BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-25
Company: CITIBANK, N.A.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My Citibank credit card p ayment was due on  XXXX   XXXX ,   XXXX   which was a Sunday. My bank processed the electronic payment on Monday  XXXX   XXXX .  Citibank di d not process this payment until  XXXX   XXXX  and charged my account a late fee of {$35.00} and interest of {$39.00}.   I  called Citibank and re quested a refund of both the late fee and interest charges but they refused to refund the late fee or interest.     I have enclosed a copy of my bank statement and credit card statement.

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 2020-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted Trans Union on XX/XX/XXXX about an inaccuracy on my credit report with my student loans. I told them that i am trying to get a mortgage and the i need to dispute four late payments that were deferred at the time. They told me they would dispute it and i asked if i could send the documents that i have to support my claim they told me i would have to go to the website on there page under disputes to upload my documents and put the dispute in myself. I tried to get on my account but could not i called back they told me i would have to call a different number i did that number told me to call another number i did to no avail i could not get anyone to help me. Then on XX/XX/XXXX i finally got into my account and filed a dispute and uploaded my documents. I called on XX/XX/XXXX at XXXX XXXX   and i was told they could not help me and hung up on me. Called back to speak to a supervisor the supervisor XXXX told me he would put the dispute threw for me. I asked if the dispute from the XXXX went threw and he tells me no. He tells me he put the dispute in form me.But know i can not get on my account again to check it and every time i call trans union they will not help me or answer any questions about my dispute. I need to get this correction and i can not seem to get any help with disputing this inaccuracy. I need help please

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 2016-12-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
This is a second follow up to my original complaint. My original complain stated that ; On XXXX XXXX and XXXX, 2016 I became a victim of identity theft at the JP Morgan Chase bank, when approximately {$12000.00} was taken from my savings and checking accounts. 
To date the bank has reimbursement approximately {$9500.00}. 
The bank refuses to reimburse the balance of the money taken, which is {$2500.00}. 

My 1st follow up stated that on XXXX XXXX, 2016, the Chase Bank did credit my savings account with a total of {$1500.00}. There continues to be an outstanding balance of {$1000.00} owed to me. I have tried to call XXXX XXXX XXXX, Executive Office, Chase Bank at XXXX extension XXXX and he fails to call me back. I have no other resource that tho notify you in hope that you will once again interceded on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Triple AC Resolutions
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a phone call on or around  XXXX   XXXX  , 2017 fro  m TSC Associa  XXXX  claiming to have legal documents that were just attempted to be delivered. I told them I was minutes from home and if the driver was still in the area, to have him return so that I could sign for them. They declined that option and told me about a phone number I had to call to proceed with scheduling the delivery. I looked this up online to check if it was a scam and found that to be true and did not pursue further. Two weeks later, I received another call and told the caller that I was actually home and that no delivery attempt was made. I then told him I knew what was going on and to stop calling. Today,  X/X/2017   , I received another call from  XXXX  and did not answer, but a voicemail was left stating that I had  XXXX  hours to respond or that they would assume I acknowledge the information was accurate and they would deliver the documents. My mother, father, brother-in-law, and sister were all called in succession from this company and they claimed I listed each of them as an emergency contact in pursuit of finding out my information. This was also false. I do not know how they obtained my information and my families information.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-15
Company: Experian Information Solutions Inc.
State: VA
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: Problem with personal statement of dispute

Complaint:
Hi, I disputed the incorrect balance amount with Experian in within XXXX minutes later, I received a response that the amount was correct when its not. How can you dispute something so quickly in XXXX minutes when the debt collector office closes at XXXX. 

I am concern with Experian dispute process because it seem like they do not call or further investigate the company and send automated updates. 


Attached is the correct amount owed which is {$920.00}, as opposed to {$1400.00}.

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 2020-08-15
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
onXXXXXXXX  i sent dispute letters out, no response, then onXXXXXXXX  i sent out a comply and demand letter still wit no repsonse

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: MONEY SOURCE, INC., THE
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The mortgage company was actively taking monthly payments from my account. The mortgage company had an error with their system and stated I was past due on my account. Below is a copy of the payment date and confirmation for the month of XXXX. In which they are reporting was 30 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase Bank made the decision to end the banking relationship with me and closed all the bank accounts I had with them, including one that I was only listed on with a Power or Attorney. While I realize they can close the account without reason and without notice, NOWHERE in the agreement, which I reviewed several times, did it say they could or would freeze and restrict the account for an indeterminate amount of time without notice. I have contacted them to point out that they are breaching the agreement, and they hung up on me. The bottom line is that Chase is breaching the very banking agreement they have by failing to notify me in advance that they would be holding the funds after their decision to close the account. Once they decided to terminate the banking relationship, they were obligated to release my funds, all of which were deposited by verifiable means, but after 3 weeks they still are holding the funds in that account hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XX/XX/XXXX the following accounts were Deleted off my credit report from XXXX Results Report Number : XXXX Date Generated : XX/XX/XXXX XXXX XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 

Deleted XXXX  XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX  XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 

THE ACCOUNTS WERE PLACED BACK ON 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 2020-04-18
Company: Square Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I signed up for a Cash App account because in an emergency I had to sell belongings to get food during this crisis. I get my cash app handle $ XXXX  and setoff to sell my belongings. I exchange the goods and this stranger sends me money through cash app, i get a text from cash app notifying of the funds. Turns out this stranger wanted to buy both of my items for sale so he sent another XXXX and I ASSUMED since I had receieved 2 texts from Cash app stating the this person had sent me XXXX and another XXXX that I was good to go. However attempting to " pickup '' these funds proved to be impossible and cash app would insist on verifying my identify which I tried 2 ways to do and they STILL would not accept so they want a scan of your drivers license front and back, BUT there is no way to take or capture the image for the back so THERE IS NO WAY TO VERIFY YOUR IDENTITY and Cash APP has XXXX I mean absolutely NO SUPPORT WHATSOVER which is very very concerning. How does a financial company that sells stock not have any support, let alone a phone number to call. So, in my opinion this entire company is a complete scam and now they have my financial info, scans of my drivers license, everything needed to commit identity fraud. Not to mention I just lost {$120.00} and will not be able to eat today all because I trusted cash app. Please stop these people as they aided and abetted someone else stealing from me and they do not offer any support or way for me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX and XXXX BK- XXXX has violated my rights. 15 U.S.C 1681 Section 602 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 my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Accounts need to be removed from 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 non-monetary relief
Consumer complaint received 2023-01-31
Company: Bridgecrest Acceptance Corporation
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The fraudulent account is not mine, I am not liable for the account. It is fraudulent and unauthorized and should be removed from my credit report. 

This has been filed with the Police department as well as the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Pressler & Pressler had taken over XXXX from my bank account without my knowledge each time. The last withdrawal was a week before XXXX. I became very XXXX since. I almost lost my car, got evicted, water got shut off ect ect. They haave threatened to have me arrested and said that i would have to come up with the money somehow. I never allowed them to take any money from my account. The first time they took money out the women I spoke with asked me if it was ok for them to withdraw money again and I said No! They still went into my bank account a few months and did it again! All of my sons child support gone. I do n't think they went about this fair. The court officers were very nasty and would hang up on me or yell at me when I would call them to find out the debt. I asked Pressler & Pressler to send me all the information on the debt so I can see what I owed and all they sent me were papers stating how much I owed. That was not enough proof for me. They just tell me I owe this I owe that but they have no proof and they still go in my bank account and take my money. They took money out two times for an account and they still have n't refunded me the money. They are denying taking out the money and I had XXXX send them twice the proof that the money was withdrawn from them yet they still wo n't refund me the money. I 'm so confused on how to settle this cause they do n't give me a minute to explain. They hang up on me ... Please help me. I. Afraid to put any money in my account to pay bills because I do n't want them to clean out my account again. I went through a very bad XXXX after this and I just want this nightmare to end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In  XXXX     2016, the p ayment plan on a number of my private loans with Navient were updated, so I had a lower monthly payment of about {$600.00}.     Starting  XXXX   2016, we  started making additional payments towards the highest interest rate loan of 6 %, the  '  XXXX   Signature Student '.      As additional payments were made, and the balance on the highest interest rate loan went down faste r, Navient began re-dis tributing how the monthly {$600.00} was allocated across all loans by decreasing the amount paid toward the highest interest rate  (   XXXX   ), a nd increase towards all the others. They did this without our explicit permission, or without notifying us of this change.     By changing the payment terms, and applying less towards the higher interest rate loans,   Navient is in effect earning more interest on these loans than they should otherwise, had they left the   payment terms the same. Interest Rates on Lo
ans below, see the attached AllLoans.xlsx document for payment history and dates.       Interest Rate Loa n   6       XXXX   S ignature Student  4.75   XXXX  Signature Student 4.5  XXXX  Signature Studen t 4.5   XXXX  Signature Student  4.5   XXXX  Signature Student  4.5   XXXX  Signature Student  XXXX   XXXX  Signature Student 4  XXXX  Signature Student  4   XXXX  Signature Student  4   XXXX  Signature Student 3.75  XXXX  Signature Student

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-11
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint involves a mortgage payment that occurred during the transfer of the mortgage from one provider to another. Regular payment in excess of minimum amount due on my primary residence, have been made on time for the past 14 years. They are made via bill pay, through my personal checking account. The notification regarding the transfer, new provider and payment forwarding information, was received on XX/XX/XXXX. The XXXX payment was processed by the bank on XX/XX/XXXX. This payment was sent to XXXX XXXX. The provider transferring the mortgage. The new mortgage provider is Shellpoint Mortgage and before any transfer notice was received. On XX/XX/XXXX the first mortgage payment to Shellpoint Mortgage was process through bill pay. On XX/XX/XXXX, I received a notice from Shellpoint Mortgage notifying me that the XXXX payment has not been received and is past due. This notice also indicated that an additional amount of {$400.00} was also now due, with no indication on how or why this additional amount was derived. I assumed it was a late fee. 

I then contacted Shellpoint Mortgage and was advised that the XX/XX/XXXX payment was never received from XXXX XXXX  and for me to provide personal banking information and supporting payment confirmation. I complied with payment history for XXXX from XX/XX/XXXX through XX/XX/XXXX and Shellpoint payments for XX/XX/XXXX and XX/XX/XXXX. This communication was sent via email to Shellpoint Mortgage. I received an auto reply indicating the message was received. 

I have not received any response from Shellpoint Mortgage as of XX/XX/XXXX. 

On XX/XX/XXXX I received a large envelope via regular first class mail. It contained a legal notice from Shellpoint Mortgage that the mortgage payments are behind and that they have the right to foreclose. It also indicated that the outstanding amount is {$2400.00} and that the credit bureaus have been informed about the late payment, missed payment or other default on the account. 

I am at wit 's end. I have contacted Shellpoint Mortgage twice and received no guidance and have sent two emails with supporting information with no response. 

Should I be forced to just pay the {$2400.00}? What confidence do I have that the credit reporting would be corrected. Should I be forced to re-finance? 

It should be noted that XXXX XXXX  has filed for chapt. XXXX protection and the preceeding company, XXXX XXXX has also filed chapt. XXXX.

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 explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2020-08-15
Company: EQUIFAX, INC.
State: DE
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:
XX/XX/XXXX I received an alert from XXXX XXXX about an inquiry from XXXX XXXX XXXX in my Equifax credit report. I had not requested services from them as I work for their biggest competitor & receive all needed services from my employer. I contacted both Equifax & XXXX XXXX XXXX about the matter as I did not request services. I was unsuccessful in getting Equifax however XXXX XXXX XXXX did investigate the matter found it fraudulent, gave me a reference number to account for the fraudulent inquiry ( found that my name & SS # had been used by a possible former family member without authorization or knowledge ) and submitted written documentation to the affect. I then requested for the information to be removed from Equifax both as an online dispute on XX/XX/XXXX & XX/XX/XXXX as well as a phone call on XX/XX/XXXX to which Equifax refused to remove the inquiry despite XXXX  XXXX XXXX sending written statements to the fraud.

Company response to consumer: Closed with explanation