BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-06
Company: CITIBANK, N.A.
State: GA
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:
/I stayed at the XXXX XXXX XXXX XXXX XXXX weekend of XX/XX/20. The gentleman that checked me in charged my card but said that he just put a hold on the card. I explained to him that he processed a charge as the card said " approved. '' He then tried to charge it again in which it said, declined. I explained to him that he was attempting to charge my card again which is why it was reporting as declined. I pulled up my credit card history to show him the {$760.00} that was removed from my balance. I received a letter under my hotel door the night before checkout saying my card couldn't be charged. I went and spoke with the accounting personnel explaining to her that my card was already charged. After a very heated exchange I gave in and gave her another card to charge to check out of the hotel. My debit card was charged {$810.00}. I was told that the {$760.00} hold on my account would fall off. When I returned home, I noticed that the charge was still on my credit card for {$760.00}. I called the hotel back and was advised that it could take up to 10 days for the pending charge to fall off. On the tenth day, XX/XX/20, the charge was still on my credit card. I called back and spoke with a manager, XXXX, which advised, " unfortunately there is nothing we can do. It's up to the bank to release the charge. '' I called the credit card company on three way with her and which the rep said, " its nothing we can do, its up to the vendor to remove the pending charge. We can only dispute the item once it hard hits on your account. '' XXXX, with the XXXX XXXX XXXX nor the Citicard rep did anything to address this matter. The credit card rep said the only option I had was to wait until 30 days for the account to refresh itself, in which the system would still see the account pending, and " possibly '' remove it. Today is XX/XX/20, and as you can see, my credit card is still showing a pending amount of {$760.00} from this hotel. I am a XXXX Rewards member and have traveled all over the world and never experienced the incompetence to this magnitude. The hotel staff fails to digest the fact that they have ultimate charged me twice for this stay. A competent hotel team would know that once the hold is placed on the credit card, the final bill is then charged, only billing what is owed, not holding the visit on the card and then charging the visit to another card. I need this item addressed ASAP. We are in the midst of a pandemic, and my husband isn't working and I have {$760.00} held up on a credit card due to the lack of regard by this hotel chain.

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 2019-09-01
Company: Financial Credit Service, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by a debt collector named XXXX XXXX from ARA Asset Recovery in XXXX XXXX IL. He said they were trying to collect a credit card debt from XXXX XXXX that was about 15 years old. I made a one time payment to him of {$130.00}. They then sent me two " agreements '' with 2 different amounts due. I did not agree to this but they sent them anyway and kept calling me. These " agreements '' were very confusing and upsetting. I did not enter into any " agreement '' and told them I needed to get more information. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
hello i am reporting that XXXX, XXXX, and trans union are all reporting my educational records on my credit report ... according to The Family Educational Rights and Privact Act ( FERPA ) states that you can not add any of my educational records to my credit report without my permission... i submitted a dispute through all three and they ignored it so i want to hold them accountable financially. the law states that each violation on my credit report is up to a {$1000.00} fine and i want this imposed on all three credit agencies for ignoring my first dispute for this exact reason.

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 2023-09-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting 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 GA XXXX REFERNCE NUMBER ; XXXX has violated my rights. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT NAME : XXXX, ACCOUNT NUMBER : XXXX HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Request for Credit Reporting Information Update Dear CFPB, I hope this message finds you well. I am writing to request an update to my personal credit reporting information to ensure its accuracy. The correct information is as follows : - Name : XXXX XXXX XXXX - Date of Birth : XX/XX/XXXX  - Address : XXXX XXXX XXXX, XXXX, MI XXXX Kindly review my credit report and make the necessary adjustments to reflect these accurate details. Having up-to-date and correct information is essential for my financial well-being, and I appreciate your prompt attention to this matter. 

Please notify me once the changes have been made or if you require any additional information from me. 

Thank you for your assistance in ensuring the accuracy of my credit report. 

Sincerely, 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 2020-08-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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 2019-02-05
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: Account status incorrect

Complaint:
The account was closed paid and XXXX  balance but it continue to report account as late and it keeps affecting my credit report. Each year it places a annual fee and if I don't pay it is shows late. Even thru I am not able to use the account. I have disputed the accounts several times but it keeps coming back account verified. I tried to send a cert letter to address know to system but it was returned attempt unknown. I really need help because it keeps dropping points on my credit report and I am unable to apply for credit and its not my fault.

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 2023-09-12
Company: Click n' Close, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have received several pieces of mail from XXXX XXXX XXXX XXXX XXXX requesting my condo 's master hazard insurance policy. Upon the first request, I sent the information via email on XX/XX/2023 along with their reference number on the subject line as requested in the original letter. This was sent in far ahead of the deadline stated on the original letter. The email when that information was transmitted is attached to this complaint. 

Today I received a notice that hazard insurance was placed onto my mortgage, despite me having sent evidence of hazard insurance purchased by my association. This is the XXXX  year that this happens with this company and this shows more of a pattern of predatory incompetence in order to levy additional insurance policies onto unassuming homeowners. As seen in the attachment, Click n ' close purchased a hazard policy in the amount of {$1500.00} based on their inability or unwillingness to locate the email with the existing policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 1692 Account name : XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

15 USC 1692. ( B ) 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

Also your company only has a license to collect debt in XXXX states. Those states are : Connecticut, Idaho, XXXX, Maryland, Massachusetts, XXXX, New Mexico, North Dakota XXXX Oregon XXXX Rhode Island XXXX Wyoming XXXX Which is verified on https : XXXX. 

Remove this account immediately!! 

Sincerely, 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 2018-12-05
Company: COLLECTION BUREAU INCORPORATED
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 I was served a summons to court because my wife and I were being sued my XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX aka Collection Bureau , INC. ISB No. XXXX Case No.  XXXX. 

They are attempting to collect a debt on behalf of the City of XXXX Idaho fora utility bill in which I had no idea that I owed them. I have never received any form of communication from the city, or collection bureau neither oral or written. I did a transfer of service from XXXX to XXXX Idaho XX/XX/2018. I have since then paid all of my utility bills as well as all of my other bills, because I am a responsible person in ensuring a roof stays over my childrens heads. I called the City of XXXX on XX/XX/2018 to let them know I had no idea I owed them money and that I could pay them right now on the spot. They said that they sent notifications to my previous address even though I had moved out of that residence. So of course I did not know I owed them money, no phone calls no nothing. 
Nonetheless I offered to pay them ( XXXX ) what they say was owed in the amount of {$160.00}. The City of XXXX then told me that they have an agreement with Collection Bureau INC that once something has been turned over to them that they will not accept a payment from the consumer/residence/citizen.

I then called Collection Bureau INC same day on XXXX XXXX. They claim to have sent me a letter on XX/XX/2018 and since I failed to respond they decided to sue me. I absolutely did not receive such a letter, but since they did not get a returned letter they deemed it valid. 

Collection Bureau INC., now claims I owe them a total of {$630.00} deeming any all fees, interest charges, filing fees etc. etc. whatever they choose to make up out of thin air. I unknowingly owed the City of XXXX. I never received a chance to dispute a debt of XXXX dollars Collection bureau inc claims that I owe them.as I have the right to do so under the FDCPA statute of 15 USC 1692g Ive only discovered this by being summoned to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I lost XXXX points on my credit score over a student loan that I don't have.

Firstmark service comes up with the incorrect information. My son has a student loan who is the primary owner and is still in school. Even if he is paying a little of his loan now I should not be blame or points taken away on my credit score. Please advise. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2020, I sent credit dispute letters to Experian and XXXX  via certified mail as I saw that my credit report was reflecting inaccurate 30 day late payments ( 2 ) with XXXX XXXX XXXX for an auto loan that was already paid off. I submitted my proof of evidence ( copy of bank statements, emails and CA ID ) of payments, the account numbers, and all the pertinent information that would help the bureaus with their investigation. It has been 83 days as of today and I have yet to hear back from either Credit Bureau. I have been patient but this has gone on far too long. I have yet to hear from the bureaus, and when I tried to do dispute this online, I got an email from Experian stating that the investigation would be completed in XXXX. I don't think its fair to extend the investigation another month, when I've already waited almost 3 months already just in trying to get a response from the bureaus. It is my understanding the under the FCRA, that the credit bureaus are obligated to respond within 30 days to ensure the correctness of the reported information. More importantly, if the disputed items are inaccurate or can not be verified that they are removed from the credit report as well.

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 2019-09-01
Company: PNC Bank N.A.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
A car dealership fraudulently falsified my original contract and all previous paperwork that I have signed by removing my bank information and get a loan from PNC under my name while I walked in to the dealership with my approval letter from my personal bank that I have been banking with for 10 years. 

Suprisingly, PNC underwriters still approved the full amount of the loan without contacting me while they see that all the documents submitted on my behalf have my original bank name crossed out and my initials were not even provided. 

Since the contract has been modified without my consent and I never signed a loan with PNC, I refused to go pick up the car but PNC still not yet removing the loan from my name. ( I know PNC team is currently working on resolving that fraudulent activity but I feel the process is taking too long before they remove that loan under my name )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Claim # XXXX is not yet resolved. It was reconsidered and then it got denied again. Why?? This claim is {$1100.00}, XXXX {$250.00} on money order.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: JPMORGAN CHASE & CO.
State: NJ
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:
I applied for a Chase XXXX XXXX XXXX card online around early XX/XX/XXXX this year. The Chase Bank 's screen stated regarding the annual fee {$0.00} intro annual fee the first year, after that {$95.00}. This is universal for all airline credit cards in the U.S. 
I got my card in the mail on XX/XX/XXXX, and I started using it almost immediately. When I checked my credit card account on line on XX/XX/XXXX, I found the bank charged me {$95.00} on XX/XX/XXXX. I called the XXXX number, spoke with the representative, and was informed that I agreed to the charge on my online application. 
I then went to the local branch office the next day, and was informed by the branch manager there that had I applied thru the branch office, I would not have been charged any annual fee, let alone {$95.00}. Since I applied online, the branch could not help me. 
I am completely horrified by the revelation and the deceptive advertisement done by a big national bank, such as Chase. 
I have 2 questions now for any Chase lawyer to answer for me : 1. How could Chase advertise online for a {$0.00} intro annual fee the first year ( see attachment ), and then charge {$95.00}, citing fine print? 
2. Why are application for credit cards thru bank branches and online so different? Shall we not trust Chase online anymore? It feels like a scam. As a concerned citizen, I want an answer. 
I insist that Chase card cancel the first year annual fee immediately. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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