords and screen Name and I called Citibank and open up a dispute on these larger transactions and they were able to put a stop payment and cancel these transactions but there was a system glitch in the amount of XXXX that came in into my account on XX/XX/XXXX and I never did this or I dont know who bring money into my account and it was canceled and rejected after I called in and report it and it cause my Citibank account to go overdrawn by XXXX but I never withdraw or take any money out if I did then the overdrawn balance would been valid Citibank is holding me responsible for the overdraft balance due to there system glitch ... and I wont pay for this cause I never took the funds from my account and Citibank never offer me to change my account number to prevent more fraud coming in and I do have a pending lawsuit open for this XXXX that was charged into my account that cause a major overdraft on my access account ending in 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 2018-11-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
i discovered an item on my credit that was opened in XX/XX/2013 the account in question is a Motorcycle loan from XXXX XXXX. 
An ID Theft Report was filled out, and sent to the major CRAs XXXX, XXXX, EQ. It should be noted because XXXX and EQUIFAX is now attempting to be in the XXXX XXXX XXXX they are violating privacy laws sending affidavits to various organizations without the permission of the victim. She requested the CRAs block fraudulent information resulting from identity theft, as required by Section code 605B Block of the Federal Credit reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: EQUIFAX, INC.
State: DC
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 balance was disputed, as the amount is not correct. Since the balance is not correct, I refused to pay it and requested verification of how the debt was calculated in XX/XX/2015, but he creditor failed to provide me with verification of the debt, as required by Federal law. Because the debt was not validated, I again refused to pay, until it was validated. The creditor then began to report it to the credit bureaus, but I never received what they provided to the credit bureaus. I disputed it with one of the credit bureaus directly in 2015, but nothing changed, and I did not receive the information provided to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: SYNCHRONY FINANCIAL
State: SC
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:
XXXX has been non-compliant with removing the unverified account SYNCB/WALMART which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SYNCB/WALMART was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-09-15
Company: CarMax, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The car was a XXXX XXXX XXXX. All of these vehicles had recalls on them and transmission problems. I was overcharged for the vehicle with an extended warranty that was {$1700.00} odd dollars. The warranty never addressed my issues with the transmission or my concerns with the car they only replaced my battery once and I paid out of pocket for it. When asking to trade the car in for a newer vehicle they advised they would reimburse the warranty because I never used it. Fast forward and lost my job and the car was repossessed in XX/XX/XXXX. The car was sold at an auction for {$1600.00} and they are now telling me that the balance owed plus taxes, fees, and interest is {$5700.00}. My credit report shows {$3600.00} owed on the car and everytime I call and speak with them they wont help. They only reimbursed {$200.00} odd dollars for the extended warranty that was purchased and not used when they agreed to reimburse the entire {$1700.00} odd dollars. They also never sent me an intent to sale the car at an auction or the sale itself. I had to call them to find out the car was sold for {$1600.00} at an auction and they are still trying to overcharge me or stick me with a balance of {$5700.00} on their records and {$3600.00} on my credit report. Please help me get this resolved or removed because it is negatively affecting me and they dont care to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE NO OUTSTANDING DEBT FOR XXXX. ON XX/XX/18. THIS DEBT IS NOT MINE. FRAUDULENT REPORTING

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I called Citi XXXX on XX/XX/XXXX well before my payment was due XX/XX/XXXX and spoke with two different employees. I asked for some consideration since I have been a good customer of two months of deferral of payment since I do not have the resources. I am self employed and was sick for two months in the last 4 months with both XXXX and XXXX twice. Insurance companies who owe me fee 's of XXXX have thrown me behind. they said XXXX does not do that I would have to close my account and would be charged the same amounts each month that I would owe now. 
I said I do not have this money and it can not be taken out of my account and as soon as I knew what amount I could pay I would get back to them. 
On XX/XX/XXXX they automatically withdrew XXXX two months of fees from my account leaving me without a paycheck to pay my mortgage for the first time in two months and to pay my lease for my office and food for myself? 
I can not make this up and it is now plummetting me further into a crises.

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 2018-11-05
Company: SUMMIT FUNDING, INC.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Monday, XX/XX/2018 To whom it may concern, I have a mortgage with Summit Funding Servicing. My loan was transferred to Summit Funding Servicing in XX/XX/2018. I have had to contact them at least one time per month, beginning in XX/XX/2018. To encapsulate, for three of the five months that my loan has been with Summit Funding Servicing, I have had to call them to point out that they had made the error of withdrawing double escrow payments. I am reporting Summit Funding Servicing because per customer service the error will be made monthly and will not be corrected unless I call monthly. Also, I truly believe that other consumers may not be aware of this error or the need to contact Summit Funding Servicing monthly to ensure that the error is rectified.

My monthly mortgage payment totals {$1400.00} out of that {$410.00} goes toward escrow. Monthly, the Department of HUD Mortgage Insurance receives {$140.00} from escrow leaving a remaining balance of {$270.00} to go into my escrow account to pay for my taxes and homeowners insurance. However, Summit Funding Servicing is taking the Department of HUD Mortgage Insurance payment of {$140.00} from both my initial payment for the month, which is always documented in the payment history, and an additional {$140.00}. There is never a formal record/documentation of the second {$140.00} that was removed, just missing money from my escrow account that is meant for my taxes and homeowners insurance. Meaning Summit Funding Servicing takes {$280.00} until I call and review my account with one of the customer service employees. When I called, on XX/XX/2018 I told a Summit Funding Servicing customer service representative and her supervisor that I would be reporting them and on XX/XX/2018 my account was updated to state that the additional escrow payment was withdrawn on XX/XX/2018 ; although, I had not made XXXX 's payment, yet. 
I want you all to not only rectify my situation, but to do a full investigation to ensure that other consumers are not being cheated. I should not have to call my mortgage company monthly to have my account corrected. I should be able to go online and obtain an up-to-date, accurate copy of my payment history that includes any additional funds, or withdrawals ( i.e. tax and/or homeowners insurance payments ).  Also, most months I pay extra money towards my escrow, and principal as well. However, it is never reflected in the month that I paid it, my account reflects the additional funds in the following month instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022 I made a complaint about a dispute of the invested amount I need back because of the merchant bankruptcy it's been more than long enough to receive the dispute amount. I also can not make payments because my account being restrained for more than 10 business days all because I wanted to make a dispute for the invested amount the merchant owes me. I need a dispute and also my account being unrestrained I'm very disappointed.

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 2018-06-19
Company: Experian Information Solutions Inc.
State: CA
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:
I attempted to check my credit reports on XXXX and on the identity verification page, I was asked questions in which all the responses did not relate to me. For example, it asked me to verify which address I've lived in and all 4 options were not my address. I proceeded to put on " none of the above '' for all the questions and was denied my credit report access.

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 2018-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Starting from XX/XX/2018 Transunion has continued to incorrectly report my two accounts at XXXX XXXX XXXX as closed by my request. I have disputed this information as incorrect multiple times, do to the fact the accounts are not closed, to date they are still reporting incorrect. I also called my credit card company who verified the status is incorrect. In return this is impacting my credit score.

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 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
The creditor XXXX XXXX XXXX is reporting a collection account on my credit report. This is not my account and I have disputed this debt several times with the credit bureau and the creditor several times. This is a violation of the Fair Debt Credit Reporting Act.

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 2018-06-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was taken over from XXXX XXXX XXXXXXXX to Carrington Mortgage. I must say that we did NOT request a change in mortgage service We got the information from Carrington and immediately set up online automatic debits for our monthly payment. My husband also spoke with a representative at Carrington who ASSURED us that it'd be a simple process. After about a month into the new mortgage service, we started getting calls about our payment being late. We explained that it CANT be late, that we see on our bank statement that it is in fact being debited automatically. We wrote letters, e mails, faxes, phone calls, etc all to no avail. Now they have turned us into the credit bureau and my husband and I both lost 100 POINTS on our credit score as a result of their mistake. I would not recommend Carrington to anyone!!! They have ruined our credit as a result of THEIR XXXX up. 
I recieved a pre approved notice for a loan refi through a credit union. I was denied because they stated " you are behind on your mortgage ''. I looked at my credit report and Carrington has reported that we have made NO payments for 6 months which is completely incorrect!! They DEBIT our account automatically twice a month to fulfill a monthly payment! We are not late on our mortgage. Their customer advocacy department is horrible. I have called them numerous times and again today. You can not get anywhere with them. For the third time I sent them copies of my banking statements where they have deducted payments since they took over the loan last XXXX. I asked them to update our credit to show that we are NOT 6 months behind because it is simply not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: American Credit Acceptance, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to American Credit Acceptance which was received on XX/XX/XXXXat XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe since I never recall establishing an account with American Credit Acceptance. American Credit Acceptance has not provided any means of documentation period. No chain of command, application, or contract, containing my signature has been provided on behalf of American Credit Acceptance which is a requirement in the court of law. American Credit Acceptance continues to violate the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hello- I have a XXXX  's store credit card. I do use it and currently have a XXXX   balance. In XX/XX/XXXX I received a letter stating that I was going to get-or being upgraded to an XXXX XXXX XXXX XXXX XXXX. I already have an XXXX XXXX card + I don't want to pay for another credit card. It is not clear if there is an extra yearly fee. I have until XX/XX/XXXX to decline the card. My issue is that I have tried to call the XXXX number and tried several times to log on to the XXXX address to decline the XXXX XXXX card. It sends me to the XXXX questions page. Please help. I don't want the card.

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