BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This weekend, I learned that an account I had with Macy 's department store, financed by Citibank, was made an active collection account. This account was included in XXXX XXXX XXXX  almost three years ago. When I contacted the company to learn what happened, I was told I could only obtain information concerning the account if I could provide an account number/transaction amount/last payment amount.

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 2022-07-01
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been in my current home for approximately XXXX  years. Last year ( XXXX ) i refinanced and my loan was transferred to Chase bank in XXXX of XXXX. During the life of my loan, I have never missed a payment. That is why I was extremely surprised to get a call from my bank this month on the XXXX ( XX/XX/XXXX ) alerting me that, not only was I delinquent on my account, but I was delinquent by a month and a half. I immediately logged into my account and saw that on the XXXX, they had invalidated my last two payments. I didn't have enough to pay both payments at the time but I made one ( {$1500.00} ) and said I would call back as I was on a business trip. When I returned, I realized that there had been an error. My XXXX payment hand't gone through ( even though I received a statement and confirmation saying it was ) but my XXXX payment had gone through but was not reflecting on my account. Over the next two weeks I sat on the phone with many agents and once even pulled in the bank of the account I was paying from ( XXXX XXXX ) to confirm that my XXXX payment had, in fact, gone through. I was given all sorts of excuses as to why it wasn't reflected and every time I pulled up documentation to refute a reason, another was presented. To this day, they refuse to apply the payment to my account. So, even though I paid every month on time, this was reflected on my account, and in my statements, I still was charged a late fee and had to pay three mortgage payments in the same month to avoid getting reported to the credit rating agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
I have no knowledge of any such hard inquiry or attempt for credit with the companies listed below. I have no supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt or inquiry, in fact therefore exists. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-11-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX, and Equifax continue to report inaccurate information on my consumer report. There are several misspellings of my name and addresses that DO NOT belong to me. XXXX, XXXX, and Equifax assumed a vital role in the banking system and have to follow the law in furnishing consumer reports. 

I have stated several times and provided proof of my identity and correct address and each company is still inaccurately reporting my personal information. 

My name is XXXX XXXX. There should be no other names listed on my report. My address is XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX IL XXXX remove any other address they do not belong to me. 

If you have reason to believe the information you are being furnished and paid to report provide me with an accounting ledger so I may inspect the records. Please take not I am not asking for my consumer report but the account history for the financial gain made from my

consumer report. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid my credit card in full back in XXXX and the XXXX XXXX has been reporting each month to XXXX and XXXX has not updated my credit card to {$0.00} so my utilization now looks like I am at 85 % and it is affecting my credit history and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the 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

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 2022-09-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX Balance : {$29.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022, I received a payment from XXXX XXXX via Venmo account for the amount of {$1800.00}. The transaction was successful and I was able to transfer the funds to her son for a payment of rent. A month later, I receive the email from a Venmo account about a chargeback claim being filed by the sender 's card issuer. I called my bank to ensure there was no case opened on my end. Next, I reached out to XXXX XXXX, and her son XXXX XXXX to resolve the matter and clarify the chargeback claim made against me. They claimed the chargeback case was illegitimate and/or reversed when I contacted XXXX XXXX for clarification. I quickly reached out to Venmo after the dispute came back not in my favor and Venmo provided no further detail about the case while simultaneously freezing my account and demanding a payment of {$1800.00}. I reached out to my lawyer who concluded that Venmo is operating under faulty business practices by providing false investigation results. Venmo also sent an email saying the " Case has not been worked '' without any explanation. I tried contacting Venmo and Customer Support escalated my case but it's been a week without action or speaking with an Account Specialist to resolve my case. I demand my account be unfrozen and the amount of {$1800.00} refunded as I have violated no policy or terms of agreement. Also, since I was not the sender, I am unable to use the Purchase Protection Feature. Lastly, there were no goods or services being exchanged during this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My monthly payment for my XXXX XXXX XXXX was due on XX/XX/2022. I tried logging on to my Comenity account via the XXXX app. There was no option to sign in and make a payment. I tried accessing their " Easy Pay '' feature, but all I got was a blank screen after loading. I contacted XXXX via XXXX to find out what was going on. They suggested I call the number on the back of my card. I have tried calling four times. Each time, there would be a ring then dead air, followed by an automated message saying my call couldn't be completed due to technical difficulties. There is literally NO way to make a payment. And Comenity is responding to complaints with a blanket statement, and saying that they have no idea when their online system will be running again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
LISTED BELOW ARE ALL UNAUTHORIZED INQUIRES I HAVE INCLUDED IN MY IDENTITY THEFT REPORT WITH THE FTC. 

( 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 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 2022-07-01
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have sent all my documents several times to the loan modification processor and I keep receiving request for the same documents. They ask for us to complete documents that are already completed and sign. We are being treated unfairly. 
One of the document requested was the taxpayer first act document. We sent it and they just told us it was not complete and as you see it was signed and sent via mail and email on XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: OCEANSIDE MORTGAGE COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have attempted to pay off my mortgage since the beginning of XXXX. I have been working with the loss draft/property claims center due to my house being burned down in XXXX of 2021. I sent the remaining insurance checks, endorsed, to property claims on XX/XX/XXXX, which were XX/XX/XXXX, and acknowledged XX/XX/XXXX. The check was processed/deposited XX/XX/XXXX. I submitted a letter of intent to use the funds in the escrow account to pay off the mortgage. At the time the checks were processed, there was just over $ XXXX in the restricted escrow account, and my mortgage balance was approximately $ XXXX. 

I have continuously called into loss draft and customer service with no answers. I was advised the payoff was scheduled to occur XX/XX/XXXX. That did not happen. XX/XX/XXXX, I was told I actually needed a payoff statement ( which when I previously asked was told I did NOT and my letter of intent was enough to allocate the funds appropriately ). They generated the payoff statement with a payoff date of XX/XX/XXXX, the agents told me XX/XX/XXXX the payoff would be completed. On this day, XX/XX/XXXX, I also submitted a demand letter requesting my mortgage be paid off immediately. They not only did not acknowledge my letter, but that did not happen. XX/XX/XXXX I was told the date had moved to XX/XX/XXXX for no reason in the notes. Yesterday, XX/XX/XXXX, I called in and spoke to various agents again, this time with my realtor as a witness. 

My realtor and I were advised everything was in that was needed and for sure my loan would be reflected as paid off by midnight XX/XX/XXXX. Today is XX/XX/XXXX and my loan still does not show as paid off. I show I have payments due. The treatment by your company has been deplorable! I already lost my entire home in XXXX of 2021, and now I am being victimized and held hostage by your firm! I keep calling in and speaking with agents, supervisors, different departments, and anyone else who will listen, but my complaints have fallen on deaf ears. My demand letter has not been acknowledged, and the errors by your company have not been corrected. I have tried to be understanding, but at this time I am losing patience. I can not move forward with new housing until this loan is paid off. 

I am seeking help to resolve this in an expeditious manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-01
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, On XX/XX/2022, I received a XXXX XXXX XXXX XXXX XXXX  notice in the amount of {$24.00}. The agency account listed is XXXX for a debt with the Superior Court of XXXX XXXX ; where Alliance One is listed as the collection agency. I have never been notified by Alliance One about a debt being collected by them. 
I called Alliance One to ask about the XXXX XXXX XXXX letter that I received 3 times on XX/XX/2022. The agent XXXX hung up the phone two of those times- before giving me any information about this collection account. 
I then contacted the Superior Court of XXXX XXXX to find out if this was accurate. The information Alliance One used to file an intercept request against me was not accurate. This collection agency ( Alliance One ) remitted a XXXX XXXX XXXX to the XXXX XXXX XXXX  in my name for {$24.00}. 
I made a payment arrangement directly with the Superior Court of XXXX XXXX for this Traffic Citation this issue should not be in collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 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 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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After a thorough review of my credit report, I have identified discrepancies that I believe are affecting my credit score negatively. The purpose of this letter is to request an investigation into these discrepancies and to rectify any inaccuracies in my credit report. 
Below, I have outlined the specific details of the inaccurate information on my credit report : XXXX XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have been a responsible and diligent payer, consistently meeting all of my financial obligations on time. However, the late payments reported on my credit file do not accurately reflect my payment history. I kindly request a thorough investigation into these discrepancies and the removal of any inaccurate information from my credit report.

Company response to consumer: In progress
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to DEPT OF ED/XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX. Please remove this account ASAP.

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX Balance Owed : {$1300.00}

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 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have served my country for the last 30 years as a XXXX  military XXXX and a XXXX XXXX XXXX and XXXX. I was recently awarded the Public Service Loan Forgiveness ( PSLF ) for my service and excellent payment history. 

Score Change My score dropped nearly XXXX points since I was awarded the PSLF. It is a travesty that I have to suffer such a drop in score for serving for over 30 years and having great payment history. I never missed a payment in the entirety of my student loans.

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