BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I made an on time payment by due date and then paid in full the account balance 4 days after due date and Citibank is rolling the balance that has been paid in full over to the next month when in fact it should have been reported to the credit bureau 's the account was paid in full. There was plenty of time before the next month to report it was paid in full I called citi bank and they refuse to acknowledge the paid in full account and refused to report the correct amount to credit bureau which in turn hurts my credit citibank has no problem reporting account balances or missed payments right away but an account paid in full takes months to report this is unfair business practices by big banks that needs to be corrected. They should be ecstatic when one of their customers actually pays their account off it should be celebrated by the banks that they have a responsible customer who actually did the right thing and not filed bankruptcy and they shouldn't charge interest on accounts paid in full like citibank rolling the balance over to next month and charging interest when balance was paid in full 4 days after due date.

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 2022-02-16
Company: Reliant Capital Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
These companies constantly have been calling when I do not have the fund to pay at this present time. Which I am going thru a bankruptcy and everything is taken time. But these companies keep calling threating me regarding making payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-02
Company: EQUIFAX, INC.
State: NJ
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 am a victim of identity theft There has been a breach of my personal information as : A credit card account, multiple cell phone accounts, an installment loan, and credit inquiries have been placed on my credit reports and has ruined my reputation with certain businesses. 

I 'm formally requesting for it all to be removed immediately from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I've sent multiple requests to Venmo starting on XX/XX/XXXX regarding them freezing my account. No communication has been received regarding any of my tickets nor the reason on why they froze my account. I've attempted to call customer service and they have failed to help in any way and have stated they need to forward this problem to another representative. As of now, the funds in my account are inaccessible and I can no longer receive or request money on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-21
Company: Riverwalk Financial Corporation
State: NC
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:
Deville asset management company is currently showing on my credit report. I have never been contacted by this company either by phone or mail in any attempt to collect a debt. This company is not licensed in the state of North Carolina to collect a debt. I 've tried to contact this company with no response. I would like this company removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX, 2017 I called capital one credit card regarding a purchase from XXXX furniture store in XXXX XXXX Texas, I tried to work out the dispute with merchant on faulty item I was sold but the merchant refused to work with me. I file a disputed with capital one regarding this item, being faulty them the merchant agreed in text messages to take back the item I returned the item and the merchant refused to give me a refund. I advised capital one what happened I was told to get a police report and I did. The merchant told me the item is Arkansas. Now capital one wants to continue charging me {$1000.00}. I still have n't received any mail regarding the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
The property is located at XXXX XXXX XXXX. XXXX . XXXX XXXX, New York XXXX. The property went through mortgage foreclosure from XXXX to XXXX XXXX XXXX XXXX vs. XXXX XXXX . The property was also going through a foreclosure lien XXXX XXXX XXXX from XXXX to XXXX. The sworn affidavits presented to the court confirming that the tenant in occupancy had been served were false documents. XXXX XXXX XXXX Housing Authority allowed the Section 8 rental payments to be used to represent the tenants listed in the fake affidavit, and to hide my tenancy from the record to keep this apartment from being recorded as rent stabilized. I filed a XXXX  complaint against XXXX XXXX XXXX notifying them that the mortgage was in default upon XXXX XXXX death and they transferred the mortgage loan to Rushmore Loan Management, but with out a record of the rental income ; which should've been listed during the mortgage and the lien foreclosure. Now the mortgage loan is in XXXX XXXX XXXX and the account is delinquent since XX/XX/XXXX to the present. I've been 1 year and 6 months without a landlord, and the XXXX XXXX XXXX Board has refused to comply with XXXX Administrative Code 11-243 and to enforce NYPAL 2429- Rental on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: MA
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:
Ok this is XXXX XXXX and this is a amendment to the earlier complaint XXXX OK you ask For additional information on who the complaint was for ok all three Credit bureau 's ok you asked for there address ok XXXX XXXX XXXX. XXXX XXXX XXXX Pa XXXX XXXX XXXX. Equifax XXXX. XXXX XXXX XXXX Ga XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX .... These are the companies that are in violation and they won't take these inquiries off my personal credit report. For inquiries where are you from business Credit cards they do not have nothing to do with my personal credit. I want these four inquiries for business taking off my personal credit report. There are more inquiries on my credit report that I am disputing that I don't have any knowledge of. So I'm just responding to your request you said I had 24 hours to respond I'm doing just that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/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 XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Experian Information Solutions Inc.
State: MA
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:
Ok this is XXXX XXXX and this is a amendment to the earlier complaint XXXX OK you ask For additional information on who the complaint was for ok all three Credit bureau 's ok you asked for there address ok XXXX XXXX XXXX. XXXX XXXX XXXX Pa XXXX ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Ga XXXX ( XXXX. Experian XXXX XXXX XXXX XXXX Tx XXXX ( XXXX .... These are the companies that are in violation and they won't take these inquiries off my personal credit report. For inquiries where are you from business Credit cards they do not have nothing to do with my personal credit. I want these four inquiries for business taking off my personal credit report. There are more inquiries on my credit report that I am disputing that I don't have any knowledge of. So I'm just responding to your request you said I had 24 hours to respond I'm doing just that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I overpaid my mortgage on XXXX and XXXX. the payment on XXXX was in the amount of XXXX and overpayment of XXXX. I also made a second payment of XXXX on XXXX. I contacted my bank XXXX on the XXXX asking the the second payment be reversed since it was an electronic payment and would not be posted until the XXXX. XXXX told me they could not do that and to contact my mortgage company Santander. I went to santander branch on XXXX XXXX and asked for the payment to be sent back. they placed a request. On XXXX I called santander because my payment was not reversed they said it had to go through the back office and may take 10 business days.I spoke with the morthage company again on XXXX as they called me and they requested that I send them a copy of my bank statement showing the funds had been removed from my account. I faxed a letter with a copy of my account statement showing the funds were indeed removed. I asked why they needed that since they had my money in hand. I called santander again on XXXX and they are now requesting a letter from XXXX stating that they submitted the XXXX payments and that they will honor both payments and to please refund me my money back to my account. Santander said they do n't want the check to stop payment. I told them it was electronic and not a check. I am still waiting for my money I overpaid. My XXXX mortage payment is not due till XXXX well beyond this 10 day waiting period so they should not be worried about the funds not being honored. They have my money and I am in my legal rights to have it returned back to me as quickly as it was taken electronically.

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 2022-02-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have some information reporting to my credit report that is invalid! Some doesn't belong by to be and the other is not reporting correct! I have listed all details below 1 ) XXXX  Account # XXXX Opened XX/XX/XXXX Highest balance {$19000.00} Balance {$12000.00} During XXXX, and the pandemic I had some lates on my car payment, I called them and made arrangements to have them work with me and they advised they would and did and that to us wouldn't effect my credit negatively. Well below are all the dates I was reporting late and since they told me it wouldn't be reporting I feel like it shouldn't XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 30 days late reporting XX/XX/XXXX 30 days late reporting This account below is an account I paid off, it has derogatory payment history and I paid this account on time and paid it off! 
XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$0.00} These accounts below do not belong by to me 1 ) XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$210.00} XXXX ) XXXX XXXX Account # XXXX Opened date XX/XX/XXXX Amount {$170.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX ) XXXX  Account # XXXX Opened date XX/XX/XXXX Balance {$850.00} XXXX ) XXXX XXXX XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
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 accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-07-07
Company: EQUIFAX, INC.
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 accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX, Account # XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a XXXX XXXX XXXX account in XX/XX/XXXX. The account came with a promo code which I applied. The promo code is XXXX. The promotion that came with the promo code was for {$200.00} if I deposit {$10000.00} or more by XXXX XXXX, 2017. I met those terms. XXXX XXXX XXXX will not issue the {$200.00} that I am owed now. I want my {$200.00} as I have met the terms of the bonus and have waited a substantial amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Experian Information Solutions Inc.
State: RI
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 credit reports were fine up to about 1 yr ago when all of a sudden a XXXX XXXX charge showed up stating that I owed them {$2600.00}. I never had a credit card with XXXX XXXX XXXX that ever had such a high limit. I had smaller ones and they were all in force around the same time and all paid off. when I put a dispute in I never got anyting. how can they just let something appear on the report, no record of payments no record of charges nothing just an I owe them this money. I have tried to dispute with XXXX XXXX and all I got was a collection letter. this is really hurting my credit all reports. its not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 credit reports were fine up to about 1 yr ago when all of a sudden a XXXX XXXX charge showed up stating that I owed them {$2600.00}. I never had a credit card with XXXX XXXX XXXX that ever had such a high limit. I had smaller ones and they were all in force around the same time and all paid off. when I put a dispute in I never got anyting. how can they just let something appear on the report, no record of payments no record of charges nothing just an I owe them this money. I have tried to dispute with XXXX XXXX and all I got was a collection letter. this is really hurting my credit all reports. its not mine.

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 2022-07-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021, XXXX XXXX XXXX, Account # ( XXXX ) added a derogatory mark on my credit report per Experian credit monitoring service. Upon, further research, this account was transferred/sold by the original debtor, and I am not responsible for the account. Debtors ' creditor did not verify this collection and the information contained as accurate. Also, there was NO written form of communication, contract or signature for this accused debt. A bill without a signature does not validate the debt and the information contained within this collections account contains false/inaccurate information, which has been furnished too the credit bureaus illegally. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm 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 2022-02-16
Company: Experian Information Solutions Inc.
State: CA
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2017-08-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been paying off XXXX credit card ending XXXX last week since I am in the process of refinancing my mortgage. But credit Bureaus are not reflecting this paid off. I want credit bureaus to update my credit profile ASAP since it impacts my interest rate. I have attached the proof.

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 2022-07-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I make a wire transfer to an account provided by my real estate to chase bank but the account was not from chase was a different bank my bank requested the money back XXXX but Chase dont send the money back is over 1 month and dont get why the said that I need to contact the owner of the account and ask him or her to please tell chase to sand the money back buy chase dont Kip me information to contact that person

Company response to consumer: Closed with explanation