BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-15
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: Account status incorrect

Complaint:
What have you done to my credit report??? Why there is late payment marked on it? I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Today I tried to get my free copies of my Credit Reports from the three Credit Bureaus but lately I have not been able too. I am becoming very upset as to why I can not obtain these reports. It seems when someone else inquires they are able to receive the information I seek, but I can not. I have reason to believe there is something reported that they do not want me to see. I would like a copy of my free Annual credit report 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 2022-08-15
Company: Experian Information Solutions Inc.
State: NC
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2018-10-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with Citizens Bank in XXXX, PA on XX/XX/XXXX and my Citizens accounts are not reflecting the correct opening date. 

Also I was promised interest rate of 1.24 % on my money market account and that were not done according to discussion when opening the account. 

Also I was not given documentation promised while opening the accounts. 

I spoke with XXXX ( a supervisor at the Citizens Rhode Island Call Center ) who was not able to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
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 and XXXX Account # XXXX placed by XXXX has violated my rights. 

15 U.S.C. 1681 section 622 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 written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
For over 6 years now I have been battling identity theft. I have sent Transunion my FTC paperwork my court paperwork, paperwork they asked for and now i am attaching a new and update police report ( this is the 3rd one ) they are still reporting 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 2017-02-17
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Contacted AR Resources to settle debt. Was told if I pay the {$2500.00} debt they would delete all accounts from my credit report. Called back to ask when they would be sending the letter to the credit bureaus, I was told that in order to get it deleted I would have to pay {$1300.00} after I just paid {$2500.00} on XXXX XXXX, 2017. Called back to get a itemized statement of all the medical collections on XXXX XXXX, 2017 and they told me I now owe {$1900.00}. There are XXXX accounts that I paid and they are giving me a different amount every time I call. I would just like to get these deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Citifinancial has not giving me credit for XXXX XXXX payment ; check # XXXX It was sent XXXX XXXX via certified mail # XXXX XXXX XXXX XXXX XXXX which shows that it was delivered by U.S Postal Service. It was sent along with check # XXXX which shows it was cashed by Citifinancial for XXXX, XXXX payment. Both payments were for the amount of {$550.00}. Also I included another check # XXXX for the amount of {$500.00} for partial payment of XXXX property taxes which has not been cashed by Citifinancial. There is also wrong information about the date a will finish paying my loan. I have not asked for a deferred payment plant since the beginning of my loan. Thus, I do not understand why Citifinancial is showing the last payment of my loan to be 6 month after the actual date it shows as the last date to be paid off. Also Citifinancial agreed to change the interest rate if I paid the first two years on time. Citifinancial did not honor the agreement. Enclosed documentations supporting my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: PNC Bank N.A.
State: IL
Product: Credit card
Issue: Balance transfer

Complaint:
I received a Balance Transfer Offer in the mail from PNC, where I have a credit card. I went online and submittedt the request. The receiving credit card never received the check. I have called PNC repeatedly and have not received any answers as to why this was never received, although they have posted this charge to my account. They have finally agreed to re-issue the check. My complaint is that if I was not diligent in following up on this matter, I would have had a {$2000.00} charge on my account with no payment received. In addtion, PNC phone representatives have been severely lacking in their ability to address this matter.

Company response to consumer: Closed
Consumer complaint received 2020-03-17
Company: INDEPENDENT BANK GROUP, INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I met a person who I fell in love. He went to XXXX for work.He said that His wallet was stolen by his workers including credit cards, driving licence and passport. He requested money from me to finish his work. So I believed him and I sent him XXXX USD on XX/XX/2020. He asked me to send the money to the different account numbers he provided from money agent in XXXX. He told me his bank account was blocked and he couldn't use his accounts. Because he was in XXXX. He had to go to the bank personally to open his account. But because his contract he could not leave XXXX before he paid the workers 's expenses. He told me, he finished his work and he got his check, but he had to pay % 7 taxes in cash before cashing the check.The check amount was XXXX USD. He needed XXXX USD. I tried to help him. But Later I checked his bank account web site that he sent to me was spam. Then I understood everything was fraud. He lied to me. He gave me dfferent account numbers. 
The complaint is related to the transaction XXXX USD on XX/XX/2020 sent from XXXX  XXXX XXXX to Independent Bank XXXX, TX. Imad number XXXX,, XXXX XXXX XXXX. This money was hold until XX/XX/2020 in the receiver account. I requested recall for this amount on XX/XX/2020 from XXXX  XXXX XXXX. Recall Claim number is XXXX I called the Independent Bank in XXXX, TX several times and I sent complaints to them. I talked with the bank manager XXXX XXXX on XX/XX/2020. I explained the situation on the phone to her and requested not to release the money. She told me the account was under fraud investigation. But when I talked with my bank they told me they did not get any news from Independent Bank on XX/XX/2020 at XXXX XXXX  in the morning. I called XXXX XXXX. She told me they released the money to the receiver. I did not understand how they released this money while it was under investigation and I requested recall for it. She told me It was their bank policy. They have a big organization for cyber crime. They are trying to steal the money from people. I want to stop them to hurt the other people. I requested my money back. I requested refund, It was under investigation and they released the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-23
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After 7 years of me paying my taxes directly to the city XXXX NJ Chase decided to pay the taxes on my behalf therefore creating at XXXX plus escrow shortage thus leading to a XXXX increase in my monthly mortgage payment.  While Chase "investigated" the issue they recommended that they temporarily suspend my auto debit. I agreed.  I was told to make a manual payment.  I went online to make the manual payment and my account presented that I was still enrolled in auto pay therefore I did not make the payment for risk of being charged XXXX at the higher amount. 30 days later I was told I was delinquent. Chase will not amend the reporting. They say that despite representing no change (i.e. still enrolled) in my auto pay status online I still needed to make a manual payment and that I should have called them once I saw the online status.  At no point did anyone in customer service disclose to me that the temporary auto pay suspension would NOT be reflected online and that I should make a payment regardless of the online auto pay status.  I now have a mortgage delinquency reflected on my credit report.  Chase refuses to make an amendment even though this issue was caused by their erroneous payment of my taxes (which has been reversed) and failure to disclose the auto pay suspension status on my account online. It is my belief that Chase paid my taxes knowing that it would create a XXXX escrow deficit which for many would have resulted in foreclosure.   It wasn't until I spoke to multiple customer service reps in their tax department and weeks of investigating the issues was it ultimately resolved.  Nevertheless, they still refuse to change my credit reporting status because my auto pay was merely "suspended" and not "canceled", even though neither was reflected online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-26
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to change internet providers from XXXX to XXXX. I was told that the installation of the equipment was not to be charged to me, that it was free. When the employee arrived at my apartment he noticed that the infrastructure of the apartments was n't prepared to host the XXXX service. I was n't home when he arrived, so he started working on preparing the apartment 's infrastructure to be able to host the XXXX service for my apartment without my consent. I asked him if it would cost me something and he said " no ''. After the bill arrived I saw that the charges were for installation, service and equipment. When tha XXXX provider also told me that the equipment was not to be charged. I have talked with XXXX and they say that I have the equipment, I do n't. When I got the bill I went running back to the store to cancel the service and return everything. All of this happened somewhere early 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The XXXX XXXX XXXX XXXX website refused twice to deliver my credit reports. I was told to contact the individual companies for my reports. All 3 companies have flat out refused to provide me my reports. This in spite of the fact that I am looking for employment, and a new apartment. So I am absolutely eligible to receive my reports from all 3 companies for 3 separate reasons. I was due and eligible for my yearly free reports. I am also looking for a new job and apartment. Further more ; last year I disputed some entries on my credit report with all 3 companies. Their ideas about what an investigation is was to call the original people who erroneously reported on me and simply ask them if these were my debts. I demanded to see my signature or copies of my ID for anything being reported. They refused again. This is just not right. Too often in this country the little man gets stepped on and beaten up by corporations and organizations who do not even follow the laws. If rule of law is ignored by them why do I have to follow it?

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 2016-07-12
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm writing to provide additional information regarding the complaint I started on XXXX XXXX, 2016 [ Case number : XXXX ]. 

I 've received the response from Freedom Mortgage through CFPB, and disputed the response they provided. I 've also looked at my statements closely since my original complaint and found that even on the statements that the company has sent me when my account was paid ahead, Freedom Mortgage specifies that {$0.00} of my payment for the next due date would be applied to interest. However, as they received my subsequent payments, I was still being charged interest for advanced payments. I had since been slowing down my advanced payments because Freedom Mortgage has been so adament about refusing to reverse the additional interest charges that I was afraid I 'd be spending more money than I actually owe on my mortgage, however, given this new realization, I 'd like to redouble my complaint against Freedom Mortgage, and subsequently XXXX who purchased my mortgage from Freedom Mortgage while Freedom Mortgage continues to service my account.

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 2016-02-03
Company: CAINE & WEINER COMPANY, INC.
State: DC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Services were rendered at XXXX XXXX XXXX XXXX in XXXX XXXX. 

I paid XXXX XXXX XXXX XXXX with check number XXXX dated XXXX in the full amount of XXXX. The check cleared my bank on XXXX. 

According to XXXX, the amount of {$140.00} was reported as unpaid debt in XXXX, AFTER I paid the amount in full. XXXX XXXX XXXX XXXX reported me to collection agency Caine & Weiner Company Inc when they should not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: AMERICAN HONDA FINANCE CORP
State: CT
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
On XXXX/XXXX/17, a property tax of {$690.00} was erroneously added to my statement. The amount was a pass-through of property tax from the company for my leased vehicle that had been assessed by the State of XXXX and the Town XXXX. 
In addition, my monthly lease payment of {$480.00} was applied to the tax bill, instead of the lease as intended. Not only was the tax payment in dispute, but this act contradicted their own notice that stated that the tax bill would not affect my monthly automatic payment under the 'EasyPay ' program. 
I was on XXXX XXXX and provided such notice to Acura when I began the lease and I continue to serve on XXXX XXXX today. As a non-resident military member, I am exempt from XXXX property tax on the vehicle under the Servicemember 's Civil Relief Act ( XXXX XXXX XXXX. XXXX XXXX. 

Excerpt from SCRA Sec XXXX " XXXX Personal property ( 1 ) Relief from personal property taxes The personal property of a servicemember or the spouse of a servicemember shall not be deemed to be located or present in, or to have a situs for taxation in, the tax jurisdiction in which the servicemember is serving in compliance with military orders. 
( 2 ) Exception for property within member 's domicile or residence This subsection applies to personal property or its use within any tax jurisdiction other than the servicemember 's or the spouse 's domicile or residence. '' I was never given a tax bill from the Town XXXX and I asked the tax to be removed from my bill, pending adjudication of the matter. 

I have provided a signed, notarized, affidavit that was accepted by the town 's tax assessor 's office and a copy of my military orders that both clearly articulate that I am not a XXXX resident and I am only in the state incident to military duty. 
Over the past two weeks, I have contacted Acura Financial Services by phone, email, and letter to no avail. The Financial Services office has passed me from XXXX representative to another and have refused my request for a written response. 
This misapplication of property tax and attempt at reimbursement by Acura Financial ServicesXXXX Company from XXXX XXXX members could potentially effect other servicemember/lessees in the following states that assess vehicles for property tax : XXXX XXXX XXXX only ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Amcol Systems Inc -Medical {$1800.00}, reported XX/XX/2017 Amcol Systems Inc-Medical {$520.00}, reported XX/XX/2017 This is a grossly inflated dollar amount at an Emergency Room/Urgent Care facility, not a hospital that I was charged. I was NEVER able to get a detailed statement of the charges and DID NOT see a doctor. I could NEVER get a true explanation of why the charges were so high.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: WELLS FARGO & COMPANY
State: GA
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

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. The following information therefore needs to be re-investigated. 
WF/XXXX  Last reported XX/XX/2020 {$1100.00} Reported balance Credit limit {$800.00} You're using 141 % of your account 's limit OVERVIEW Credit limit {$800.00} Minimum monthly payment -- I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely,

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