BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: CITIBANK, N.A.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
We arrived at XXXX XXXX airport at XXXXXXXX XXXX on XXXX XXXX. As I was looking up an XXXX driver, my husband went outside and came in and said there was an XXXX driver outside. I said it says {$28.00} on the app and he said ok. We didnt check his ID ( I guess because he was at the airport ). He took us to apt- about 15 min drive. I gave credit card and a {$10.00} cash tip. 
When we received our credit card bill, it said {$450.00} for 15 min drive. ( when we returned from apt to airport, our fee was {$20.00} with a legitimate XXXX. 
The credit card company CITI sided with the XXXX. XXXX XXXX Because they sent a fake receipt with false signature. 
It is obviously fraud because we can prove when we arrived at airport and when we arrived at apt . Only a short drive- could not be {$450.00}. 
I thought that credit card companies were supposed to assist customers when there is fraud involved in a transaction When I checked on filing a police report, the police officer couldnt believe that the credit card company would not help.

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 2016-03-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
An account from XXXX from 2006 that was included in a bankruptcy filing is still showing as a delinquent/late paying account in my Equifax file. 
I have submitted the dispute to all XXXX credit reporting agencies. XXXX and XXXX have deleted the account from their records. Equifax has yet to do so. I need your help in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: ALLY FINANCIAL INC.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This bank is not reporting to the credit bureaus in a timely manner. 

The last time they reported was XX/XX/2021. My balance was $ XXXX The following payments are not shown at the credit bureaus and are keeping me from getting another car. 

XX/XX/2021 One-Time Payment Completed {$5400.00} XX/XX/2021 Payment Processing Center Completed {$19000.00} XX/XX/2021 Payment Processing Center Completed {$40000.00} The entire amount has been paid off and albeit the final payment was only 3 weeks ago, the other 2 payments on XX/XX/XXXX and XX/XX/XXXX were never reported to the bureaus. I have contacted Ally Auto and they have not responded.

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 2021-08-30
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: Information belongs to someone else

Complaint:
I submitted an official FTC report, qualifying identification documents, and a detailed dispute letter to TransUnion on Thursday, XX/XX/2021. The documents arrived to TransUnion on Saturday, XX/XX/2021 at XXXX XXXX. The disputed items in question were : XXXX/DEPT OF ED Account # : XXXX XXXX/DEPT OF ED Account # : XXXX Both accounts are fraudulent, stemming from identity theft. I received a corresponding letter from TransUnion on XX/XX/2021 citing I recently submitted a dispute to TransUnion for an item, and the data furnisher verified the information. This in turn has allowed them to not reinvestigate my claims. 

TransUnion has failed to be transparent with their means of investigation, and continues to report inaccurate information on my credit report. 

Ive uploaded all required identification documentation to verify my name, somehow TransUnion maintains they will report a fraudulent account addressed to someone else on my credit file. 

This inaccurate reporting is severely hurting my credit profile, and is unfair/unjust representation of me as a borrower. 

Please have TransUnion either accurately and transparently verify this account as mine, or remove it indefinitely from my credit file.

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 2020-05-06
Company: Experian Information Solutions Inc.
State: IN
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:
My credit file is a reflection of my identity been compromised, therefore not only are my accounts fraudulent but the following inquiries as well. I did Not authorize these inquiries, and I'm demanding that they be removed. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX 3 ) XXXX  XXXX XXXX 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX  XXXX 7 ) XXXX XXXX XXXX   XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX  XXXX 11 ) XXXX XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX 14 ) XXXX XXXX XXXX XXXX 15 ) XXXX XXXX XXXX XXXX 16 ) XXXX XXXX XXXX 17 ) XXXX XXXX XXXX 18 ) XXXX XXXX XXXX 19 ) XXXX XXXX XXXX  XXXX 20 ) XXXX XXXX XXXX XXXX XXXX 21 ) XXXX XXXX XXXX 22 ) XXXX XXXX XXXX 23 ) XXXX XXXX  XXXX 24 ) XXXX  XXXX XXXX XXXX 25 ) XXXX XXXX XXXX 26 ) 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 2022-04-14
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I.C.System Inc is a debt collector. As was the last two companies, this already paid debt to XXXX XXXX. What these companies are doing is passing along this false debt to the next company to see if they can collect. In the mean while, they put a negative strike on your credit report and after you've contacted XXXX XXXX, the debt collector and CFPB to get this removed. They pass this false claim onto the next debt collection company and the process begins over again. This has to be stopped, because it's not debt collection... it's a scam!!

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 2020-05-06
Company: EQUIFAX, INC.
State: IN
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:
My credit file is a reflection of my identity been compromised, therefore not only are my accounts fraudulent but the following inquiries as well. I did Not authorize these inquiries, and I'm demanding that they be removed. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX 3 ) XXXX  XXXX XXXX 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX   XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX  XXXX 11 ) XXXX XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XX/XX/XXXX 14 ) XXXX XXXX XXXX XXXX 15 ) XXXX XXXX XXXX XXXX 16 ) XXXX XXXX XXXX 17 ) XXXX XXXX XXXX 18 ) XXXX XXXX XXXX 19 ) XXXX XXXX XXXX  XXXX 20 ) XXXX XXXX XXXX XXXX XXXX 21 ) XXXX XXXX  XXXX 22 ) XXXX XXXX XXXX 23 ) XXXX XXXX XXXX 24 ) XXXX XXXX XXXX XXXX 25 ) XXXX XXXX XXXX 26 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven`t received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
There is Bank of America charge showing up on my credit as open when it was completely done with & closed many years ago. On XXXX & XXXX it has already been removed some time ago. We already tried calling & emailing XXXX regarding this matter but it has still not been removed. What can & needs to be done to resolve this? Please take immediate action in this matter. 

Thank you

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 2021-08-30
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Date : XXXX Over several weeks calls to the Barclays Support center have failed to garner adequate customer support. Prior to today Barclays, customer service representative XXXX, denied a call to dispute XXXX digital good purchases as requested. 

Today, ( Female ) Barclays rep XXXX reiterated the same approach to the claims. The XXXX transactions were cancelled with XXXX customer service and moved to an alternative account for billing purposes. The XXXX balance remains and our recollections lead to the charges being left overs and duplicate. 

It is understood representative XXXX, was phoned at the XXXX, number multiple times today. Once at XXXX and she disconnected the call while on hold while awaiting a supervisor to process the dispute request. 

Then, during the followup call moments later. XXXX stated no supervisor will become available until after XXXXEST. XXXX  WAS CONTACTED prior to phoning Barclays card services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have owned my home since 2014 and the mortgage has been paid in full. Experian, XXXX and XXXX is still reporting on my credit report a balance from of XXXX. Experian, XXXX and XXXX is reporting a balance of XXXX from XXXX. Experian, XXXX and XXXX is reporting a balance of XXXX from 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 2016-10-25
Company: SYNCHRONY FINANCIAL
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Made a payment to Belk Credit ( department store ) to wrong account. Asked them to apply the balance to the right account and they did not do it but charged me a late fee. Asked them to send me a refund on the credit of {$210.00}. They did not refund the money. 
There is currently still a credit on the 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 2021-08-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ) XXXX / ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Someone is trying to get a credit card using my name and SS #.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: MRS BPO, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of identity theft and below is what happened. 
On XX/XX/XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XX/XX/XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times. 
Unfortunately, I recently received multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the one with MRS BPO , LLC.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-26
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have received a " Loan Estimate '' from a lender, as shown on your website : http : //www.consumerfinance.govXXXX The lender is including {$3800.00} under the " Adjustments and Other Credit '' in the " Calculating Cash to Close '' section ( show on page XXXX of ever Loan Estimate ). 

I called them and asked them what it was and and they told me that you required them to disclose it, and it is extra tax money they pulled from a data base. Is this true? What can be included in the " Adjustments and Other Credit '' area of the Loan Estimate? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: HUNTINGTON NATIONAL BANK, THE
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I tried to make a deposit by my phone app before and after I saw a pending debit to my account that was going to cause my account to overdraw. I have always been able to make check deposits by phone. However, despite being able to log in, I kept getting an error, with a prompt to call a toll free number. I called and was walked through multiple tasks - uninstalling app, clearing cache etc and the app did not work. I was advised it would be escalated and receive a call back. To date no one has called back. I noticed an overdraft fee and so called today and was advised it would not be waived. Given I have moved from XXXX XXXX XXXX  and had no alternative to make a deposit, I am requesting a refund, especially for issues related to the reliability of the bank 's app.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made several payments to my Best Buy card in the month of XX/XX/2020 and I noticed they put my payments on hold and unable to get hold of Citibank so I can get theses payments released and I dont have no patience in waiting 7 days at all and the fraud rep told me she can only be on the phone for 5 mins but my bank which is Citibank clear the funds from several payments and best citi refused to contact my bank to verified funds and said they can be on the phone. For 5 mins and they are charging me too much interest on my credit card and Im asking them to lower it or give me a offer since Im going through some hard times due to the cornavirus they had my payment on hold for XXXX I paid from my Citibank account ending 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 2022-04-16
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:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXXXXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX, FL 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 2022-01-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My servicing company is Select Portfolio Servicing, inc, account number XXXX. 
I have requested that they setup an escrow account for my delinquent taxes that arose due to Covid-19 and my recent Chronic XXXX XXXX diagnosis. My request was denied with not concrete explanation. Other mortgage companies have made exceptions for individuals impacted by Covid-19 and these people are disrespecting the impact the virus is having on people. I am XXXX months ahead on my mortgage and my credit score is in the mid XXXX. So in my opinion a denial is unwarranted. 
I am requesting a full investigation into their unlawful practices since they dont do things right and this has been my experience throughout my tenure with them. For example when I overpaid they returned the money rather than applying it to my account. Now they refuse to provide assistance to those impacted by a pandemic. 
This is a horrible business practice and I beg you to investigate their uncooperative practices. 

Additionally, I will be contacting the Attorney Generals Office. I can be reached at XXXX if you need additional clarification. 

Best Regards. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: FIRST NATIONAL BANK OF OMAHA
State: MA
Product: Credit card
Issue: APR or interest rate

Complaint:
I transferred $ XXXX, they charged me a 4 % transfer fee they have a fixed apr of XXXX per year, but they charge you a 3 % on your remaining balance every month. This is not a deal!!!! 
I thought I was just getting 5.99 % per year, NOT in addition they charge 3 % on $ XXXX or less each month that you have this card. 
FirstBank Credit Card

Company response to consumer: Closed with explanation