BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
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:
While checking my credit report, I notice an account from XXXX XXXX/XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. I received a letter from them on XX/XX/XXXX, informing me of a collection company, XXXX XXXX XXXX XXXX, that had acquired my account. I sent them another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. It is now XX/XX/XXXX and I have not received an answer from them, and they are still reporting negatively on my credit report. I also sent certified letters to XXXX  and Transunion along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX  XXXX/XXXX  is reporting. So far, I have not gotten a response from them. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2018-10-17
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/18 I applied for CITI checking and Savings account under a promotion offering a {$400.00} bonus ( interest ) if requirements were met : deposit {$15000.00} combined new money to the accounts and maintain that balance for 60 days. I captured the offer in a screenshot ( attached ). I was the sole applicant, so I was the first signer on both the checking and savings accounts. 

On XX/XX/18, my initial deposit was credited to the checking account of {$500.00} via mobile deposit and then an ACH of XXXX on XX/XX/XXXX. An initial deposit of {$1000.00} was made via ACH to the savings account, and a subsequent ACH of {$2500.00} posted on XX/XX/XXXX. While I moved some funds between the accounts, the sum total of {$15000.00} was deposited by XX/XX/XXXX and maintained until CITI charged me an fee of {$25.00}, mistakenly, on XX/XX/XXXX. This fee was subsequently credited back to the savings account on XX/XX/XXXX. I maintained the {$15000.00} required until XX/XX/18. 

I contacted CITI on XX/XX/XXXX when I saw the fee charged, as I knew with a combined balance over {$10000.00} service fees were waived. I was told they had not " linked '' the accounts that I applied for in the single application, thus the combined balance didn't apply. I was told they would correct the error and credit the fee. When I asked if it would impact the offer I had applied under, the agent confirmed I was enrolled and indicated as long as the conditions were met I would get the bonus. 

I received notification on XX/XX/XXXX that I had not met the requirements of the offer because the required balances were not maintained. I contacted CITI customer service on XX/XX/XXXX to try to resolve the problem. The customer service agent, " XXXX '', eventaully agreed that the total was maintained and submitted a promotional dispute on my behalf. The case number was XXXX. 

On XX/XX/XXXX I received another email again telling me I had not maintained the balances during the offer period, which apparently was CITI 's resolution of the dispute. 

Since CITI had {$15000.00} of my money on deposit from XX/XX/XXXX until in XX/XX/XXXX, clearly I had in fact maintained the minimum requirement. The only time the amount was reduced was when CITI mistakenly charged me a service fee, which they immediately agreed was in error. However, since they didn't refund the fee until XX/XX/XXXX, they are claiming I didn't maintain the appropriate balance and are not paying me the bonus {$400.00} to which I am entitled.

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 2023-04-06
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I attempted to make a rent payment to my landlord using zelle via XXXX XXXX. The transaction confirmation email showed my landlords name and they did not receive the money due to two digits in the phone number being reversed. I called the bank within the hour to report the issue. The bank investigated and refused to return the money that was given to an incorrect person despite the name on the confirmation being different from the name of the person receiving the money. The bank told me to contact zelle. Zelle proceeded to tell me to contact my bank and the person that received the money both accepted the money as well as refuses any attempts at contact. The amount in dispute is {$1800.00} usd of rent money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Circle Internet Financial
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear CFBP, I would like to file a complaint against XXXX ( Circle Internet Financial Inc. ) I have transferred USD to my XXXX account, and unfortunately, I have misspelled a letter in the reference code. Therefore, XXXX has reverted my USD transfer, causing me almost three times more transaction fees. 

After six days, I started to follow up on my payment, and then it turned out that the transaction fee for my initial payment from XXXX to US was approximately {$65.00}, the fee for the reverse transfer from US to XXXX was approximately {$35.00}, and the fee for retransferring from XXXX to US was {$65.00}. Therefore, the cost of the transfer was about {$160.00} instead of {$65.00}. 

Please let me know where can I file my complaint in order to get a refund or compensation. 

I look forward to receiving your answer soon. 

Best regards, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: 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 XXXX days and i haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Seterus, Inc.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2016 the borrower passed away I called them told them I was on XXXX and he had passed away and left me some life insurance they said I had to wait a year and after the year they said they don't refinance .... They also denied modifications I applied for now I had to sell my home of 15 years

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 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not consent to authorize nor benefit form the following account ( S ). Block and Remove

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 2019-11-19
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
For the last several weeks I along with my wife have been searching for the best balance transfer credit cards with zero percent Annual Rate and zero balance transfer to include the transfer itself. I finally found the Discover It card so I called the number XXXX at XXXX hrs. onXX/XX/2019. I explained to the agent my specific question on if the zero percent balance transfer applied to the initial balance transfer also and she replied yes. Some institutions will charge a 3 % fee. My wife being a XXXX  for 17 years had me place the call on speaker and ask the agent to please repeat it and she did. She then informed me to apply either online or by telephone and once I do they will perform the balance transfer. I did exactly as I was instructed to do. Today, XX/XX/2019 I received the card. I immediately contacted the number listed to activate and placed the call. As I provided all of my personal information to complete the transaction, the agent told me that there would be a {$270.00} fee for the balance transfer. I then explained to 4 agents which included Management my encounter with the agent on XX/XX/19 where she specifically confirmed for me the 0 % balance transfer. The complaint is that I was confirmed for a zero percent balance transfer to include the transfer itself and now they are charging me 3 % of the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a formal complaint against RS Clark and Associates located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX  and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, RS Clark and Associates has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: NC
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:
The information reporting seems to me that it is inaccurate, therefore I believe that this information is reporting illegally and is not compliant. I would like to have this information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I have been disputing accounts with the bureaus and have received no mail or any updates. I have stuff on my credit that needs to be removed. I have attached letters that I recently sent but there have been more.

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 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
No one is handling my dispute request ... I need for Experian to respond to my requests today. I want these negative items deleted now. 

XXXX XXXX UNVERIFIED ACCOUNT XX/XX/XXXX- XXXX UNVERIFIED ACCOUNT XX/XX/XXXXXXXX NOT MY ACCOUNT XX/XX/XXXXXXXX UNVERIFIED ACCOUNT XX/XX/XXXXXXXX MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/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 2023-04-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Under the Homeowners Protection Act, my mortgage holder is required to end PMI insurance once my principal balance falls below 78 % of the original value of the property. Fifth-Third Bank is my mortgage holder. 

I reached the 78 % number more than 3 years ago ( I will do further research to determine a more precise date ) but Fifth-Third insists I have to request PMI be ended. By law, that is true at 80 % of principal, but at 78 % I am not required to take any action at all. I have documents sent to me by Fifth-Third that say, " PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property. '' I can provide this documentation. 

My mortgage loan has been set for auto-pay since its inception and I have never had a late payment or missed payment. My loan has been in good standing at all times since its inception. 

The paper statements have hidden the existence of the PMI payment within the bucket of escrow items. Whether that is intentional or not I can not say, but it is at the very least suspect. I discovered the PMI payments in the online portal, where it is itemized. Upon review, the PMI is also documented in my form 1098 where it lists an annual cost of {$480.00} per year. I believe I am owed more than {$1400.00} in illegally collected PMI payments by Fifth-Third Bank. 

I have screen shots of a conversation I had with an agent of Fifth-Third as well as the person who took over the chat when I requested escalation. Those screen shots ( dated today XX/XX/2023 ) show the bank was made aware of the law, the timetable of the issue and their own documentation that matches federal law. They were unwilling to take any action unless I made a written request. This is in violation of the Homeowners Protection Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: Sentry Credit, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account, # XXXX, has violated my right 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for any purpose.

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 2019-10-12
Company: Experian Information Solutions Inc.
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:
On XX/XX/XXXX I disputed inquiries on my credit report with Experian to remove the unauthorized : XXXX XXXX also known as XXXX XXXX Then on XX/XX/XXXX I submitted a second dispute to remove the same inquiry. As of XX/XX/XXXX I received a response indicating after Experian investigation they found the account to be accurate. 

However, the XXXX  account found to be accurate was my XXXX   mortgage account i had since XXXX NOT the unauthorized inquiry from XXXX on XXXX for a XXXX credit card. 

I specifically ask Experian to investigate the XXXX XXXX. 

As a result of the completely wrong investigation Experian has removed 28 points from my credit score because of there error. 

XXXX XXXX  is for XXXX XXXX XXXXXXXX XXXX is credit CARD Therefore my credit profile has been impacted significantly with the inquiry remaining on my report. 

This left me compelled to write this complaint requesting my score to be adjusted and explain why your results of the wrong item on my report lowered my credit score? 

I am also still waiting for the removal of : XXXX XXXX INQUIRY TO BE REMOVED. 


Also there has been a XXXX alert placed on my report to show that there have been some unusual activity with all credit bureaus so why didnt Experian look in to the unauthorized inquiry?

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 2020-07-26
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I had three accounts with XXXX two years ago and suddenly they are not reporting on any of my credit files. FCRA states that paid closed accounts are to remain for 10 years on the credit report. They are quick to report negative information but positive information XXXX refuses to 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 2022-01-07
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022, I received a letter that synchrony bank/ Value city card closed saying too many revolving credit accounts with this account having no payments due and paid in full they closed it. I believe this is unfair because they have no idea that I had fraud on some of my accounts and just to close this one for basically no reason is really wrong. This account never had a late payment and balance was paid in full. I know this affects my credit report. Please look into this. This is completely unfair.

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 2023-08-30
Company: Experian Information Solutions Inc.
State: CA
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:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. Please remove these accounts ASAP.

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 2023-08-10
Company: Exeter Finance Corp.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I am writing to dispute the following information this company supplied to my credit report. 
This contract that I signed with this company shows that included with my payments a full warranty was included for this vehicle. Exeter Finance did absolutely nothing to negotiate or even ensure that this dealership stood behind this contract. So in all fairness they were the parties who breached this agreement by refusing to do anything about this vehicle being in service for the issue a total of ( 7 ) times for an engine issue which began less than 30 days after I took possession of the vehicle. 

I was completely candid with them during the entire process and over and over they told me that they were just the finance company and there was nothing that they could do. When in fact this is far from the truth, I was paying for my warranty which was folded into my car payment so it was entirely their responsibility. Because just like the vehicle belonged to them so did the warranty that was not being honored and they had every right to step in and make sure that the dealership was actually making the repairs as promised. But they DID NOT. So they breached their own agreement by attempting to leave me with a vehicle that was immobile, a warranty that was virtually worthless and a car payment to a company that would not offer me any sort of assistance or support. 
There is no conceivable way to separate the cost of the warranty from the cost of the vehicle because they are both outlined in the agreement. However, Exeter wanted to act as if these were two separate entities and their only vested interest was solely in the vehicle and not in whether or not the dealership would fix it, honor the warranty or even trying to help negotiate a deal for a suitable replacement. So therefore they voluntarily voided the contract by condoning the actions of the dealership and not making them culpable for their actions. 

It seems as if its easier for them to attempt make me the pay for their contravention, by attempting to attach this inaccurate information to my credit report so that this debt follows me for 7 years. I am aware of the law, and I am well aware that they did not follow through with this legally binding contract as it stated. Therefore this debt should be removed from my credit report immediately. 

Please see attached documents that support this claim.

Company response to consumer: Closed with explanation