BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 called and submitted numerous letter to correct my personal information to the credit bureaus. I also have certified mail receipts. I have old addresses on my credit report that I never lived at a day in my life. Also my name is not reported correctly and misspelled. I would like all addresses that do not belong to me deleted. I would also like my name reported correctly and all inaccurate names deleted. This is hindering my life in a major way and needs attentions ASAP. Thanks for your cooperation 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 2023-02-16
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:
This is my 6th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: CITIBANK, N.A.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received credits in excess of {$70000.00} from cancelled vacations to my XXXX  credit card account. 
On XX/XX/20 using online chat I requested that I be refunded the credit balance by way of a check. I was told to expect the check in 7-10 business days. 
On XX/XX/20, using online chat, I requested the status. I was told it was being reviewed. 
On XX/XX/20, using online chat, I requested the status. I was told that the refund had been approved on XX/XX/20 and to allow 7-10 business days to receive the refund. 
I also called to speak to an account specialist who told me that a check was being processed. 
On XX/XX/20, using online chat, I was told that a check was sent on XX/XX/20. 
It is now XX/XX/20 and I have still not received the refund. I did receive a letter today, dated XX/XX/20, from Citi saying that a refund check has been sent and I should receive it in 10-14 business days. If the check had been sent by the time that this letter was written, why will it take 10-14 business days to arrive? 
This credit had been in my account for some days before I requested the refund. Therefore Citi had confirmed that this was my money, in my account, i.e. it was genuine. 
Why then do they have to review whether I am entitled to a refund of my money and drag out that process for two weeks. If indeed a check was raised and sent on XX/XX/XXXX, why have I not received it when I have already received a letter dated XX/XX/XXXX? 
Clearly it appears to be Citi 's policy to hold on to monies as long as they can under the pretext of review, having to raise a check and the mailing process. 
It is totally unacceptable that Citi withholds a large sum of money belonging to me without cost or penalty. 
The interest rate on my account is 13.99 % APR. If I owe Citi any money, they will charge me interest. As they have withheld my money, they should therefore pay me interest at that same rate. To date, since the day I first requested the refund, interest amounts to {$700.00}, according to my calculation, and continuing to accrue.

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: Loan Cabin Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filed out the online application on loancabin.com in late XX/XX/XXXX. I was contacted by a Loan Cabin rep the next day and was told that a loan originator ( XXXX? ) would contact me shortly. In early XXXX, XXXX informed me ( via telehpone ) that I was pre qualified and I would receive my pre qualified letter shortly. The loancabin.com site does not have any way to upload documents, nor did XXXX ask me for any documents. I have never heard back from XXXX. I called Loan Cabin a few days later to get XXXX 's contact info ( XXXX ) and emailed him on XX/XX/XXXX. Still no response. 

I called Loan Cabin on XX/XX/XXXX and spoke with XXXX (? ) to file a complaint. She stated that she would contact XXXX to obtain an update or would find me another loan originator to work with. I still haven't received a response from Loan Cabin. I called and left a message on XX/XX/XXXX. I emailed their complaint department ( XXXX ) on XX/XX/XXXX. 

Loan Cabin has pulled my credit report. I need my application to be cancelled and to have my credit report inquiry to be retracted/deleted. 

Today is XX/XX/XXXX ... I still haven't received any response from Loan Cabin. 

--

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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 took out XXXX student loans with XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  and have not made any payments nor am I required to make payments until I am XXXX XXXX XXXX. I called XXXX and advised of the error of them showing me late ONLY 1 month and the remark for that XXXX month is showing late 90 days. There are no other months showing late so how could it be late 90 days. Also, I never paid any payment so how could you be reporting a late payment???? XXXX advised they dont show me late and I should talk to the credit reporting agencies to file a dispute. So the second thing I did was a dispute with all three credit reporting agencies. I asked to have all XXXX accounts removed since they are violating by reporting inaccurate information and in violation of FCRA for also not sending me proof of verification as I requested. So I am now making a complaint. 

I would like all XXXX loans on each credit report removed for reporting inaccuracies. On all three of my credit reports they are showing the following errors for each loan : XXXX. XXXX section shows each loan late XXXX days XXXX. There is only 1 month with a red X that represents XXXX late payment in XXXX of 2020 so how is the loan XXXX days late. 
XXXX. They should not be reporting any late payments at all because XXXX not done with school. 
XXXX. Each loan is on my credit reports are reporting XXXX different balances XXXX # XXXX is reporting highest balance of {$3500.00} and its showing reporting balance {$3600.00}. 

Loan # XXXX is reporting highest balance of {$3000.00} and its showing reporting balance {$3300.00} XXXX # XXXX is reporting highest balance of {$1700.00} and reporting balance of {$1800.00} XXXX # XXXX is reporting highest balance of {$520.00} and reporting balance of {$570.00}. 

XXXX. Its showing XXXX of the loans as closed which caused my XXXX XXXX to drop. Also, they are reporting payment status every month and paid amount says {$0.00} for each loan.

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 2019-06-01
Company: SYNCHRONY FINANCIAL
State: GA
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:
1 ) Submitted dispute to all three reporting agencies in XX/XX/2019 regarding Syncb ( Synchrony Bank/Paypal ) 2 ) The company, Syncb verified as reporting correct 3 ) Contacted Syncb directly XX/XX/2019 ( certified mail ) to investigate incorrect reporting info ( re-ageing account ) ( pay history ) 4 )  Contacted Syncb directly at different address per credit reporting address on XX/XX/2019 ( certified mail ) 5 ) Received response from Syncb advising sold account to XXXX XXXX, they did not address dispute issue ( re-ageing ) ( pay history ) 6 ) Submitted letter to Syncb XX/XX/2019 ( certified mail ) disputing account after dispute findings per FCRA 7 ) Syncb replied with letter dated XX/XX/2019 to contact XXXX XXXX 8 ) Sent reply letter XX/XX/2019 ( certified mail ) intent to sue letter

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 2020-07-24
Company: Experian Information Solutions Inc.
State: SC
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2021-11-01
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I put in a dispute in XXXX for my refund of {$1800.00} from chime. They refused to do so, information was even changed on my account. I need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2019-06-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2019 I started receiving codes with numbers to access my account. I was not trying to access my account. I called Chase Banks customer service number and they asked me which checking account number? I only have one checking account with Chase Bank. It ends XXXX. Someone had opened a new account in my name. The bank had locked me out of my own account online. Then Chase bank tells me someone disputed legitimate items I had paid like my XXXX Car insurance. I made that transaction. I went into the branch in & spoke with XXXX. The fraud department told me I would need to do this. I did. XXXX assured me XXXX would get there money. She told us she closed the other 2 accounts and opened a 3 new account. Now my Chase sends me two new debit cards ( I should only have one ) one of the debits cards was already activated when we called the number on the card. Our car insurance is now being cancelled. Who knows where my money that I paid XXXX is. My social security payment is missing. I want my social security money that Chase assured me would be safe. If Chase is going to continue to fraudulently open under my name I demand that everything be closed in my name and my money returned. This is ridiculous. We have also received two new debit cards in the mail. 2 more  account numbers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-09
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
See complaint # XXXX. The issue discussed in that complaint is not resolved. In a letter dated XX/XX/XXXX, Barclaycard responded to my complaint, informing me of a statement credit dated XXXXXX/XX/XXXX. The value of that credit, however, was only 50 % of two of my five qualifying onboard purchases. No credit was provided or has since been provided for my qualifying onboard purchases appearing on the statements that closed on XX/XX/XXXX and XX/XX/XXXX. Accordingly, despite the XX/XX/XXXX, credit, Barclaycard still has refused to provide the advertised benefits in the Business Card Agreement.

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 2021-11-01
Company: AmeriHome Mortgage Company, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
AmeriHome Mortgage sent me XXXX Loan Statement, which I paid, and then transferred my loan to XXXX, also effective XX/XX/XXXX. By doing so, AmeriHome created a situation that forced me to pay my XXXX payment twice, but only get credit for it once. AmeriHome is now retaining that last payment, while refusing to provide my payment history. 

This situation was caused largely by AmeriHome sending my XXXX statement too early. It was dated XX/XX/2021. I paid the full XXXX payment online and received a confirmation number. The very next day, I received a notice by regular mail that my mortgage had been transferred to XXXX Mortgage, effective XX/XX/2021. 

When my XXXX mortgage statement arrived, it was also for the month of XXXX. It did not reflect the XXXX payment that I had already made to AmeriHome. It shows the exact same principal balance, as if the last payment to AmeriHome was not made. But, it was made and I have the confirmation number. 

I contacted both companies. XXXX indicates that they are working off of the information they got from AmeriHome. That makes sense because I received the XX/XX/XXXX AmeriHome statement just one day before the notice of the transfer to XXXX. 

When I spoke to the AmeriHome representative on the phone, she acknowledged that my payment was received, but she says it must have been applied to a prior month. This suggestion is inconsistent with the statement balance : the AmeriHome XXXX statement ( dated XX/XX/XXXX ) reflects the principal balance that matches my first XXXX statement balance. There is no way that AmeriHome applied my last payment correctly. They just kept the money. Also, it does not match my own payment records or the statement I was sent, so I asked AmeriHome to provide a payment history. 

That was three weeks ago, and AmeriHome has failed or refused to provide it. When they provide it, it will not support their position. AmeriHome owes me that payment. AmeriHome also deactivated my online account when they transferred the servicing of my mortgage to XXXX, so I can not get access to my payment history there. 

Because I did not want this to affect my credit, I was forced to make the XXXX payment again, but the second time to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Charlottesville Bureau of Credits, Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was originally contacted by collection agency in XX/XX/XXXX for a debt that I did not recognize, and agency threatened to report it on my credit. I requested validation of the debt and received back from them information about an XXXX  XXXX my adult daughter had. My adult daughter had XXXX insurance under my name. I was listed as who the insurance information is under. I was not the patient. I did not agree to pay for the patient. I did not sign the financial agreement. The copy they sent me was signed by the patient, not me. I returned the documents to them pointing out I was not the patient, the insurance information is under my name and that I did not agree to pay for the patient, nor did I sign the financial agreement they enclosed a copy of. I never heard back from them again. I received a notification that my credit score dropped in XX/XX/XXXX and I requested a copy of my credit report and found the collection agency is reporting this debt as a collection record against MY credit. I immediately disputed to all 3 bureaus. The collection agency falsely confirmed to all 3 that it is indeed MY debt! I also wrote to the collection agency at the address listed on the credit bureau and received my letter returned not deliverable as addressed. They are ruining my good credit and my job could be jeopardized by my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: AmeriHome Mortgage Company, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a mortgage loan on XX/XX/XXXX with XXXX XXXX XXXX. my mortgage loan was transferred to AmeriHome mortgage by the original loan originator in XX/XX/XXXX. The original loan was for {$240000.00} on a 30-year basis at an interest rate of 5.75 %. 

I aggressivly made prepayments to reduce the principal amount before the transfer and after the transfer. AmeriHome consistently misapplied these payments as future payments against interest, as opposed to against principal. When I contacted them numerous times by phone to complain, they applied the amounts against principal, but treated them paid against principal on the date of recharcterization as opposed to the date received. As a result, I paid approximately {$500.00} more in interest payments than I would have if they applied the prepaid amounts as of the date actually received. 

To avoid further overcharging, I paid off the remaining balance of the mortgage in its entirety in the amount of {$180000.00} on XX/XX/XXXX, and wrote to AmeriHome that day via email to request they research the overcharges for interest, correct the record to apply prepayments of principal as of the date actually received, and refund interest improperly charged. I have received no response. 

AmeriHome 's records confusing as a result of their misapplication of funds and recharacterization on different dates, making it very difficult for consumers to understand what they are doing. A single prepayment can thus have two or three entries. Even their own customer service staff have difficulty understanding the history due to their records. The accounting problem hides the overcharges, especially for consumers who are not adept at reading accounting statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a consumer protection and an Identity Theft report. ( See attached reports. ) I did not authorize these fraudulent accounts. I have also provided you with copies of my social, current and past address and license.

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 2018-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My problem is with the credit reporting agences, like Equifax, refusing to update my employment status to " XXXX ''. I have been XXXX  for three years now. I am not employed and have not been employed  since XXXX. And have not owned " XXXX XXXX '' since XXXX : Erroneous information still persists on all of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
Company: U.S. BANCORP
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been having a hold on my usbank reliacard Since XX/XX/2020 I have called severally all I keep getting is the same answer in different ways I was told to fax my document to a fax number which I have done upto 5 times with no response from them I have my reliacard on hold I need help for them to remove my account From hold so as to be able to access my fund I never got no email back each time I try to talk to a representative I spend my whole day at home trying to make this call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: IL
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:
XXXX  UNAUTHORIZED INQUIRIES: 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 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 UNAUTHORIZED INQUIRIES: 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