BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-17
Company: TD BANK US HOLDING COMPANY
State: CT
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:
Every month on the XX/XX/XXXX/XX/XX/XXXX I get a {$10.00} charge from XX/XX/XXXX XXXX CA for over a year now. A year ago the charge was XXXX dollars a month, and I have 0 XXXX subscriptions I have attached this card to. With my previous credit card that has now expired, I disputed the charge with TD bank and they gave me a new card, but the charges have returned again. When researching the phone number, I have discovered that this is a common credit card scam that needs to be reported and disputed with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: CITIBANK, N.A.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Unexpectedly, in XXXX of 2023, instead of adding interest to my account each month, Citi Financial charged more than XXXX dollars in interest putting me XXXX over the limit. It then charged our family bank account XXXX dollars to cover the penalty with no warning. I was not anticipating going from XXXX dollars payments per month to XXXX nor having XXXX dollars interest over the credit limit slapped on in one month.

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 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2019 This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2019 This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. The inquiry was not authorized XXXX XXXX I Date of inquiry : XX/XX/2019 This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2019 This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
7. The inquiry was not authorized XXXX XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in 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 2021-09-15
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: Public record information inaccurate

Complaint:
Trans Union is reporting fraudulent info I check my credit report on XX/XX/2021 and saw some miss leading information on credit report and it was privacy information and all of the information was false, incorrect and fraudulent information reporting on my credit report and all of this information need to be removed. Bye law The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) protects personal financial information collected by consumer reporting agencies. The Act limits those who can access such infomation, and subsequent amendments have simplified the process by which consumers can obtain and correct the information collected about themselves. The FTC also actively enforces prohibitions on fraudulently obtaining personal financial information, a crime known as " pretexting. ''

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 2021-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had an account with capital one. They closed the account with out any warning at all. causing me to have fees from transactions that were already out. Also they took it upon themselves to put the funds into another account that should have never received any deposits. They refuse to pull the money back and issue a statement that they deposited the funds in the wrong account. This transaction sets a president that comingles funds that should have never be combined. This could put me in a serious position. Capital one has changed so much over the years that support is basically nonexistent. The are not following proper procedure and are doing harm to its customers. Please assist in getting me InTouch with an actual person that has some authority to actually fix issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the address you have on file for me. The address you have listed, XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX, is incorrect. My correct address is [ Your Correct Address ]. I am writing to request that you update your records to reflect my correct address. 

I have confirmed my correct address with my local post office and on my official documents. I have also included proof of my correct address with this letter. I request that you update your records as soon as possible to ensure that all future correspondence is sent to my correct address. 

Please confirm in writing when my address has been updated in your records. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

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 2023-03-03
Company: CITIBANK, N.A.
State: CA
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:
Annual fee for the Citi Premier card posted on XX/XX/XXXX for {$95.00} for second year of card ownership. I called Citi in EARLY XXXX within days of the annual fee posting to downgrade my card to a {$0.00} annual fee Citi Custom Cash card and was told that I would be getting a FULL refund of the annual fee. That was not the case as I was only recently credited the amount of {$79.00} on XX/XX/2023, MONTHS after the fee posted. This is contrary to what was promised, and I should be owed {$15.00} plus interest as Citi had held the funds for nearly two months. This is unacceptable and deceptive business practices.

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 2021-02-17
Company: U.S. BANCORP
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
From XX/XX/XXXX until XX/XX/XXXX, I had been making regular, timely payments above the monthly limit, to this credit card account, effectively paying off the credit card in XX/XX/XXXX. I even had a credit from the company for overpaying in XX/XX/XXXX. 
On or about XX/XX/XXXX, I received a letter from " XXXX XXXX '' stating my account was " past due '' and " because of [ my ] payment history, we have reduced your credit limit to {$500.00}. '' I had a late payment for the month of XXXX, apparently. However, the suggestion that my payment history was anything other than exemplary was false and inflammatory. 

Further, the letter did not come from the company with whom I had the credit card, but rather from an anonymous-looking, and frankly, fraudulent-looking " Cardmember Service ''. In no place in the letter did it identify the company I had the card with, and only provided the last four digits of the card. The address of this " Cardmember Service '' did not even match the address of the credit card company to whom I send payments, further raising my suspicion about the legitimacy of the letter. 

My previous credit limit was {$24000.00}. By reducing my credit limit by {$23000.00}, Elan Financial Services effectively lowered my credit score from XXXX, an " Excellent '' rating to XXXX, a " Average '' rating. This extreme reduction in my credit score eliminated my ability to qualify for a competitive mortgage refinancing interest rate, thereby costing me thousands of dollars by eliminating my ability to apply for mortgage refinancing. 

I called the company on XX/XX/XXXX to inquire as to the reason for the extreme reduction of credit, to express my frustration with their action, explain the detrimental effects of their action, and request a reinstatement of my credit limit. The representative suggested I speak with their " consumer recovery '' department. When I was transferred to this department, my call was routed then back to start over at customer service. Their only response was to suggest I reapply for a credit increase. Such an action would reflect a hard check on my credit report and further diminish my credit score, so I firmly declined this action. 
On XX/XX/XXXX, I called again after my account being fully paid off to request a return of my original credit line, and they again said I would need to reapply for a credit increase. 
Due to their misleading, unjust and personally damaging actions, I promptly closed the credit card and will never do business again with any credit company affiliated with Elan Financial Services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have repeatedly asked for copies of my payment record that show late fees charged. Ally has yet to provide one. Now I am at the end of the payoff on this loan and I owe almost nothing but late fees. Even during the pandemic no late fees were waived and I suspect I have been charged late fees ON my late fees! In addition, Ally has charged both of my banks so many times I had to place stop payments because if the funds aren't there I am charged by my bank each time Ally tries to take the ACH debit, and Ally will continually hit the bank on a daily basis until the finds are there. No cooperation whatsoever, and I am absolutely fed up.

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 2021-02-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  {$4400.00} XX/XX/2019 Not my account, my identity was stolen at a previous address of mine that contained some of my personal info. They got ID 's in multiple states in my name, which is why I only carry a passport now. 

XXXX XXXX XXXX {$2500.00} XXXX This is a debt from XXXX XXXX that was already settled with XXXX XXXX and was flagged as a fraudulent account. The debt was removed once they found out the account was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.

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 2023-11-01
Company: Nelnet, Inc.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have spent several hours trying to reach Nelnet. I am currently enrolled in college at least half time. They should have me in in school deferment but they are saying that my payment is past due. I don't know what else I can do to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Capital Credit and Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a debt in collections with Capital Credit. The original debt was filed under the XXXX XXXX XXXX. It is for an unpaid fulfillment of a prescription, which was ordered after my insurance plan expired. The original debt is for {$5300.00} ; but Capital Credit is trying to charge me {$6100.00}. I assume the difference in price is because of interest/fees, but as I understand it, the creditor has no right to charge me interest or fees unless there was a contract with the original business to which I owe the debt, which permits the charging of interest or fees. In this case, there wasn't. The prescription was ordered after my insurance policy had lapsed, and therefore if there were any language in the policy that permitted the accrual of interest or fees, it does not apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I worked with the Chime Bank company two set up two direct deposits with the company I worked for. They have not helped or assisted me to get my funds. This company 's customer service is bad. They barely speak any XXXX. Would you please help me with the problems they have given me. Your help is appreciated in this situation. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX XXXX {$4600.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$400.00} XX/XX/XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: LA
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:
Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. 

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate.

I dispute any debt these companies claims to have on me.

You must stop all collection activities. Do not call my telephone number. If you were ever giving permission to call this telephone number I am revoking that now.

My demands are : For you to provide me the audit trail This is what I need included in the audit trail : * Account file * Ledger * All accounting documents * The transactional history

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 2023-04-24
Company: Klarna AB
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dear Sir/Madam, I am writing to you to express my formal complaint regarding the high interest rates that I am being charged on my installment loans with Klarna. As a consumer, I believe that I am entitled to fair and transparent lending practices that are in line with the relevant consumer laws and codes of banking. 

Firstly, I would like to highlight the fact that I am currently not working due to medical issues, which has led to financial difficulties. Despite this, I have been diligently making repayments on my loans, but the high interest rates have made it extremely challenging for me to manage my finances effectively. 

I am aware that there are specific regulations in place to protect consumers from credit card debt and other forms of predatory lending practices. I believe that Klarna should be adhering to these regulations and providing me with a fair and reasonable repayment plan that takes into account my current financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I've been in default with my loan servicing company, SN Servicing Corporation. Although a moratorium on foreclosures was effective in California as of XX/XX/2020, the loan servicer and foreclosure trustee, XXXX XXXX XXXX moved forward with a non-judicial foreclosure at XXXX in XX/XX/2020. The sale reverted back to the loan servicer and owner of the note, XXXX XXXX XXXXXXXX XXXX, as Trustee of the XXXX XXXX XXXX XXXX. 

SN Servicing breached the California governors executive orders of banning foreclosures as a foreclosure took place at XXXX in the morning. Now, the attorney representing the investor has filed for eviction against me. There is a moratorium prohibiting evictions in California until 90 days after the Governor 's general order has been lifted. However, they are breaching any and all agreements. 

I would like action from the CFPB to investigate the foreclosure sale and investigate the eviction practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: MA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : EXPERIAN : 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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