BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-14
Company: CITIBANK, N.A.
State: NY
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:
Noted on XX/XX/XXXX, a dispute was filed with citibank with merchant XXXX XXXX XXXX XXXX on an order made on XX/XX/XXXX for {$600.00} ( order number XXXX ). The customer didn't receive most items that were ordered and when reaching out to the merchant, the merchant claims the order was " split ''. After multiple weeks pass and the customer constantly reaching out to the merchant for a resolution, the order was " esculated '' for which there was no response or a solution. Customer reached out to citi bank for assistance of the dispute on XX/XX/XXXX. Citi finalized the problem stating the customer must provide a " credit slip ''. Customer unable to obtain a credit slip as the merchant XXXX XXXX XXXX XXXX will not respond to any phone calls or email inquiry of the order. Citi claims there is nothing they can do, as a " credit slip '' is not produced. How can i produce a credit slip when the merchant will not respond to inquiry but the email chains show they acknowledge that they didn't send all the items.

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 2022-07-07
Company: EQUIFAX, INC.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX  Account # 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  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 2023-02-01
Company: CITIBANK, N.A.
State: TX
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 account, has violated my rights.

15 USC 1681 Section 602 Staes 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 1666B : A creditor may may not treat a payment an a credit card account under an open and 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 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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/2021, I wrote Transunion a dispute letter asking them to verify a bankruptcy that is listed on my credit report. Transunion then responded back to my dispute letter on XX/XX/2021 and stated that they verified the bankruptcy on my credit report as accurate from a third party we hire but the third party is not the furnisher of the bankruptcy. I went to the United States Bankruptcy Court in XXXX, NJ and verified with XXXX XXXX, Case Manager Supervisor via a written letter that they do not share or furnish information to the credit bureaus. The original furnisher is United States Bankruptcy Court in XXXX, NJ and NOT any other third party that Transunion hires and claim that they are the furnisher. This is false information. 


I wrote TransUnion another dispute letter on XX/XX/XXXX and asked them to remove the bankruptcy due to inaccuracies which are damaging my credit report as they have falsely and illegally verified the bankruptcy in which Transunion responded back to me on XX/XX/2021 indicating that they are investigation the dispute again and will send me the conclusion of their investigation. Transunion then sent me another letter on XX/XX/2021 indicating that they have updated the information on my credit report after already illegally re-verifying it AND illegally claiming the bankruptcy as verified on XX/XX/2021 and the status that they put on the XX/XX/2021 response letter after claiming to have updated the file AFTER claiming they already reverified the bankruptcy as not specified. Transunion is claiming that they verified the bankruptcy remark, however I froze all third party bureaus on XX/XX/2021 XXXX it would be impossible to verify the bankruptcy remark when all of my third party bureaus are frozen. )

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 2023-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Yes I have contacted the claims administration from capital One bank there is a hold on my account the releasing officer has filed a case with the account claims administration and is working to restore the identity of the case with the claims administration. I have the email XXXX XXXX XXXX  and I updated the claim case number that placed a restriction on my account with case number XXXX. I have the claims administration number ton capital one bank XXXX. I would like to contact capital one bank let them know XXXX  account can not withdraw funds and our balance was sent to block fi wallet from our business account from the bank director XXXX XXXX and left the bank compromised from XXXXXXXX XXXX XXXX XXXX data breach which sent the payment to capital one bank through plaid banking agreement with the trade transfer agreement and I had to waive the charges and file bankruptcy with XXXX infrastructure and XXXX XXXX  wallet was blocked from sending any payments to online banking with my active account. I would like to file my direct deposit and have it sent with my form 3911 from the IRS that has my direct deposit from 2021 voucher was stolen and did not return to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed an account Experian is reporting and they still have it listed which should NOT be so I took it upon myself and got a notice from the company here it is because they can not do their job. I want this REMOVED!

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 2022-07-07
Company: Experian Information Solutions Inc.
State: TX
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 bank account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX Bank account XXXX XXXX Has Violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not Furnish a account without my written signature or 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 explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
In XXXX and XXXX I was having issues with Wells Fargo rearranging my funds so that I overdrafted and was charged late fees. I want to be included in the class action lawsuit.

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 2021-08-11
Company: OneMain Finance Corporation
State: ND
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I made a payment of {$5400.00} on XX/XX/XXXX. On XX/XX/XXXX, an automatic payment for {$120.00} paid the remainder of the balance. OneMain claims the payment of {$5400.00} was returned by my bank, XXXX. The payment was not returned and it was debited from my account. I provided OneMain with my XXXX bank statement showing the payment was not returned. My online account with OneMain does not show this payment was returned in the payment history. I have made several requests to OneMain to provide documentation to support their claim. They have not provided documentation. I have only received a letter from OneMain declaring they confirmed the payment was returned after completing a thorough review. In the same letter, OneMaine stated the payments totaling {$13000.00}. {$5200.00} toward interest and {$8600.00} toward principal. The original loan amount is {$8200.00} which means, per OneMain, I have paid back the principal balance. This issue is still unresolved Additionally, the statements for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX indicate there is Monthly Obligatory Amount Due as {$0.00} with a Past Due Amount of {$5300.00}. OneMain claims when the system the payment was made, it satisfied the monthly payments to XX/XX/XXXX but when the payment returned and the system reapplied the balance it will not undo the payments. This process is harmful to customers because it is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: Pinnacle Asset Management, LLC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I rented an apartment at the XXXX at XXXX XXXX XXXX XXXX and moved out of the premises XX/XX/XXXX. I was told that I would have to pay the relenting fees of early termination of lease of {$700.00}. I contacted the apartment because I had received a bill for approximately {$2400.00} from a collection agency called XXXX XXXX XXXX XXXX On numerous attempts. I tried to get the issue resolved with the correct amount being owed. I spoke with the apartment staff that made an adjustment and indicated that they did see an error in the amount that I owed and would adjust it. The adjustment was made to {$1400.00} I tried on numerous attempts to advise the collection agency of the correct amount and they told me they needed a copy of the corrected ledger. I submitted a copy of the corrected ledger, then they said the copy had to come from the apartment complex directly. The apartment indicated they sent a copy over as well. I made an initial payment of {$430.00} toward the balance and had made arrangements to pay the balance of {$1000.00} on XX/XX/XXXX. I got laid off work and contacted the collection agency and spoke with the unit manager XXXX XXXX @ Ext XXXX to stop that payment and make other arrangements for the {$1000.00} balance. They refused to take my request and told me to call back on Monday and speak with XXXX XXXX the account representative. I asked that since you are the manager, how come you could n't assist me. He said because I just cant. He also denied having the corrected amount that I owe and kept indicating that I was paying on a settlement. I tried to explain to them that this was n't a settlement because the amount of aaproximately {$2400.00} that they have is incorrect in the first place so there is no settlement. I have been placed on hold for long periods, been refused to get proper assistance to get the issue resolved and am very frustrated and concerned with how I have been treated and how they refuse to adjust the correct amount owed. Please help.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: NY
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 Account # XXXX, has violated my rights. 

XXXX5 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. 

Creditor Name : US DEPT OF EDUCATION Address : XXXX XXXX XXXX XXXX TX, XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT OF EDXXXX Address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, IA XXXX XXXX : XXXX - {$54000.00} XXXX EQUIFAX - {$54000.00} XXXX - {$30000.00} Dates last REPORTED : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX EQUIFAX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have contacted the office multiple times regarding my account, I am frequently told by the representative that # 1 there is a restriction on my account and # 2 I must speak to a supervisor. I provide the oral permission to remove any communication restrictions regarding the account, once this " occurs '' I am either transferred to a supervisor or their voicemail. No one ever calls me back. The last time I contacted the office, I was told to send an email providing a written statement to remove any account restrictions regarding communication. I have not received a reply to my email and when I called again, I was told that there was a restriction on my account still. I am confused as to why representatives are providing misinformation regarding removing the restriction while we are on the phone and thus have now moved to having me email to remove the restriction IF the task isn't going to be completed. I have contacted the owner of the account XXXX and the servicer XXXX and both companies state that contacting Stillman Law Office to remove the restriction is the only option. The representatives from both organizations do not understand why after numerous calls Stillman Law Office has refused to do their part. 

I have sent over multiple emails and a hosts of faxes to communicate with Stillman Law Office. I have contacted the office by phone a minimum of three times a month regarding the debt. After mailing a certified letter requesting to verify did I receive communication from Stillman Law Office regarding verification. All conversations, emails and faxes regarding resolving the account lead to dead in roads. I am instructed by supervisors to email over settlement offers, payment arrangements etc but I do not ever receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
I setup a direct automatic draft payment, from my checking account, to pay my Macy 's XXXX Inc. Credit Card in full every month. Macy 's would pull my full bill directly from my checking account. I setup this payment method around 4 years ago. 

In XX/XX/XXXX, I used my Macy 's credit card. Macy 's apparently dropped my automatic draft payment agreement without any notice. According to Macy 's my automatic draft agreement expired without my knowledge. Macy 's made no attempt to contact me to let me know they were no longer pulling the funds to pay my bill. 

They did not send any correspondence to my home address. They claim to have sent statements to my email address. I reviewed my Macy 's Credit Card Account and found no information from Macy 's about my automatic draft expiring. It was n't until XX/XX/XXXX did I receive a paper statement in the mail showing that I was 60 days past due. I immediately called Macy 's and paid the bill in full. Macy 's had already submitted a 30 day and a XXXX delinquency on my credit report. I asked Macy 's to remove this delinquency. They removed the overpayments but refused to fix my credit report. I had an XXXX Fico score prior to this discrepancy and now my XXXX score is down to XXXX. 

Macy 's XXXX Inc. failed to provide any form of notification that the automatic draft payment expired. They allowed my account to go delinquent without any proper communication.

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 2022-11-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have disputed the following accounts with the Credit reporting agencies multiple times directly as well as through previous CFPB complaints! The CRAs continue to state the accounts are accurate without providing the procedure used to verify the accounts. I have also disputed directly with the furnishers of the information and have received correspondence from them that proves the information reflected in my consumer report is not 100 % accurate. In some instances the accounts are not reflected completely and is missing valuable information. All the CFPB does is forward the information this company is not performing a thorough investigation into the issues being provided by the consumers! The following accounts have been continuously reported inaccurately after being made aware of the errors! 
XXXX XXXX ( XXXX ) I will be attaching a copy of a letter sent to me from the creditor. Experian is reflecting XX/XX/XXXX as the open date, however the creditor clearly states XX/XX/XXXX was the open date. Experian also failed to input a closed date which is critical in verifying the accuracy of their data. 
XXXX  ( XXXX ) I will include a CFPB complaint response in which the company clearly states they will have the cras delete this account. 
XXXX XXXX ( XXXX ) I will be attaching a copy of a letter that was sent from the furnisher of this account that they obtained from the original creditor. Experian reflects XX/XX/XXXX as the date XXXX acquired this account ; the original creditor states XXXX acquired this account XX/XX/XXXX. 
XXXX ( XXXX ) This account is reflecting an incompletely. Experian has failed to input the date of closing for this account! How am I supposed to cross reference the accuracy of the information if the account is not 100 % complete? XXXX has made it clear the account was closed on XX/XX/XXXX however due to experian not inputting all the data for this account I would not have known it!

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 2020-07-30
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a military vet. I've owned my home for 5 years and use Freedom Mortgage. I recently decided to refinance, lowering my intrest and term length. Freedom Mortgage contacted me to start this process. 

The initial processing went relatively smooth. People and loan officers contacted me and set everything up. 

I was told a mobile notary would need to come to my home to finalize the loan documents. We set up a date and time for that to happen. We selected the first date available and it was a 3 week wait. 

3 weeks later, on the date and set, noone shows up. We called the mobile notary company and they said they are waiting paperwork from Freedom Mortgage. 

Here is where my problem started. I've called Freedom Mortgage countless times. I've explained my issues to multiple people and multiple supervisors. Noone is helping me or contactimg me back. 

Everytime I talk to the refinance department they tell me a Supervisor will call me back. They do not and have yet to call me back. Everytime I ask to talk to a Supervisor, I am sent back into the regular queue and have to start the process over. 

The actions and treatment of Freedom Mortgage 's customer service and refinance department is unethecial at best. The employees lack of knowledge and inability to take action when helping a customer is astounding. Everytime I talk to them I wait on hold for at least 60+ min and make no progress no matter who I speak to. 

They should be ashamed and embarrassed of their customer service.

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 2023-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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 had a card with Capital One for a while and they are misreporting delinquincy on my Capital One Card and Walmart Card. I have tried to dispute it and they will not take it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct the following items in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation