BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-10
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: Information belongs to someone else

Complaint:
My identity has been seriously compromised due to XXXX breach and my wallet being stolen..Now the after fact is a demise of unknown and unauthorized accounts reporting on my credit file. I'm demanding the immediate removal of these fraudulent accounts. I have no such contract with either of these companies. 

1 ) XXXX XXXX XXXX {$790.00} 2 ) XXXX XXXX XXXX {$2300.00} 3 ) XXXX/ XXXXXXXX XXXX 4 )  XXXX XXXX {$6400.00} 5 ) XXXX  XXXX XXXX {$17000.00}

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 explanation
Consumer complaint received 2020-09-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I initiated a funds transfer from my Chase checking account to my XXXX XXXX XXXX XXXX Checking account on XX/XX/2020 for the amount of {$2000.00}. It is XX/XX/2020 and it is still pending. I contacted the bank several times but they are denying to give me a reason as to why they are holding my funds and not initiating a transfer. This is my money and I find it unacceptable for them to hold my funds without any justifiable reasons. I called at least 9 times and I was either put on hold for an hour or more and calls were conveniently being dropped without any solution. I finally went in-person to the branch in XXXX, CA, but they were unable to give me a reason for the delay in transfer. Out of frustration i am filing this complaint. I need some answers as to why my funds are being held. Please help. Thank you. 

Transfer reference number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Patient Accounting Service Center
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I think this is debt from my bankruptcy that was already disputed. Im not sure what this is currently involving

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Equifax is failing to comply with FCRA laws for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Equifax that I was a victim of identity theft. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account. I submitted the identity theft reports, provided a report circle the fraudulent account. Equifax has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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. It appears that my credit my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this filesXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Opened Date XXXX XXXX XXXX Balance {$10000.00} If you feel there is a possibility this accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-03-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: WI
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:
Chex Systems has a inquire on my report that's not mind. Made by a company named XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. I made a complaint with consumer finance in the past. I was a victim of fraud, this inquire was not made by me. I never opened up a account with them, I would like this off my record.

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 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX Last reported XX/XX/XXXX {$210.00} Open balance XXXX  XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 mos ) Account statusOpen XXXX/XXXX  Last reported XX/XX/XXXX {$2100.00} Reported balance Credit limit {$1000.00} You're using 217 % of your account 's limit XXXX Credit limit {$1000.00} Minimum monthly payment {$33.00} OpenedXX/XX/XXXX ( 6 mos ) XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$700.00} You're using 0 % of your account 's limit OVERVIEW   Credit limit {$700.00} Minimum monthly payment {$0.00} OpenedXX/XX/XXXX ( 7 yrs, 8 mos ) XXXX XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$500.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$500.00} Minimum monthly payment {$0.00} OpenedXX/XX/XXXX( 8 yrs, 11 mos hese lenders have accessed your credit file : XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/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 2015-10-19
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called to see how much money was in my bank and found it was garnished by Asset Acceptance. They claim I owe on a debt that I already paid to XXXX XXXX, attorney in Oregon. I paid this off XX/XX/XXXX. Apparently there was a judgment for this paid off debt XX/XX/XXXX. I called XXXX 's office and they sent all the paperwork to Asset acceptance, who just garnished my checking account. I originally called XXXX in XX/XX/XXXX to see if I was making my last payment when I was told the account was transferred back to Asset Acceptance and was given the number. I called to make sure that was my last payment and was told I was not showing as owing anymore. Fast forward to today, I had XXXX garnished from my bank account and I am told I had a judgment and I still owe the full amount. My husband had to deal with this same company last year when they called everyone in the family and claimed to be a law firm ready to take our home, harassed the family and his work, for a debt he already paid. He got the money they took back but it took a month. How are they still in business and how can I fight this? I had no notice, nor contact with this company, so how are they able to garnish my account for something I do not owe? Please help!! How do I stop this. I talked to the attorneys doing the garnishment and notified XXXX 's office, but they said they sent all the copies to asset acceptance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Despite calling Barclay card, I was told they could not do anything to offer me relief on my upcoming bill due in XXXX. The credit card company won't work with me while I'm going through financial hardship ( won't negotiate lower fees, lower interest rate, lower monthly payment, or postpone payments ). 

Due to COVID 19, I was laid off from my job. 

I am awaiting unemployment insurance processing. 

Can you please reduce my monthly payment or offer me a program or disaster relief?

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 2022-03-28
Company: Comerica
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I was charged for a new debit card after loosing mine and that card never came so I ordered a new debit card for express delivery and was told I wouldn't be charged for it but direct express charged me for 2 Debit cards when they told me they wouldn't charge so I've called direct express 5x to resolve this but they aren't being honest please respond

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-25
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I just received a lett  er from Ocwen a few weeks ago in reference to reporting my account to a credit bureau and they have agreed to correct the report. On yesterday, I got my bill in the mail stating I owed more than the monthly payment.Upon calling Ocwen I was told, I owed {$110.00} in late fees for the payments not made during Disaster Forebearance Period. According, to their letter I never received the documents and they were sent to me again by computer, signed and returned. My information was updated, but no one ever mentioned I was delinquent. I was told I was now in good standings. What is the point of helping during a disaster to turn around and penalize me. More importantly, these conversations are recorded and I would love for them to hear the foolery and lies they tell the customer, but once you hang up the phone its anything goes.
If I was delinquent why did you pull the credit report, to now show no delinquency. My credit card and student loans also allowed for Disaster Assistance and never charged anything extra. Ocwen has and always will have deceptive practices. Their tail is a long one in decieving their customers, who try to make a honest living and pay their bills in a timely manner. They have refused to admit any wrong doing or to try to fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was relocated to XXXX by my company, and was issued benefits through a relocation company ( XXXX XXXX ) that included benefits with the sell of my current home. In XXXX 2015 I started the process to sell my home, I had to go through a number of inspection and repairs before my house was able to be placed on the market. Once under contract, paperwork would be done between the relocation company and myself.Then how it works is, I sell the house to them, and then the sell of the house would actually be between XXXX and the new buyer. I went under contract in XXXX, and was advised by the relocation company not to make the payment they would take care of everything. Apparently the first check sent to HSBC was received at the Dock according to the USPS but the payment never applied to the account. XXXX did a stop payment after 2-3 weeks and sent another check overnight. Which at that time, it was already late.Then there was a problem with the attorney and they had to get a new XXXX, which delayed us about a week or two. I signed the contract selling my home to XXXX on XXXX/XXXX/2015 and was issued a settlement check on XXXX/XXXX/2015 for the proceeds from my home. I was told I was done with the house, and even if it fell out of contract, I was no long responsible. The buyer did have trouble and it took longer to close, so XXXX was responsible for making the payments. XXXX was sending the checks for my mortgage payments. Unknown to me they made XXXX of these payments late. Worried about my credit, a called and spoke with a gentleman by the name of XXXX XXXX, to repeatly be told that my credit would n't be effected, the late fees would be reversed and even sent me a letter confirming our conversation. Later to find out my mortgage was report late for XXXX months. Since then, I have made a number of phone calls and sent contracts, settlement statements, the letter from XXXX, letter from XXXX accepting responsibility. I faxed papers, I have done everything to get this fixed and know one will help. This is effecting my credit, and now I am unable to obtain a new home loan based on the fresh mortgage lates reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
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:
XXXX XXXX LAST SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : This account was closed on XX/XX/XXXX XXXX   XXXX XXXX Last reported XX/XX/XXXX {$11000.00} Reported balance Highest balance {$20000.00} You've paid off 42 % of this loan OVERVIEW Highest balance {$20000.00} Monthly payment {$0.00} OpenedXX/XX/XXXX ( 4 yrs, 10 mos ) XXXX XXXX XXXX Last reported XX/XX/XXXX {$1400.00} Open balance XXXX XXXX   XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 mos ) Account statusOpen XXXX XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$500.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$500.00} Minimum monthly payment -- OpenedXX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$750.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$750.00} Minimum monthly payment -- OpenedXX/XX/XXXX ( 4 yrs, 7 mos )

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 2017-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My  Auto note i s {$350.00} a month with the payments being divided between my  XXXX  paychecks and rendered before or on the  XXXX  of each month. Supposedly in  XXXX   2014 , the second half of my payment was {$10.00} short and my account has been notated as 30 days late on my credit bureaus ever since. My payment is due on the  XXXX  but they tell me that they need to post it on the  XXXX . Makes no since. Either the  XXXX  ( according to my paperwork ) is the due date or it is n't.

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 2016-10-14
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a XXXX. I submitted a loan modification package to a lender on XXXX XXXX, 2016. The file is in the bankruptcy department. I had an attorney to write a letter authorizing the lender to be able to speak to the debtor and myself in order to assist with the application. The lender rejected the first letter that was sent XXXX/XXXX/16 stating that the attorney wrote Ladies and Gentlemen instead of " Dear Lender '' and they had to specifically say " I give " Lender '' permission to speak to the debtor. I followed up today and now they are saying it is being rejected because the attorney put they could speak directly to debtor or my company. They want the attorney to write another letter stating it is ok to speak directly to the debtor and not include my company. And in order for them to speak to me I have to send in a TPA from the debtor with their signature. I faxed over 2 different TPA 's originally when the first package was faxed over.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: CITIBANK, N.A.
State: MT
Product: Credit card
Issue: Other

Complaint:
I was attempting to set up an online account so that I could make an extra payment before the end of the billing cycle and was prevented from doing so because of a security word. I called and Citi kept attempting to ask about the same security word set up decades before. We have had the account since 1985. I have no idea what the security word was, nor should it matter. There are alternate ways of understanding that I am the account owner. So now, I ca n't avoid about {$100.00} in finance charges. Thank you Citi!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Other

Complaint:
Citi Bank has determined that my account is over their credit line of {$75000.00} when my total charges are {$59000.00}. I made a payment of {$36000.00} on XXXX nand they put a hold on that payment and treated it as a charge resulting in a {$95000.00} balance. This is wrong. I talked to XXXX people yesterday and am currently on hold now over 15 minutes. I mentioned your agency and that woke them up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My complain is with citi bank, my account went overdraft on XX/XX/2017 for the amount of {$120.00}. XXXX transactions was present that day. XXXX for {$220.00} and the XXXX for {$370.00}. I rush and did a deposit for {$900.00} which bring my account to a positive balance of {$770.00}. ( I have the record ) by XX/XX/2017 my account still with the same balance {$770.00}, no changed on the account, until the next day the XXXX, I checked my account and I was charged for an overdraft fee of {$34.00} and the transaction for {$370.00} check was return on the XXXX. My concern is, if I have sufficient fund to cover my transaction, meaning my deposit was made on the XXXX ( cash deposit ) why my transaction was not cover. I understand they might charged the {$34.00} fee because at the moment when the check went thru it was not enough funds, nevertheless, it was not the case : the fund was more than enough went the check was returned which it was on the XXXX. Please I would like to get attention on this matter is not the first time similar situation like this happen. I also file an internal complain with the company. Reference no. 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 monetary relief
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My identity was used on the following dates listed below in an attempt to obtain goods and services for which I did not authorizes, give consent nor had knowledge of these inquiries being made. These inquires has seriously caused me harm for i am not able to obtain suitable having for both me and my children. I am seeking removal of these inquiries. 
Creditor Date fraud began : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation