BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-30
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXXXXXX XXXX and I do not have a contract with CREDIT COLLECTION SERVICE plus they did not provide me with the original application like I asked. 

account number : XXXX amount disputed : {$810.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Experian Information Solutions Inc.
State: TX
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:
XX/XX/XXXX, I applied for a Ch. XXXX bankruptcy in which XXXX XXXX was not involved. I was paying my mortgage payments directly out of pocket to XXXX XXXX. To this date I have never failed in paying a mortgage payment. XXXX - XX/XX/XXXX, the Ch. XXXX was converted to a Ch. XXXX and was discharged. But I still do not have access to my online account, I had to keep paying my account through my bill pay, and my credit report shows that the XXXX XXXX account has little to none payment reports, no balance, and the account is closed. I have tried to talk to the bankruptcy, customer service, and to the heads of different departments to fixed this issue but every time I call customer service they want a letter stating that I may communicate with XXXX XXXX but the bankruptcy is over XXXX XXXX has the a copy of the discharge. XXXX XXXX continues sending me and my previous bankruptcy lawyer monthly statements. The law group has already sent the Ch. XXXX discharge to XXXX XXXX but to no avail.

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 2016-02-23
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The bank was requesting a net value of XXXX we had an offer for XXXX ( eventually they went up to XXXX ) The bank did another appraisal and did a net of XXXX which would probably be a XXXX sales price to cover all expenses. They refused the XXXX but today the house went foreclosure and sold for XXXX which makes no sense. I had difficulty with this bank before and they do not work the client and I just want to make you aware of this. They also changed the locks on the property while my client was still there and did n't even advise him.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
I got ripped off by CitiBank Credit Card Services. I scheduled a payment through their online services and the system did not process the payment. Since then XXXX broke loose and now they have ruined my decent credit and took me to a collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
To Whom this may concern : Not surprised from this reply ( enough research proves it ), I am requesting the method of verification for these disputed account ( s ) listed here below with the ( account names and # ). This is within my consumer right and accordance within Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Collection- # XXXX-if not valid or verified properly, delete immediately. 
XXXX- XXXXUnverified Account- delete immediately. 
XXXX XXXX XXXX XXXX-if not valid or verified properly, delete immediately. 

I want to make this perfectly clear that this is a demand for a method of verification where the following items should be provided to ensure the validity of each account reporting. 

At my demand request, if you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. If not verified, valid, or compliant, delete each account reporting in violation. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1981

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Other

Complaint:
XX/XX/XXXX I received a statement from my Chase Slate credit card with a {$500.00} charge from Chase Home Lending. I did not authorize the fee be billed to my credit card and have been asking the customer service department at Chase Cardmember Service for proof that I authorized the charge be made to my credit card. 

As of the most recent correspondence from Chase Cardmember Service ( CCS ), dated XXXX XXXX, the company asserts that the charge is valid, but has failed to address the question regarding the unauthorized charge to my Chase Slate credit card. 

Here are the actions which have transpired thus far : 1. XXXX XXXX, XXXX - Called CCS to dispute the fee. 
2. Received notice in the mail that a temporary credit was issued to my account by CCS. 
3. XXXX XXXX, XXXX - received correspondence from CCS with documentation from Chase Home Lending with documentation demonstration the fee was for a home appraisal taken of my home. 
4. XXXX XXXX, XXXX, XXXX XXXX - left a message with XXXX XXXX XXXX, my assigned Customer Service Specialist regarding the charge. 
5. XXXX XXXX, XXXX - Faxed dispute form to CCS stating that I had not authorized the fee charged to my credit card, nor had I received an invoice or payment options from Chase Home Lending for the {$500.00} fee. 
6. XXXX XXXX, XXXX - Left a voice message on XXXX XXXX 's work asking him to confirm receipt of the fax. 
7. XXXX XXXX, XXXX - received a letter from XXXX XXXX at CCS asking us to take the matter up directly with Chase Home Lending as the charge would remain on our credit card. 
8. XXXX XXXX, XXXX - Faxed an XXXX page document with the history of this dispute to the attention of XXXX XXXX asking once again for documentation authorizing the charge to my Chase Slate credit card. 


For the record Chase Home Lending did not send us an invoice for the appraisal fee, nor notified us that the fee would be charged to one of our Chase credit cards. Contrary, XXXX XXXX XXXX XXXX, our lender at Chase Home Lending, informed me there would be no charge for the appraisal fee since I had paid for an appraisal fee in my previous attempt to re-finance my home with Chase. 

Furthermore, the Chase credit card that was charged has been inactive since XX/XX/XXXX, set aside strictly for emergencies. The last credit card mailed to me is still attached to its original paperwork, having never been activated. I received the statement in XX/XX/XXXX and have been disputing it every since. The account, which had a XXXX balance has now accumulated {$82.00} in late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/21 I called XXXX XXXX to exercise my right as a consumer to opt-out from my nonpublic personal information being shared with a reporting agency or nonaffiliated third party. The Rep stated, " that all the information is on the privacy page site and they do not issue separate private policy forms for every transaction that I open, and can't let me opt-out of reporting to the credit reporting agencies because it is a lending product ''. So I checked to validate what disclosures were presented, and it wasn't anything stating that I have the ability to opt-out from my personal information being sent to credit agencies. As a consumer, I exercise my right under federal law and request to opt-out from my nonpublic personal information being sent to reporting agencies or nonaffiliated third parties.

A notice was not required Pursuant to federal Law 15 U.S.C 6802 ( a ), a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution PROVIDES or has PROVIDED to the consumer notice. Also, Pursuant to federal law 15 U.S.C 6802 ( b ) ( 1 ) ( B ) and 15 6802 ( b ) ( 1 ) ( C ) I was not given the opportunity to direct that such information not be disclosed to such third party and, I was not given an explanation of how I the CONSUMER can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I have a problem with Santander bank on our credit reporting. We had an automobile with XXXX then Santander bought the Contract. We had problems with this bank and we complained about them. 
Now we are having a problem again. We had paid car payments for this vehicle. The bank had the payments, and a repossession order had been issued. We were not informed of a pending repossion if so, Santander would have known the payments were in their XXXX. 
When on or about XX/XX/XXXX the car was taken. We informed Santander the payments they had them. The car was then returned 20-30 minutes the same morning. 
Santander Bank said that it was their mistake the repossion fees would be waived and the repossion would not appear on our credit report. This was in XX/XX/XXXX. 
We have found out it 's on our credit report and will remain there until XX/XX/XXXX. I have been in contact with Santander Bank today XX/XX/XXXX. I was informed there was absolutely nothing they could do. We were given the runaround when we began to investigate them we were given 3-4 different number to call each one was the wrong number. 
We feel this mistake of credit reporting is unfair. We paid for this car and can not get another car loan because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Sale of account

Complaint:
i have told the credit bureaus many times this account is n't mines a provide proof that i took this money the account was originally reported in XXXX but now they updated it and it says XXXX this account should not be XXXX my report and removed now.they even did a civil judgement which i was n't aware of.

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 2022-10-14
Company: Sunlight Financial LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I had solar installed on my home by XXXX XXXX XXXX who did a horrible job and caused all kinds of problems. The solar and battery was financed through sunlight financial / XXXX XXXX XXXX. I contacted the bank in XXXX and XXXX of 2022 to tell them not to release any additional funds to the contractor because a major dispute exists. I never once got a single reply from the bank and the matter seemed to fall on deaf ears which is why I am writing this complaint. It is to my understand that the bank has gone against my wishes and released the remaining funds to the contractor. I am requesting that the CFPB investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: On-Site Manager, Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently received a credit report prior to applying for an apartment. 
In the criminal background check area there are XXXX charges that are NOT mine. 
Case Number : XXXX XXXX. 
Case Number : XXXX XXXX XXXX XXXX. 

I would like these XXXX charges taken off of my credit report asap as they are not mine. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
I received notice on my credit score service that my Home Depot Citibank card was past due on a {$17.00} balance which had ballooned to {$73.00} in fees. The late and past due bills damaged my credit score. I had never received late notices or billing information from Home Depot or Citibank. This was the XXXX occurrence of the companies required correspondence not reaching me via email, phone or postal mail. A previous similar issue was resolved in XXXX when I informed them that I was not receiving bills. Their representative agreed to waive any additional charges and confirmed my email and mailing addresses so future account correspondence could reach me in a timely manner. This did not happen and I was late and charged for a bill I was n't aware of. 

-XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: M&T BANK CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I purchased a Ford XXXX Ranger in XXXX XXXX, for {$19000.00}, excluding sales tax. It was financed through M & T bank for 72 months, at 5.54 %. The payout is approximately {$22000.00}. Owing to medical issues ( XXXX XXXX XXXX XXXX ), I now have some difficulty driving a pickup, and my wife of 30 years passed XX/XX/XXXX. I subsequently returned the vehicle to the original dealer for resale ; however, the best offer they can garner is {$15000.00}, leaving about a {$7000.00} difference. I can make up some of this difference, but not the whole amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: NV
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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I have been an American Express card member since 1981, and in that time I have never had cause to question the level of service or integrity of the company. In XX/XX/XXXX, I purchased formal wear from the XXXX internet merchant XXXX, which promptly cancelled XXXX of XXXX orders. I immediately cancelled the second order, because the purchase was time-sensitive. I also called American Express to demand a chargeback. American Express claims that I owe {$510.00} for XXXX dresses ( XXXX orders ) I do not have in my possession. 
In XX/XX/XXXX, XXXX agreed to withdraw the claim for {$100.00} for XXXX dress, and refunded the money. Recently, the dispute resolution division of American Express restored this amount to my credit card debt. I am pretty sure they do n't read any of the documents they ask customers to upload when disputing a bill ( or even correspondence generated by American Express ). 
I have been petitioning customer service and billing inquiry since XX/XX/XXXX without success, regarding the second package ( cancelled by me ), a package shipped XXXX. The dispute resolution department is located overseas, and is not accessible by phone. Billing Inquiry says they communicate with dispute resolution by e-mail. It is easy to see how nuances of a case get lost, though mine is n't that complicated. 
Here are the relevant facts : 1 ) Both orders were canceled, one by XXXX, the other by me. 
a ) XXXX canceled the order on XX/XX/XXXX. ( I have a screen shot of this ). 
2 ) The packages were sent, anyway. 
3 ) Both were delivered without my signature. 
4 ) I returned XXXX package unopened to XXXX, which sent the package on to Kansas. XXXX agreed to refund my {$100.00}. However, when I returned the XXXX package unopened to XXXX -- the only way you can 'refuse delivery ' when you 're not home and they drop it off without your signature, the merchant was not so cooperative. 
5 ) XXXX tried to contact the seller for a month 6 ) Finally, the seller sent XXXX an order to 'destroy ' ( rather than authorization to return ) the package. 
7 ) I have supplied documents showing that XXXX picked up the unopened package. See line item XXXX. 
8 ) Documents showing that XXXX tried to contact the seller in XXXX. 
9 ) A document in XXXX and English from the seller authorizing XXXX to destroy this package. 
10 ) A new document of correspondence between myself and XXXX indicating that a ) the seller wo n't correspond with them. b ) that XXXX is not involved any longer in this decision making process, only American Express. 
I can only conclude that American Express is purposely making it difficult for customers to seek redress. 
I want a refund of {$510.00} and no damage to my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: OH
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:
They are in violation of FCRA because they didn't do a proper investigation. I sent them a letter telling them that they are in violation of USC1681B and they need to remove the accounts. I asked for a contract between me and Equifax showing that I gave them access to furnish the listed accounts on my letter to my consumer report. They failed to do so, so I need the accounts I listed on my letter removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo Bank has closed my checking account based on a review by its fraud department in which a questionable check had been deposited for review and found to be a fake check Further discussion with the department went with why i had been receiving large deposits for example from new busininess government loans and used to send overseas. No fact was allowed to be seen just the opinion by bank fraud officers that my activity is considered fraudulent with no actual facts to back such decision Check proved to be fake and confiscated and i received no money from it. Account is now closed and i am told bank will no longer accept my application for new account Mere opinion by bank officers should not be sufficient reason for closure and my sensure as bad guy dates of activity XX/XX/2021 several dates

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 2021-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving credit card past due statements from Bank of America every month since XX/XX/2020 regarding three different credit cards I don't own. The statements are under my name and sent to my address. However, to my knowledge, these are not my credit cards, and they are not showing on my credit reports from all three credit bureaus. I tried to call Bank of America customer service every time I receive a statement. Their phone representatives were able to verify these statements were not for me, but they had no idea why I am getting these letters. I even went to their financial center once but I was informed they could not do anything about it because credit card is a different department. I file a complaint and a fraud claim. I received a letter regarding the complaint but no concrete solutions are provided. The fraud claim was declined because they believe the statements were sent to the right person even though the representative told me on the phone they are not for me. I wrote five letters to the address listed on their website but the issue is not resolved. I continue to receive letters from them for the credit cards I don't have.

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 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have several items on my credit report that are not mine including a child support debt. I have never been put on child support. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
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: Old information reappears or never goes away

Complaint:
I have inquiries on my credit profile that were not made by me. I have been in contact with the credit bureaus and they have not resolved this issue. I would like all these incorrect inquiries to be removed from my credit report. Please see info below : XXXX XXXX XXXX : XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX of XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX of XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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