BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XX/XX/2022 I am writing to dispute the following bankruptcy that is showing up as public records with TransUnion, XXXX and XXXX who has been reporting incorrect information for five years. 

I have enclosed a letter from the bankruptcy court stating they never reported a bankruptcy on my credit report at all. 
see attachment .... 

Please reinvestigate this matter and contact the national credit bureaus to have them delete [ or correct ] the disputed item ( s ) as soon as possible. 

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 2019-10-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On or about XX/XX/XXXX I purchased a washing machine from Home Depot. I was going to pay with an XXXX card but received an offer of an additional discount and " 12 Months No Interest. '' I initially did not receive the new account discount and had to call customer service to correct it. I did not receive any billing statement. At the beginning of XX/XX/XXXX I went to a retail store, made a {$100.00} payment and the representative called Citibank, requested the late fee reversed and paper billing. I did not receive paper billing and was subsequently locked out of the online portal. I made a {$50.00} payment at a retail store on or about XX/XX/XXXX and due the difficulty in using the account, I called on XX/XX/XXXX, obtained the payoff amount of {$500.00} and paid that amount in full. XX/XX/XXXX while debating on making additional purchases, I found a late notice in my junk email box. I was charged {$34.00} retroactively dated XX/XX/XXXX for " deferred interest. '' I called Citibank and the customer service representative stated I was charged interest due to a late fee and a late fee for the unpaid interest and stated there was nothing she should do. I was transferred to an escalation queue, told by " XXXX '' that managers don't accept customer calls and that Citibank was not going to reverse the fees. I advised I was not going to pay the fees so Citibank closed my account as punishment. I submitted a written complaint and received a message with the customer service number in response. This activity is deceptive at best, but appears abusive. It will also have negative impact on my credit score.

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 2022-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have a XXXX XXXX master card with Capitol One. With the pandemic l was not making money, unable to pay the balance due and my card was " restricted '' ( but supposedly not revoked ) because l went 120 days without making a payment. When l started making money, l started paying this and my other bills ; and in doing so, noted that l had XXXX award points, which typically can be credited into dollars toward gifts or cash to pay down my debt. I wanted to use my award points to pay down my XXXX XXXX XXXX XXXX debt. The company refused to let me do so saying that l lost the points when my account was restricted. 

Since they did not revoke my card and these points were issued based on my spending on their card, l do not understand why l can not use them to continue to pay down my debt. 

I made a payment, called and requested an explanation of why l could not use my points. Two persons told me they thought the restriction could be lifted and my points reinstated as l requested an explanation, but the 3rd told me it could not and that he was the last person l could speak with. 

Interestingly, when l went on line to pay on my account, my bonus points were listed on my account at the top of the page. After l called and requested an explanation as to why l could not use them - l tried to redeem them online to reduce my balance- they magically disappeared. 

That is my complaint- they took something of value from me which l was vested in prior to restricting my account, instead of allowing me to use them to reduce my debt and reduce the accrual of interest on my debt. It seems unfair especially in light of the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
I hope this message finds you well. I am writing to seek assistance regarding a concerning situation I have encountered with Citizens Bank in relation to the closure of my Home Equity Line of Credit ( HELOC ). 

On XX/XX/, I successfully closed my HELOC account with Citizens Bank, following the bank 's assurance that I would promptly receive a written confirmation of the loan closure, including the removal of the lien from my property. However, despite their initial commitment, I regret to inform you that nearly three weeks have passed, and I am yet to receive the promised confirmation letter. 

I have diligently followed up on this matter by making repeated calls to Citizens Bank, but regrettably, I have consistently received the same response from their representatives, which is, " You'll be receiving that letter soon. '' This delay has caused me significant distress as it jeopardizes my ability to close an HELOC application with another financial institution, and my deadline to finalize this transaction is swiftly approaching on XXXX XXXX XXXX Failing to meet this deadline would result in the rejection of the loan application. 

Considering the urgency of this situation and the potential financial consequences it may entail, I kindly request your intervention and assistance in expediting the process of obtaining the closure confirmation letter from Citizens Bank. Your prompt attention to this matter would be greatly appreciated, as it is essential for me to secure the required documentation without further delay. 

Please do not hesitate to reach out to me should you require any additional information or documentation to assist in resolving this issue effectively. I am grateful for your support in this matter and trust that your intervention will help bring about a swift resolution. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 2023-05-03
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:
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 Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance Owed : {$340.00} XXXX XXXX Balance Owed : {$390.00} XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$340.00} XXXX XXXX Balance Owed : {$390.00} XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance Owed : {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XX/XX/2022, I was behind 3 car payments which is about {$1600.00}. In late XX/XX/2022, I set up an automatic payment of {$500.00} bi-weekly. To date, I have paid over {$2000.00} and Credit Acceptance is still saying I owe about {$1500.00}. Why? Because my car payment, according to them, is due on the XXXX of each month and even though I set up and fulfilled my {$500.00} bi-weekly payments for the past XXXX weeks, the payments that are supposedly due on the XXXX of each month are rolled over. I'm also charged an additional {$24.00} a month for late fees. 

I called the company today and asked them if I can change the date of my scheduled payment ( not the auto payment I set up ). I was told no. How can a finance company not accommodate their customer? In addition, charging me extra late fees when I have been paying {$1000.00} monthly. At this rate, I will, as stated previously, die paying this debt off. 

This is my second complaint of predatory financial practices for Credit Acceptance. This is unfair should be illegal.

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 2022-02-09
Company: Helvey & Associates, Inc., Warsaw, IN Branch
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 information incorrect

Complaint:
Paid off Hervey and Associates in XXXX for past due medical bill. Called several times this XXXX to ask when they will update to credit reports. I keep getting different answers each call. One said they reported the account paid in full but when you call XXXX or XXXX XXXX, they do not have that info update.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Nelnet, Inc.
State: FL
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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: IN
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 XXXX XXXX XXXX. ( XXXX  XXXX  - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

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

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 my debit card was stolen by a stranger. This was something I was made aware of by a fraud alert that came they via text message from Capitol One 360. I replied " no '' to the charge. Called the bank hours later after noticing several charges that I had not made. The CSR told me that I would need to call back once charges were processed. He told me some may fall off because they were flagged but we had to wait and see. This is normal for Capital One bank. The day the charges posted I contacted Capital one and reported the fraud charges. They credited my account pending the investigation. On XX/XX/XXXX I received the denial. Stating my card was used after the reporting. Which is untrue. They would not tell me what charges were made on my card. They said no appeal will be allowed. No need to try and reopen the claim. They sent me the investigation but it didn't show which charge they claim was made using my card with my pin number. All these charges were not pin number charges. They were credit. I use my card as a debit card the majority of the time. My card was locked once I responded to the text. The first CSR also showed other square charges that were attempted but denied due to them being fraudulent. I just want my money back. 
XXXX 's {$52.00} XXXX {$99.00} XXXX XXXX {$56.00} XXXX XXXX XXXX XXXX {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit at this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states consumer reporting agencies can not furnish an account without my written instruction. Under 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: TX
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX LL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: TRANSWORLD SYSTEMS INC
State: NY
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:
TransWorld Systems, debt collection agency, reported an erroneous debt to credit companies without ANY validation that debt belonged to me. Since debt was incurred in a state where I have never lived, it is impossible that this debt is mine. I found the faulty reporting when my XXXX  score took a serious dive. This has damaged my credit report significantly. I've had to postpone making some financial changes until my XXXX  score is restored to it's previous Excellent level. TransWorld has never had previous contact with me until I called them to correct their error. They were simply unwilling to do their own investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: MO
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:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX partial account numbers XXXX. ( Please pages 7, 8 and 9 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Earlier on tis year my bank account was hacked and XXXX was taken out, during that time my bank account was frozen. 

I notified CitiCards of the issue and they advised that it was ok. Eventully I got the funds back and my account was brought up to date a short time later. 

Citi Cards has closed my account. I object.

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 2023-01-18
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX CXXXX 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
Consumer complaint received 2023-05-12
Company: GOLDMAN SACHS BANK USA
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 I requested Marcus Bank ( Goldman Sachs ) to wire transfer {$250000.00} to an external bank XXXX XXXX. My account allows 6 external transfers per month and I have not made any external transfers this month. About XXXX hours later I received a call from Marcus and I was told that they would not wire that $ XXXX because I was supposed to be saving that money in their bank and not transferring it. ( Im not making this up ) They then said I would need to transfer all my savings back to the banks that I used to credit my Marcus account. They said I must transfer {$43000.00} back to XXXX bank, {$1800.00} back to Bask bank and {$200000.00} to XXXX XXXX. Marcus continues to hold {$250000.00} in my fully funded account. I have no idea what the are doing and the actions of Marcus bank are not making any sense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-24
Company: Data Check of America LLC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
They have identified themselves as DataCheck on occasion.They call constantly ( upwards of 4-5 calls per day ) stating that they are going to garnish my wages within 24 hours. They claim this is for a returned check dated XXXX 1998. I have repeatedly asked that they stop calling and informed them that it is past the statute of limitations. At that point, the agent gets rude and some have started yelling at me and talking over me, and stating that there is no statute of limitations. They have provided several reasons why the statute of limitations does not apply. The last agent that called today stated that I was stupid for advising about the statute of limitations. I have blocked more than 10 different numbers from this caller.

Company response to consumer: Untimely response