BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: VA
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 reached out to Equifax since XX/XX/2021. I have submitted my Identity Theft report 7 times and nothing has been updated on my report. I submitted disputes about inaccurate information on my report several times since XX/XX/2021, and nothing has changed. The credit bureau keeps stating the information was accurate. I submitted a debt validation letter requesting original contracts and proof they verified the information with these reporting agencies and companies and nothing has been sent but a letter saying they are accurate, but zero proof. My most recent letters were sent on XX/XX/2021, XX/XX/2021 and XX/XX/2021. I am aware they have 15 days from submission to provide proof of contracts and debt validation, and they have failed to do so. I have sent proof of address, as requested and addresses are still not updated on file either. I have called several times and nothing has taken place. This company has tried to delay and stall the process by asking me to resend verification documents of my identity. I have sent a copy of my US Passport, Social Security card and a current utility bill with every dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: JPMORGAN CHASE & CO.
State: NH
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I just received an Amazon.com Rewards credit card from Chase bank with my name on it without ever applying, authorizing or in any form requesting this account from anyone. 

I called the number in the back of that credit card and asked them to cancel it and they argue that they can only temporarily cancelled. 

I have other account with Chase and also an account with amazon.com so I am suspecting that any of this two companies might have taken my personal information from such accounts to created this new credit card account. This situation seems to me an obvious fraud that a financial institution or a public company take our personal information and create accounts without the customer 's consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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 XX/XX/XXXX, I ordered a purse from saks.com ( Saks Fifth Avenue ) and paid for it with my Saks store credit card issued by Capital XXXX. It was order # XXXX. The total purchase was {$390.00}. The purse arrived two days later and I immediately decided to return it- it was not quite what I had expected. I returned it exactly according to Saks procedure, and my account indicated several days later that the return had been received. To date, despite many, many, many phone calls and emails to both Saks and Capital One, I have not been issued a credit. I have received verbal and written apologies for the delay and assurances that the credit would be posted, but there is still no credit. Since the beginning of the pandemic, this is not the first time that I have experienced unreasonable delays in receiving credit from Saks for items purchased on line and then returned. It seems they are trying very hard to hold onto my money as long as possible, but two months and two billing cycles is inexcusable. And I STILL do not have my credit. Anything you can do to help me would be deeply appreciated. And if you choose to publish this information, I would certainly be OK with that because Saks needs to know that customers find this practice completely and utterly unacceptable and unethical. I am attaching a copy of an email from Saks on XX/XX/XXXX indicating that they are sorry for the delay and that a credit would be posted. I received my newest statement from Capital One on XX/XX/XXXX. There was no credit. I called Capital One and they said to wait a week to see if the credit would be posted. It has now been ten more days, still no credit. Meanwhile, I am making only minimum payments on this card because I truly do NOT owe anything to Saks. So now I am incurring interest on the amount due, which I think Saks should reimburse me for as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: EQUIFAX, INC.
State: MO
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. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX- Fradulant XXXX XXXX- Fradulant XXXX XXXX XXXX Fradulant XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fradulant XXXX XXXX-Fradulant XXXX  XXXX XXXX  XXXX Fradulant XXXX  XXXX XXXX- Fradulant XXXX  XXXX Fradulant  XXXX XXXX XXXX- Fradulant XXXX XXXX Fradulant XXXX XXXX XXXX Fradulant

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: MIDFIRST BANK
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Midland Mortgage was sent a payment by wire transfer of XXXX on XX/XX/2022 for XX/XX/2022 payment to cover check that was returned due to having fraud on bank account. I contacted Midland to confirm receipt on XX/XX/2022 and was told it was received and applied. After the XXXX of XXXX I received notice payment was not received which prompted immediate contact to XXXX to find payment. Every department I was connected to couldnt give correct information, this continued from XX/XX/2022 to date XX/XX/2022 contacting their, customer service department, XXXX XXXX department, XXXX department, XXXX department, XXXX times weekly I made multiple attempts to rectify the issue with no resolve and being told XXXX receive a call the end of the week or to call back. I continued to make on time payments which are being posted as late payments leaving the account delinquent. I provided Midland Mortgage with copies of successful and received payments to Midland Mortgage from my bank. Ive wrote the Vice President of Midland Mortgage a complaint, I put in an additional request once uncovering that the payment was in error being split between unapplied funds and escrow notifying them they made an error and it needed to be reversed, I called back for XXXX weeks the request hadnt been processed, I called back the XXXX week only to be told the request was completed however that was false information and the account wasnt bought current, with no justification as to why and wanted to resubmit another request after asking numerous times to speak to a supervisor I was placed on hold for over an hour by XXXX, then spoke to XXXX ( XXXX ) who identified herself as a supervisor who stated I have no idea why this wasnt complete properly, I would need to do some research, and have someone contact you by Friday XX/XX/2022, I replied XXXX contacting the CFPB this has gone on long enough.

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 2021-09-27
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The original creditor Santander Consumer USA referred me to their collection company called XXXX XXXX XXXX and I informed them the account was never set up in my name nor had I any acknowledgment of this vehicle loan as a co signer or owner period. I asked them to have this removed from my credit report due to the fraudulent information the company stated they would however my credit score reflects that the company has not removed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: Platinum Holdings Group, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Caller calls my phone, family members phones, and my employer, even though they have been warned to stop calling because it is harrassment. They do not provide any proof of the debt, nor do they give any information about it. STOP CALLING and send original debt information to prove it is valid ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My identity is compromised and I have been trying to have the listed accounts deleted and blocked from my credit report for months. I have attached the proof showing transactions that were not mine. These accounts are preventing from moving forward and need to have them deleted 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 2020-04-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, CFPB. I am sending the attached correspondence to American Express. This company has committed multiple violations to the Fair Credit Reporting Act.

Some of the violations : 1. Inconsistent credit report.

2. Reporting incomplete information Please send the attached documents to American Express. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: AES/PHEAA
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Once I paid off all my student loans through fedloanservicing, I am unable to review any of my loan history - I can't see payment history, capitalizations, interest accruals, nothing. 

Since XXXX, I have sent countless messages through their online system, I have called, I have gone through other avenues for them to send me my full account history since it all of a sudden disappeared once my loans were paid off. 

I never got a message back - just an automated email telling me I can find that information through the portal. No. No I can not. It is unavailable because I paid the loans off. 

When I called, I was advised they would be sent to me via mail. They were never sent to me via mail. 

I have been waiting since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20
Company: EQUIFAX, INC.
State: AR
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 was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: CITIBANK, N.A.
State: NJ
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:
I ordered two hairpieces from a XXXX distributor advertising on XXXX. 
The photos and ads were economically appealing since I suffer from XXXX, I placed the order and when they arrived I was horrified. The hair was literally fall out of these two hairpiece units. 
I can't run a brush through the wigs without clumps of hair coming out. 
After many emails they finally agreed for me to return. Return fee is XXXX USD via USPS, those wigs are not worth returning them. 
I called Citigroup the financial establishment that the charge was made to on my credit card, they credited the amount back to my account and in a couple of days they denied the credit and paid the seller. They are terrible quality and I would not even donate them to the XXXX XXXX. They since disappeared from XXXX and may be going under a different name. I don't beleive that Citigroup even attempted to investigate the dispute in a thorough or professional manner. 
It is a small fee but it was clearly a scam and thanks to the bank they were able to keep my money. Yes definetly publish this, I know others were probably scammed also. 
I assumed banks protected the consumers.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 filled a dispute with XXXX and was unable to get XXXXXXXX XXXX # XXXX removed from my credit report 1.This account was included in my bankruptcy 2.The account was paid in full before I filled bankruptcy I would like to have this account Removed Or be paid {$1000.00} for having my right to privacy violated because I did not give consent to have my information shared

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 2015-08-07
Company: RUOFF MORTGAGE
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Told clear to close would be signed off next morning, closing Friday XX/XX/XXXX, closing set, then loan denied abruptly. No further communication. We received a pre-approval in XX/XX/XXXX by company system, turned in all documentation to them. As with every mortgage process knew additional documentation would be required. It was a tough journey, ( we were asked for additional items by underwriter such as son 's marriage certificate, copy of wedding invitation, my college transcripts and additional XXXX for reserve funds to be wired to title company, and were treated as though we were criminals and lying about original documentation turned in. They finally said they received all they needed and took many days/weeks to go over everything with a fine tooth comb as expected for circumstances involved. After much stress and financial burden as we were not able to touch our checking account due to funds always being verified for closing, finally told on XX/XX/XXXX by upper management not to worry, loan would get closed by end of week. Scheduled day off from work. On XX/XX/XXXX called and told the loan was being manually approved and signed off on and we would be closing the next day. Confirmed again morning of XX/XX/XXXX would try and get closed that afternoon but would probably be Monday XX/XX/XXXX. At XXXX received call from realtor that they had fired our loan officer, he was told not have further contact with us and manager would take over loan. We were never told any of this by Ruoff Home Mortgage. Obviously, XXXX was at fault or why would they fire the loan officer who was the only person of integrity over there and tell him not to have further contact. After calls to several upper management and President of company, none of which were returned, finally reached Manager of branch who rudely and abruptly informed me loan was dead. No contact since. On website that they told us to follow closely our loan showed clear to close. Checked again XX/XX/XXXX and loan still showed Initial Underwriting Approval. Still no contact from anyone at Ruoff. On Monday following week received call with completely different explanation why loan did n't close due to us having moved into property per seller agreement due to our home being rented. This was an extremely stressful rollercoaster situation for ourselves and children, we lost money from ending our lease early, as well as having to account for everything that went in and out of our checking account, obtaining insurance, etc. We have supporting website documentation as well as an email forwarded to us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2020-10-06
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Regional Acceptance Corp reported to XXXX  and XXXX  that I missed my XXXX car payment. 10x I called them n everytime I asked for supervisor I was hung up on.

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 2020-04-04
Company: EQUIFAX, INC.
State: NC
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:
This happens EVERY TIME and I am sick of it! I carefully type in all my information and correctly answer their questions, but they refuse to give me my reports. 

Equifax says they can not provide my report online, to send in a copy of my Social Security card and drivers license through the mail. 

XXXX  says " a condition exists '' that prevents them from being able to accept my request, and to contact them through the mail. 

XXXX NO I'm not doing that! YEAR AFTER YEAR AFTER YEAR I get these XXXX messages and I'm not tolerating it anymore! I am NOT going to risk my personal information getting lost or misdirected in the mail. This is XXXX, not XXXX! Given the EXACT SAME information, XXXX  gave me my report online just fine. If they can do it, so can the other two!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: MONEY SOURCE, INC., THE
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My house burnt down in XX/XX/2019. The insurance company only wanted to pay out half of the claim XXXX months ago I hired an attorney to get me the other half of my claim which he did now the rest of the funds are locked up between the attorney and the mortgage company the mortgage company is refusing to pay the attorney the attorney is refusing to release the funds unless he gets paid can not after weeks of trying get the two of them to agree. My temporary housing is only paid till the end of XXXX it was supposed to be paid to XXXX those funds are also locked up in this dispute so I family of XXXX will be XXXX at the end of the month if I can get these companies to agree so we can get her money and I can finish rebuilding my house

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I have a mortgage on our home that is serviced by Wells Fargo. The last home appraisal on our house, that was done at the time we re-financed through Wells Fargo, was {$240000.00}. On my XX/XX/XXXX statement, it shows that we have paid that down to {$190000.00} which is over 80 % LTV. So I called Wells Fargo to ask them to remove the PMI charges from my mortgage payment. I was told that I would either have to pay for an appraisal, or pay an additional amount over {$3000.00} in order to bring out LTV ratio up even more and then they would drop our PMI charges. The Homeowner Protection Act XX/XX/XXXX states that I should be able to call the company when I have paid more than 20 % of the equity in my home and the company is then obligated to remove the PMI charge. When I asked to speak to management and brought this up, I got a serious run-around. Then they told me that it could probably be removed, but that they would have to escalate it to some other department at Wells Fargo. When I asked how long that would take, they said it would take 10 days. So I told them I would call the XXXX Consumer Protection Agency the next day, and then they told me that they would get back to me within 48 hours instead of 10 days. This conversation between me and the people I spoke to at Wells Fargo happened less than an hour ago, but I am filing this complaint anyway since I feel this is against the law, and another example of big bank fraudulent activity and abuse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: WESTERN UNION COMPANY, THE
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello, I'm filling this complaint against Western Union. On XX/XX/2021 I received two confirmation emails from Western Union that my online transfers were successful. I was shocked and flabbergasted since I did not authorize any such transactions. There were specifically two transactions : one transaction for {$990.00} and another transaction for {$650.00} totaling {$1600.00}. The transactions were sent within minutes from each other and sent to the same person and location in XXXX, XXXX XXXX. I promptly called Western Union to inform that I never initiated the transactions. I was informed by Western Union that since the money had already been picked up there was nothing they could do. They simply gave me some useless reference number from Western Union and advised me to contact local law enforcement. In essence Western Union through neglect, complicity or poor oversight transferred {$1600.00} from my checking account at XXXX XXXX to unknown parties in XXXX. I demanded that they refund me my money and they refused to do so and kept telling me that they were not a bank and are simply a money transfer service and that therefore they were not responsible for these kinds of issues especially when the money was already picked up. I find this totally unacceptable and dishonest. How can Western Union illegally transfer money from my account to criminals or maybe their own employees and claim immunity from this? Although I was refunded through my bank ( XXXX XXXX ) I still feel obligated to denounce these types of dishonest, abusive and criminal business tactics. Please do everything you can to investigate this matter. It looks like Western Union has been conducting these types of disgraceful activities for too long and they need to be held accountable for their actions. Thank you.

Company response to consumer: Closed with explanation