BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-30
Company: CITIBANK, N.A.
State: MT
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2018 we immediately noticed a fraudulent {$1200.00} charge on our Citibank Credit Card. Because it was late on a Saturday night, we went on line and marked it as fraudulent and were informed that new cards would be mailed to us. I called back on the XXXX because the charge now showed up on our new card. I was told not to worry, that the charge would be gone in 5-7 days. I called back on the XXXX, 8 business days after the first call. I was told that the call on the XXXX didnt report anything as fraudulent and that she would take care of it and it would be gone within 5-7 days. 

I called again on the XXXX ... over 21 days since the original fraudulent report. I was told, again, that it was not in the record and being reported as fraudulent. This time I was transferred to Security & Investigations. He asked me where I kept our cards, did anyone else have access, did I file a police report and did I call the number on the charge to see why they had charged us. We do not have a XXXX account and we have never received personal services from Miss XXXX XXXX so I said NO!! I was then told that each fraudulent transaction is put into a que and handled from there and that it could takes 10-12 days ( business days ) to investigate and then another 5-7 days for the charge to actually be reversed. He apologized that I was not told this on my 3 previous contacts and that they would report my discontent with their process. Yah right! 

Well see. My main concern is that this charge was allowed to remain on our account and is part of the balance due right now. I was told to just subtract the amount from my payment, but I am very skeptical that I wont be charged interest and/or penalty for not paying the correct amount. 

This was incredibly frustrating

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 2022-05-13
Company: JPMORGAN CHASE & CO.
State: CA
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 got a message from XXXX saying I was 30 days overdue on a payment on a card that I was unaware of I did not open this account with chase bank I have never had a chase bank account I called Chase bank and canceled the account and let them know that it was not me who open this account the charge was for XXXX dollars and some change it was something for XXXX it was not mine I then called XXXX and requested a fraud prevention as well as it to be removed from my XXXX credit report a lost XXXX points and Ive been trying so hard to bring my credit up I wouldnt open a card and not pay it especially over something so small You can look at my credit history and payment history I would not miss it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: TN
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 act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third Bank purchased my mortgage from XXXX Mortgage on XX/XX/XXXX. 
I made my first payment on XX/XX/XXXX for my XXXX payment and set up auto-pay with my bank. 
Escrow changes changed the payment in XXXX resulting in a short pay on my part. I paid the difference and assumed everything was fine. Without my knowing, Fifth Third applied both the short pay of {$1300.00} and the difference payment of {$68.00} to my principle instead of my payment. I continued to think I was paying three weeks early and Fifth Third showed my always paying on the XXXX of the month the payment was due. This was not a late payment on their part so they never mentioned it. Fast Forward to the escrow change in XXXX. I adjusted what I thought was the correct payment but I was off by one month due to the issue in XXXX. This is when I discovered what happened. I asked for a review and correction. After a week, that request was denied. I paid the difference over the phone which brought my account back up to date. Then they sent my original short pay back to me. I called to explain but they told me I overpaid and that is why they sent it back. I knew this was wrong. I deposited the money in savings until we got it worked out. The following week my credit score took a hit from Fifth Third Bank reporting me late. I called back and was advised of the numbers to call to protest. 
The following week I got a note from my bank that Fifth Third had stopped payment on the check. I had to pay an additional {$5.00} fee. 
So another call to Fifth Third resulted in the following : XXXX. They will not correct the credit score issue. That is my fault XXXX. They will not send me {$5.00} to off-set the fee from my bank for the stopped payment. 
They advised I should have known not to deposit the check they sent to me. The letter advising they were sending it back is auto generated. The Agent I spoke to when I made the extra payment advised she would try, she never said if you get a check tear it up. 
And when I called about receiving it they never said they were stopping payment. 
I have had mortgages since XXXX. I have never dealt with such a poor run company that takes such terrible care of their Customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been in repayment for my student loans with Navient ( formerly Sallie Mae ) since XXXX. I was told by a XXXX XXXX representative many years ago that after 25 years my loans would be forgiven. After I was told this, I wanted to verify it with Navient and the representative there lied and told me my loans would never be forgiven. Recently I received correspondence from Navient stating that after 25 years of " qualifying payments '' my loans would be forgiven. I sent an email requesting to know when my loans would be forgiven since I am nearing the 25 year mark and I was told it wouldn't be until the year XXXX. I am wondering why Navient did not disclose to me what the requirements are for " qualifying payments '' so that my loans could be forgiven after 25 years. My balance is now over {$300000.00} after years of interest growing at over 7 % and now they want to continue charging me interest until XXXX. Navient should have let me know what I need to do to meet the requirements of making " qualifying monthly payments '' so my loan could be forgiven after 25 years. I feel they have really taken advantage of me and are trying to make as much money off of charging me interest that they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX failed to provide loan verification letter. Proof sent to XXXX to have account updated or removed. Account was closed and charged off. XXXX is still reporting late payments to XXXX, Transunion, and 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 2023-07-04
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I own a Home Depot Credit Card which was last used by me in XXXX. In XXXX, XXXX Home Depot sent me an email of suspicious activity on my credit card, cancelled my card and sent me a new one. I called to come to know that someone claimed to be my daughter and bought items worth $ XXXX in XXXX NY. I live in NJ, never ever have been to XXXX NY, and moreover we do not have a daughter. They filed my complant and promised that it will be investigated. 

Meanwhile, some time later we found that that fraudulent trasaction was transferred to my new card they have issued, and were sending me bills every month to pay. They have also reported the matter to credit bureau and that has been affecting my credit history massively. I called again and they claimed they were unable to resolve and that I should file a police report. I did so and sent them in writing to resolve the case ASAP. I have also sent them the police report number along with the letter. Off late I do see that I was getting billed every month, my credit score going down and there was no action taken. 

Every time I contact Home Depot ( CitiGroup ) fraud department, they notify me that they were unable to resolve the case, as my phone number and driver 's license was used to increase credit limit which was rquired to be investigated further. Each time they will open the case again and will ask me to wait 30-90 days for any outcome. We have reported the matter to XXXX, after which CitiGroup notifed me that they have done the highest level of investigation and did not find the transaction to be fraudulent and that I will be responsible for it. 

This is a clear case of serious identity theft as my phone number and driver 's license have been compromised. I live in NJ, the $ XXXX transaction was made in XXXX NY ( I have never been there ), by my non-existent daughter. The last time I used this Home Depot Credit Card was in XXXX from the Home Depot store which is within a mile of my current residence. I need CFPB 's help, as I believe the investigation done by CitiGroup all this time was inadequate, and this has affected by credit score adversely, which is not allowing me to pursue favorable mortgage refinancing. Thus I am financially is a lot of problem for no fault of mine. 

I will attach the police report, FBI complaint report, Home Depot Credit Card fraudulent bill and the last letter from Citi Group declaring me to be responsible for the fraudulent transaction. 

Please do the needful to help me get out of this issue at the earliest possible convenience.

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 2023-09-07
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My two checking accounts, one savings account and one credit card all got closed with no prior notice or warning. Now I am being treated like a criminal, no one will talk to me ( except customer service, they transfer me, but no one ever picks up or calls back. ) I received letters dated XXXX  but my accounts were cut off XX/XX/, and I did not receive the letters until long after all this action had already taken place. 
No one will tell me when my money will be released, and I also am charged a wire charge fee I have never been charged before for no reason, as I am conducting legal business with legitimate vendors, and should not have incurred an extra charge while my money has been frozen and unavailable to me for almost two weeks now with no projected date of return, and no discussion from the bank as far as the process of returning MY money they are holding.

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX  Account # 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 a 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.

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 2022-11-07
Company: WELLS FARGO & COMPANY
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XXXX caused me to get behind, Where I work everytime someone is sick they get tested then everybody else in the office has to go home for 11 days and get a negative test to return. This has seemed to happen numerouse times each time cosyting me 11 day of income. 
Contacted Wells Fargo Auto and made some double payments they keep sending a right to cure default with very limited time to pay. I sent them a letter stating that Wisconsin law states you can not repossess a car if there is a breach of peace and the mere objection constitutes a breach of peace. Hoping they would allow me time to catch up and they said tehy do not care they will go ahead. Wisconsin law only allows for remedies after an illegal repssession not before and I need the vehicle to get to work. 
The last right to cure default only had me two payments behind one late and one very recent Please help me 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 2023-07-04
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company is LVNV FUNDING - company started off by sending a post card in the mail for me to verify my address. The lawyer stated they did not have to validate anything which based on the FRCA Laws I have the right to get validation. However the judge decided not to grant me that courtesy. Yet here is the creditor asking me yo validate my ss # after the debt resolution company is trying to work out an agreement.

Below is what was written to me by the Debt resolution company. 

The initial budget of {$750.00} was to be used for restructuring all of your creditors. The monthly amount allocated for LVNV from your budget was {$61.00}. 
Since the settlement that they offered called for monthly payments of {$110.00}, which exceeds the amount we allocated ( {$61.00} ), the additional {$30.00} will leave us with a sufficient budget to present offers to your other creditors. 

I hope this cleared up any confusion. 

Also, the agency handling the debt is requesting that we confirm your SS #, as the one we have is different from what they have on file. 

This needs to be stopped and these companies need yo not usurp the law when they choose to. I am tired that the FTC does nothing about these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 act XXXX XXXX XXXX Account # XXXX and XXXX XXXX Account # 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 a account without my written instructions.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
disputed the accurcy of the information being reported is inaccute and doesnt belong to me accourding to statement the company made no vercation to origal creditor was made and this account is not verifed

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 explanation
Consumer complaint received 2023-06-29
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a XXXX XXXX credit card which I am unable to use. I have been paying {$100.00} a month for over a year but the amount owed never goes below {$700.00}. I have had several issues with Comenity Bank and I really can't deal with them. I'm XXXX XXXX XXXX and every time that I have called them my XXXX and XXXX XXXX elevates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-29
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our new mortgage company, Shellpoint Mtg, took over our mortgage right before Covid. I lost my job in XXXX like many Americans and struggled to pay the mortgage out of savings until we couldn't and requested forbearance around XX/XX/XXXX of last year. We've been in forbearance for the past 6 months ( which doesn't end for us until the end of XX/XX/XXXX ) and suddenly received a letter from the mortgage company last week with a PAST DUE amount of {$7200.00} which they will start reporting to all credit agencies XX/XX/XXXX. We were shocked and contacted the mortgage company to explain that I was still unemployed and the need the forbearance in place while I look for a job and would like the amount owed to be deferred to the end of the mortgage schedule. They explained that they refuse to allow me to stay in forbearance ( as I have no job ) and that I either need to pay {$7200.00} to avoid the negative reporting, or I could come off forbearance ( to begin monthly payment ) and request deferment at that point which would avoid the negative reporting. 

How am I supposed to look for a job which requires me to have decent credit, with a demand of either pay {$7200.00} right now or end your forbearance and then we'll agree to give you deferment. It's like they got me trapped and I have no choice when I don't have any options. 

PLEASE HELP - this can't be legal that they can negatively report that I am delinquent while I'm in forebearance. That just doesn't make any sense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
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: Public record information inaccurate

Complaint:
Experian claims that it has verified the accuracy of the bankruptcy that is reported on my credit report. Experian also claims : " The public record vendor ( s ) responded and  verified that the disputed information was accurate as reported. The results summary for the disputed items was forwarded to you on XX/XX/2017. '' Experian has failed to provide the NAME and CONTACT info of the vendor in the correspondence in its XX/XX/17 correspondence. 

Experian HAS FAILED TO SATISFY the req 's of FCRA. 

Please prosecute Experian to the full extent of the law for its BLATANT attempt to NOT follow the law. 

It is an UTTER DISGRACE at Experian 's UNLAWFUL behavior and that it fails to rectify the matter. 

Thank you, 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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I just received my new credit report for TransUnion and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 


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 explanation