BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-24
Company: EQUIFAX, INC.
State: NY
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:
Hi, for the past 6 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 



1. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balnce XXXX Reporting on : Equifax XXXX and XXXX. I was NEVER late on this account please remove this negative information from my credit report 2. Account Name : XXXX  XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Reporting on : XXXX and XXXX. I have no financial obligation with your company please delete this information from all credit reports like Equifax has done 3. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  and XXXX. I have no financial obligation with your company please delete this information from all credit reports like Equifax has done 4. Account Name : Unknown Collection Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX, Equifax, XXXX XXXX I have no financial obligation with your company please delete this information from all credit reports 5. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  and XXXX  I have no financial obligation with your company please delete this information from all credit reports like Equifax has done. 


5. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX, Equifax and XXXX. I have no financial obligation with your company please delete this information from all credit reports.

5. Account Name : XXXX XXXX LP Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  I have no financial obligation with your company please delete this information from all credit reports like Equifax and XXXX have done, for thsi account is and never has been mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Square Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I received a direct deposit of my federal tax return on XX/XX/2021. On a cash app card and the app on phone i had just opened. Cash app through emails are saying they did not receive or reject this amount of money on my card or account number. XXXX dolars was the smount. I do not owe taxes, have a off set, or child support. This was for a recory of the 2 stimulus payments that went out. They have no answer for me and federal government is saying they deposited these funds. XXXX is who was emailing me. With no answer. Also checked return bank info was correct

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: CITIBANK, N.A.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My card was locked and flagged for fraud due to calling in and trying to figure out how to set up a pin after I was not able to withdraw cash from an ATM with what I thought was my pin set up during activation. 

I was then on the phone for over an hour on XXXX XX/XX/2022 to unlock my card ( which was a mess in itself : citi on my home phone, dad on the cell through XXXX ), I was told the card was unlocked and was good to use again. On XXXX XX/XX/2022 I tried making a purchase and was denied again and was told to call Citibank. 

I am a U.S. Service Member XXXX XXXX XXXX XXXX XXXX  The first time I was able to unlock my card, I had to have citi send a verification pin to my father ( whos number has never even been associated with my account ) who is in XXXX XXXXXXXX who then relayed it to me. I cant do that every time and I dont have access to XXXX XXXXXXXX XXXX ( for example the most recent denial was at around XXXX XXXX XXXX XXXX XXXX XXXXXXXX, calling someone in XXXX  XXXX XXXX relay a verification PIN at XXXX in the morning is ludicrous ). Smaller banks than citi have figured out how to text verification codes to my XXXX number, I am baffled that citi doesnt also have such a service. I get it that citi has ~ $ XXXX net worth, but to complete refuse to service a select group, such as XXXX citizens XXXX  with no/extremely complicated or limited access ( through a family member or friend ) to a XXXX number , is crazy to me. 

Likewise, the solution of mailing the verification pin is not reasonable because the military mail system ( run through USPS ) takes exponentially longer than mailing in XXXX  XXXX. 

I am stationed in XXXX due to my service in the XXXX. I will be using my card around XXXX ( for at least the next XXXX years - unless I cancel because of this rigmarole ) and cant continue getting denied every time. 

This most recent denial ( XXXX XXXX ) resulted in an email being sent to me asking if it was my activity or not - to which I answered yes and then tried reprocessing. It was still denied after the citi website said I was cleared to re-process the payment Citibank either needs to figure out how to not lock my card unless I ask for it, or how to verify with numbers outside of XXXX XXXXXXXX this is ridiculous.

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 2020-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My Identity was stolen and fraudulent accounts were opened in my name with my social security number. Because of the fraudulent information on my account XXXX  and Transunion will not verify my identity and won't provide me a solution to how I can access my credit report to dispute the 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 explanation
Consumer complaint received 2021-01-20
Company: Experian Information Solutions 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:
Please investigate and delete disputed account XXXX XXXX XXXX # XXXX due to the following inaccuracies highlighted in the attached copy : 1. Last payment date of XX/XX/XXXX doesnt match Date Closed XX/XX/XXXX. Why would the alleged last payment be made 6 months after alleged close date? 
2. The is no payment history reported prior to XX/XX/XXXX which makes it impossible to verify the accuracy the estimated date that the item will be removed.

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 2020-03-24
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt with Transworld Systems multiple times dating back to XX/XX/2019 and the company has not received correspondence from the residential community claiming I owe this balance. They have been given more than enough time to prove I owe this debt and I have received no response. The account remains on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Law Offices of Robert J. Colclough, III
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:
XX/XX/2014 i was in XXXX  for a few days at the time this account had been opened, i spoken with the creditor and debt collectors along side with XXXX, XXXX and FTC. I'm dealing with different kinds of stolen identity issues and this is one of them i have not had the chance to verify my identity until i had spoken to the IRS regarding other issues including this one. i have followed the right steps, credit freeze etc. 




this document is my past of XXXX time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: PMAB,LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am receiving no less th an 3 to 4 calls a day from PMAB, who  claim that I owe money for a hospital bill form 4 years ago, that has been paid. I have even sent them a copy of the paid bill, and a copy of the deletion letter they sent to me and the credit bureaus to remove the old debt form my reports. NO DICE. They keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently applied and closed a refinance mortgage for the amount of {$450000.00} from Rocket Mortgage by Quicken Loans. {$320000.00} paid off the balance of my previous home mortgage and I was supposed to receive the disbursement amount of {$100000.00} after closing on XX/XX/2021. I requested this disbursement amount to be wired to my bank as shown on the attached application form. However, the disbursement amount would not show few days since XX/XX/2021. I thought that it would usually take few more days to complete the transfer process. After more than a week passed, I decided to call Rocket Mortgage to find out what was going on. While trying to reach out to the right person, I was tossed between difference extensions numerous times as usual for the big company. In the beginning, they denied any flaw in their process and claimed that the disbursement was wired to the right bank account by using the information I provided on the application. However, during their internal investigation later, they found that their title company, XXXX, had sent the money to the wrong routing number. Firstly, I could not understand how this could happen, however, I accepted their explanation then demanded to reimburse the interest amount for 10 days which I had not receive this fund. They calculated the interest amount for 10 days and they sent me the check via XXXX. We made sure of the right routing number and they promised to resend the amount immediately. 
Few days passed and there was no fund showing on my bank account. I reached out to Rocket Mortgage and went through the very same process to explain all over again. 
They still insisted the money was sent to the right routing and account. Later, of course, they found that XXXX had sent the disbursement to the same wrong routing number they had sent first time. Since then I have been calling and requested to send me my disbursement immediately because I need this fund to pay the general contractor for my home renovation. After 2 months, they are not doing anything to resolve this issue and continue to tell me they can not do anything until they retrieve the money back from the wrong bank account they have sent. Why am I being punished for their mistake not only once but repeated?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My bank is wells fargo. I feel like they are setting me up to fail. I am in short sale process. I have complied with all requested information. They said I have 90 days to get a contract for sale or they will forclose. I worked with an agent. I got an offer on home that is XXXX dollars under what I owe. With colsing cost it will be about XXXX short. Were I live there are about XXXX homes for sale and only XXXX buyers. I submitted offer and they are telling me and my agent that we can not talk to loan short sale processor. I have to go through a liquidation advisor who never returns my call. When he does not return calls I have to talk with someone in the central pool. Now they are telling me that they have 90 days to respond to offer but if I do n't get the bank to sign off on this deal by end of the week the buyer will walk away. It is a very fair offer and I will most likely not get another. While I am trying to get this offer approved they are progressing with foreclosure and one department does not know what the other is doing. I have to move out of home in a month. I will not be able to keep utilities on. XXXX will adversely effect the house if I shut off utilities. They are making it impossible for me and feel that they are pressuring me to just sign home back to bank. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX 2016 Synchrony Bank ( toys r us ) took {$69.00} from my bank account without any authorization whatsoever. Upon confronting them about this they informed me that they will refund the {$34.00} overdraft fee that I will incur from my bank by paper check in 2 to 3 weeks. But they refuse to refund me the {$69.00} that was stolen from my bank account. They just keep repeating that they " cant '' refund what they stole from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
See prior CFPB Complaint Case number : XXXX Wells Fargo failed to process multiple requests for an extension to close a short sale until 9 days before the closing date. Wells Fargo has indicated that the extension request was denied but has not provided a detailed explanation. This buyer has been waiting for over 2 years for this short sale to be approved. It has been mishandled by Wells Fargo and delayed for no justifiable reason. I have attached the emails showing that the extension request was not processed until XXXX despite the requests sent throughout XXXX. Wells Fargo is denying they received the requests, but I have attached the emails showing I had requested the extension in XXXX. Now, we have to start over with the short sale because of their failure to request an extension from the investor in a timely manner.

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 2022-04-09
Company: CITIBANK, N.A.
State: GA
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 has violated my rights. 

15 U.S.C 1681 section 602 A. I have the rights 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 non-monetary relief
Consumer complaint received 2022-04-09
Company: BARCLAYS BANK DELAWARE
State: GA
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 has violated my rights. 

15 U.S.C 1681 section 602 A. I have the rights 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 2022-04-09
Company: JPMORGAN CHASE & CO.
State: GA
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 has violated my rights. 

15 U.S.C 1681 section 602 A. I have the rights 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 2021-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 ( at XXXX XXXX ), I tried to deposit {$130.00} to my Capital One account. I used a XXXX XXXX XXXX ATM ( ATM # : XXXX at XXXX XXXX XXXX, XXXX TX XXXX ) since there was the option to deposit to my debit card. The ATM counted the money then gave me an error and printed out a receipt that stated " we encountered a problem returning your cash. Please contact your financial institution. '' I called Capital One that day ( XX/XX/XXXX ) and filed a claim. On Wednesday, XX/XX/XXXX I received an email stating that the claim was denied. I called Capital One for more information and was told that XXXX XXXX XXXX was not assisting in the investigation of this issue. I was then told to contact XXXX XXXX XXXX directly. I called XXXX XXXX XXXX and was told that it needed to be Capital One that contacted them to resolve this issue. I called Capital One back and was told that the claim would be escalated and I would hear back from them within 24 hours. I did not hear back from them and called Capital One on XX/XX/XXXX to find out the status of my claim. They again told me that there was nothing they could do and to contact XXXX XXXX XXXX. I spoke to XXXX the supervisor and she told me there was nothing they could do for this claim. I asked if there was a way I could be on the line with them and XXXX XXXX XXXX  to help resolve this. XXXX stated I could conference call XXXX XXXX XXXX while she was on the line. While on hold with XXXX XXXX XXXX, XXXX hung up the other line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16
Company: Franklin Collection Service, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report to see that Franklin Collection Service XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MS has been adding negative comments of collection to the 3 credit reporting agencies every other day. They know this drives down a credit score. I have never been contacted by this company -- do not owe them any monies and when I attempted to call they stated unless I could provide them with a payment they would not talk to me and hung up the phone. When I search the web, this apparently is their way of doing business as there are hundreds of complaints about this company. I refuse to give this company money just because they have a tactic to drive down my credit scores. I want them to stop this behavior immediately. They should be able to add negative comments just because they can. They are taking advantage of lots of individuals -- I know this is not okay behavior by any company. I am looking to this agency to stop their behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX is attempting to collect on a debt I do not owe. I had no idea this debt was on my credit file until I checked my credit. However I immediately paid the debt as soon as I found out. I believe XXXX XXXX is in my violation of my 30 day right to dispute & feel that account needs to be removed.

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 2022-04-09
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:
n accordance with the Fair Credit Reporting act XXXX XXXX Bank 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

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