BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Several Fraudulent charges were charged to my account. I informed the company they were not mine. They began to investigate and would adjust charges off. Very often they would put them back on later. I tried to keep track of the charges and their removals. But they stopped putting the individual removals and just called it an adjustment. So I can no longer keep track. This has been going on for months. 

I have continued to make a monthly payment, because I do not want my credit harmed. 

ALSO, i had taken an 18 month loan for a total of {$1300.00} dollars. I have paid them {$1700.00} as of XXXX. The fraudulent charges, that I know about came to {$1700.00}. My statement for XXXX shows a balance due of $ {$1200.00}. 

These were charges made all over the country and often. I have no idea how much money I owe this company. I do know that I took out a {$1300.00} loan have paid that back plus, and still owe {$1200.00} in fraudulent charges. If they are clearing them as they say they were, This has been going on for months and I do not see that they have given credit for these charges. If they are the balance on my statement is incorrect. 

Another credit card I had was also charged with many charges that were not mine. And a third card also. I will be reporting them also. 

I did not give my cards to anyone as the 3 credit card companies claim, and they were not lost. They were with me. HOW can anyone charge on my account with out my password. I CAN NOT! Some one stole my info from somewhere and it looks like I am going to pay for it. I have a small income. 

I am thinking about destroying all my credit cards I can not afford pay for someone else..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2018 I spoke with a gentleman by the name of XXXX regarding my Serve account with American Express. This conversation took place at XXXX.

I asked him not to process a payment of {$160.00} that had been set up on bill pay as I had already taken care of paying the bill. He assured me that the transaction would not take place however it was sent it anyway and processed as a stop payment and I was subsequently charged a stop payment fee of {$50.00} from the town or XXXX. Again, XXXX  had told me that he had cancelled the bill pay and that the check would not be sent.

In short American Express Serve owes me {$50.00}.

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2018, I sent a letter to ProCollect Incorporated requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation that would verify this debt. They responded back via mail providing me with a billing statement. This does not VALIDATE the debt. It does not prove that I am obligated to pay this debt. They have and are continuing to report delinquency information to the credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: CITIBANK, N.A.
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:
On my report there is a closed account with huge amount of missed payments. MACYS DEPARTMENT STORES 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 MACYS DEPARTMENT STORES 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 2018-02-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Our Company XXXX XXXX XXXX XXXX XXXX made 3 payments to a Subcontractor XXXX XXXX XXXX. Drawn on XXXX XXXX XXXX XXXX XXXX, 1 ) Check # XXXX datedXX/XX/XXXX amount {$4500.00} 2 ) Check # XXXX datedXX/XX/XXXX, amount {$4500.00} 3 ) Check # XXXX datedXX/XX/XXXXamount {$6000.00} Totaling {$15000.00} These 3 checks were endorsed, by XXXX  XXXX XXXX XXXX XXXX, deposited and cashed by Well Fargo Bank. 
After receiving notice from XXXX XXXX. XXXX that this company had not received payment from us, we notified XXXX XXXX XXXX XXXX XXXX  and Wells Fargo Bank, Police report was issued to XXXX XXXX Police case # XXXX on XX/XX/XXXX, We have continue requesting from the banks the reimbursement of these fund paid by XXXX XXXX XXXX, a so far after 5 month we have not received the fund from Wells Fargo Bank.

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 2018-02-02
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:
My name is XXXX XXXX, and my wife and I were working on our credit reports and we started to research different things related to credit. We found that we could dispute inaccurate information directly with the three credit reporting agencies for which we did and were able to clean up several mistakes we noticed that were reporting. However we also learned that there is a statue of limitations for each type of item that reports and for some reason there are a few accounts the bureaus have continued to list even after disputing that are past the statue of limitations such as : Four accounts with XXXX XXXX XXXX XXXX, Two accounts with XXXX XXXX XXXX XXXX and the other XXXX. XXXX XXXX XXXX, Four accounts with XXXX XXXX XXXX, Three accounts with XXXX, Two accounts with XXXX XXXX XXXX, 4 accounts with XXXX XXXX XXXX and then One with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Experian Information Solutions Inc.
State: SC
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 and Experian are refusing to delete information on my credit report that is clearly dismissed through the court I feel these companies have completely lost the reason they exist which is to CORRECTLY REPORT what they are told .... I feel these 2 companies are more focused on cronyism vs professionalism and I need clarification as to what exactly these companies are and should do as far as Transparency XXXX : is a FRAUDULENT company that has ZERO INTEGRITY and refuse to provide the services to consumers that is deemed worthy EXPERIAN : is another company I have PAID MONTHLY for their services of which they have not provided BUYER BEWARE DO NOT SUBCRIBE TO EXPERIAN FOR ANY OF THEIR SERVICES

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 2018-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX paid in full still showing on my credit report cra violation inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Commonwealth Financial Systems, Inc.
State: KS
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:
these 3 company is violating the fair credit reporting act by listing a fraudulent account on my report that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX was disputed with the credit reporting agencies. They verified it and it's wrong. I'm uploading proof of this information. Also I have wrong addresses on all three of my credit reports that are still showing. I've called XXXX  and XXXX and haven't received nothing in the mail. Only TransUnion. I would like for this is be updated and for this account to come off of my report as It's not 100 percent accurate. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
M & T is giving me a hard time while I try to apply for a modification when it comes to proving my hardship. People suffer hardships at all points in time. I have XXXX XXXX XXXX, was denied for XXXX in 2016. I have done a lot to turn things around for myself since I suffered my hardship in 2016. I started my own business, opened a bank account, got a roommate, and I have been supporting my nephew to get through college. Further, I have been paying my overdue through bankruptcy court. I am more than eligible for a modification and I am fully prepared to start paying a mortgage payment. Lastly, I have provided all supporting documentation to M & T as proof of my hardship as they requested.

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 2019-09-10
Company: TD BANK US HOLDING COMPANY
State: WI
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:
Target Card Services had wrongly reported a delinquent account in XX/XX/2019 that has resulted in drastic drop in my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: JPMORGAN CHASE & CO.
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: Reporting company used your report improperly

Complaint:
In XX/XX/XXXX of this year I went into a dealership with a prior approval for a vehicle with my financial institution, XXXX. I had advised the finance and sales rep that this was the case, but I come to find that my credit was pulled by JPMorgan Chase without my authorization. Attached you will find a letter I sent to XXXX and them advising me to dispute with the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
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:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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:
I have inaccuracies on my credit report. I've sent verification letters on XX/XX/2020 and method of verification letters on XX/XX/2020 and their only response is updated. There is a clear error on my report stating that I am late 90 days and 120 late but the months before that its stating that I'm on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: United Collection Bureau, Inc.
State: TN
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/2019 at XXXX XXXX C.D.T. I was contacted by a Ms. XXXX XXXX regarding a debt belonging to my EX wife whom I have been divorced from for over 10 years. Per the divorce agreement she is responsible for all of her debts. I do not desire to hear about this matter, my Ex Wife 's name mentioned, or harassed again by United Collection Bureau, their agents, substitute trustees etc, regarding any and all matters concerning my EX wife. I have instructed XXXX Co. Sheriff XXXX XXXX to have his deputies arrest her on sight should she be found on my property, or in close proximity to me. Can I make it any more clearer that stalking by her, or United Collection Bureau will not be tolerated. 

United Collection Bureau XXXX XXXX XXXX XXXX, Ind. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
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:
I have a major real estate loan closing and I am at risk of losing tens of thousands of dollars due to an item reporting inaccurately on my report. The XXXX XXXX Acct # XXXX is not accurate at all. In my recent disputes this item was deleted by XXXX because they realized it was not reporting correctly so I am requesting that XXXX and XXXX also delete the item as well. I submitted complaints to the XXXX main credit bureaus XXXX, XXXX, and Transunion and it was deleted my XXXX. This item was verified however it is not accurate at all and needs to be removed immediately! If I lose my deposit for this house I will hold everyone accountable for harming me financially. I am attaching the loan documents for you to see it is for real. Please delete the XXXX XXXX   account # XXXX like XXXX did for inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Experian several times explaining that this is a fraud account that they are reporting on my credit for XXXX XXXX XXXX. This account does not belong to me & is a result of fraud.

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 2019-01-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I am disputing the debt owed to Select Portfolio Servicing for Acct # XXXX under the name of XXXX XXXX. 
Select Portfolio Services my loan on behalf of XXXX XXXX XXXX XXXX XXXX, as Indenture Trustee, for the benefit of the holders of the XXXX XXXX   XXXX XXXX XXXX Mortgage Backed Notes. 
I dispute the legitimacy of the XXXX XXXX XXXX XXXX XXXX Mortgage Backed Notes. 
I have asked Select Portfolio multiple times for information on this trust and have never gotten a straight answer describing or proving it's existence. This is unacceptable to me. 
I have fallen way behind on this mortgage payments mainly because there has always been an issue with the way this mortgage has been serviced. There have been many deceptive practices by Select Portfolio Servicing. 
They seem to be more intent on foreclosing on this property than giving me the answers I need to have confidence on where my money is actually going. At this point I would be blindly paying them just to keep my house from being foreclosed on. 
I have spoken to XXXX XXXX  and they can't even give me information on the trust.They tell me that it is XXXX XXXX who has the information on the trust ... I call them and nobody and can me anything about it. I talk to the folks at Select Portfolio and they know nothing as well. This is very odd to me. 
I want to settle this and get my mortgage back on track. I have the funds to get things back to where they should be I just need some clarity on where my funds are going. Thus should not be such an outrageous request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: CITIBANK, N.A.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have begin paying my Citibank student loan since XX/XX/XXXX, religiously. The only times I have ever missed a payment is if I was having financial difficulties or was ill. In XX/XX/XXXX, my account was closed and transferred to XXXX which is a XXXX extension and still under Citibank. How are they allowed to close accounts and move around under different shadow names without being noticed. The original loan amount was {$6400.00}. I have now Paid over twice the amount of the original loan plus XXXX extra. I have noticed that every 3 months they increased my interest rate by .25 %. Not only that, but I printed my account payment for XX/XX/XXXX from my online account portal for one amount in late XX/XX/XXXX after XXXX and I received my bill in the mail for same amount due on same date for a different amount. On my credit report they have placed remarks such as affected by natural disaster and I have never disclosed anything of that nature to them. I'm just at my wits end with what they are doing. I want to know if this is right and/or legal? It can't possibly be!!! It states on my credit report for this account that I'm in a repayment term of {$110.00} x 240 months which equals {$27000.00} for a {$6400.00} loan which equals XXXX times the amount borrowed. Furthermore, if I even called to ask for some sort of leeway, there was no compromise and always an excuse as to why I couldn't get an valid extension. I can not access my Citibank account whatsoever to print out all my prior payment information. I have done this on my XXXX account to investigate why have my loan really not done much going down. I have realized that not only are they increasing the interest every 3 months but they are also not applying all my payments to my Principal balance but instead are apply most of my payments to interest. Please help me figure this out, because this XX/XX/XXXX makes 8 years with no end in sight. I honestly feel like something is not right. I am disgusted and desperate. 

These are the actual payments made each year. I have proof of everything. 

Year. [ Actual Payment Due ] = Estimated Amts PAID XXXX XXXX XXXX & XXXX = XXXX XXXX XXXX XXXX & XXXX = XXXX XXXX XXXX XXXX & XXXX = XXXX XXXX XXXX XXXX & [ XXXX for late payment ] = XXXX XXXX XXXX XXXX = XXXX XXXX XXXX XXXX & XXXX = XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX = XXXX [ XXXX, XXXX, XXXX ] = XXXX All Extra Payments XX/XX/XXXX _ XXXX, XXXX, XXXX, XXXX = XXXX Total Paid. XXXX If there is any further information needed. I will be sure to send it over. 


PLEASE, PLEASE HELP!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
I started the process of buying a house by making an offer on XX/XX/2018. I told USAA over the phone my work history on the XX/XX/XXXX. I was told on the XX/XX/XXXX that I had to meet a deadline of the XX/XX/XXXX, which was to give them all the information that they needed. The date was bolded and highlighted. I emailed them my employment history again ( I had already given USAA this information twice before, once over the phone and once over email. I had asked to e-sign the initial disclosure on the XX/XX/XXXX to which I had never gotten an email reply. I had called multiple times on the XX/XX/XXXX and XX/XX/XXXX to ask if they had received everything. I left voice mails and never got a phone call back. I then learned that on the XX/XX/XXXX USAA sent an email ro my real estate agent, saying that I had started the loan process on the XX/XX/XXXX. I was furious at the effort of USAA. I am most upset that they would lie to my real estate agent about dates on which I started this process. I decided that USAA was not putting for their fair share of the agreement and decided to switch lenders. I then called USAA to ask for a refund on my appraisal fee, since the appraisal was non transferable. On XX/XX/XXXX I was told that is was USAA policy that it is non refundable. The next day I called to ask for clarification and was yelled at, they refused to answer any of my questions and ultimately was hung up on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation