BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Thank you for your response dated XX/XX/2023 regarding my dispute under the Fair Credit Reporting Act ( FCRA ). I appreciate your attention to this matter. 

Delete : XXXX XXXX XXXX because it was not validated within 30 days I understand that you allegedly have processed my request and have forwarded a copy of the Investigation Results through US mail ( which I still have not received, ). I anticipate receiving those results in approximately 7 business days. 

However, I would like to address the issue of the delay in responding to my initial dispute. As stated in my previous communication, the FCRA Section 611 ( a ) ( 1 ) ( A ) requires credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a consumer 's dispute. It is evident that the response I received from TransUnion [ Credit Reporting Agency ] was well beyond the mandated 30-day timeframe. 

Delete : XXXX XXXX XXXX because it was not validated within 30 days While I acknowledge that non-monetary relief has been provided by allegedly verifying the reported information, I must emphasize that the delay in responding to my dispute still constitutes a violation of my rights under the FCRA. This violation has caused me damages and harm, as outlined in my previous letter. 

Therefore, I maintain my demand for monetary relief as compensation for the violations committed by TransUnion [ Credit Reporting Agency ]. I believe it is fair and reasonable to seek [ {$27000.00} ] as monetary relief for the damages I have suffered. 

I demand that you provide appropriate monetary relief in accordance with the FCRA. I expect a prompt response to this letter within [ 10 business days ] from the date of receipt. Failure to provide a satisfactory response or to offer appropriate monetary relief may result in further legal action to protect my rights under the FCRA.

Please be aware that I am keeping a record of all correspondence and actions related to this matter. I am prepared to take necessary legal steps to ensure that my rights are upheld and that appropriate remedies are provided. 

Delete : XXXX XXXX XXXX because it was not validated within 30 days

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 2022-07-09
Company: BARCLAYS BANK DELAWARE
State: FL
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:
I make several payments towards my credit card periodically throughout the month. I pay online through a linked account with my XXXX XXXX checking account.EVERY time I make a payment Barclays Bank, my credit card company, hold the money for 7 days AFTER the funds have cleared my bank, making it therefore unavailable for me to use.

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 2019-10-02
Company: Sequium Asset Solutions, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received numbers calls on my cell phone asking to speak with XXXX XXXX. I advised the representative they had the wrong number and that I have had my cell number for 10 years. 

After that I mysteriously, received a collection notice at my home address in this persons name. Originally I was told the service address was totally different from mine- it had to be because I have never had an account with XXXX. 

I called them again to advise they had the wrong person. After that the calls continued and the collection notices now appear in my name. They are threatening to damage my credit if I don't pay the balance due. I am scared and afraid .... I have stellar credit and I don't want to be scammed. I have contacted the Attorney General and the FTC. 


Reference Number XXXX Creditor Name XXXX XXXX Creditor Account Number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: MD
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've filed multiple complaints for fixing incorrect information on my credit report and to date, nothing has been done. Equifax and XXXX XXXX were notified of my dispute against a company attempting to collect a.debt that was XXXX in my bankruptcy of XXXX. The information remains. No explanation has been given but account was notated that a company responded. I've not seen any response. I also requested both agencies update my report to reflect 2 accounts that were settled inXX/XX/XXXX To date, nothing has been done. The investigation were first reported to be underway in XX/XX/XXXX. This is 3 months later! When will this organization step in? Who is my point of contact? What other options do I have?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, my wife and I signed a Home Equity Loan ( HEL ) with PNC Bank. We began to make our normal monthly payments per the agreement. In XX/XX/XXXX, I decided to make extra payments to the HEL. I made our normal monthly payment for XX/XX/XXXX ( on  XX/XX/XXXX ). I then initiated an additional payment on XX/XX/XXXX for {$1100.00}. 

At time of my submission, I noticed a check box asking if I wanted the funds to go toward the principle only. I left the box unchecked indicating that I wished this payment to go toward future payment due dates in order that the next due date of the loan would be pushed out one month. When this transaction was completed in the system, I saw that the due date had indeed moved forward one month ( the next due date for the loan had changed to XX/XX/XXXX - the extra payment did indeed go toward the XX/XX/XXXX payment. I then initiated another payment on this loan on XX/XX/XXXX for {$1100.00} following the same process as before ( which would go toward the XX/XX/XXXX payment ). After the transaction was completed in the system, I saw the next due date change to XX/XX/XXXX. 

I then continued to pay the HEL each month ( paying the XX/XX/XXXX charge on XX/XX/XXXX and the XX/XX/XXXX charge on XX/XX/XXXX ) and noticed that the due date continued to be pushed out two months ( taking into account the fact that I paid two extra months of payments in XX/XX/XXXX ). I then decided to make an additional payment on  XX/XX/XXXX for {$1100.00} which allowed the next due date to be pushed out one more month ( making the next payment due date XX/XX/XXXX ). I have continued to make regular payments on the HEL since this time and saw the due date remain three months in the future. Then in the spring of XXXX, I received communication from PNC that they were going to be upgrading their systems. The system was upgraded and I did not think any further on this until XX/XX/XXXX when I noticed that the due date had reset and I no longer had the three-month buffer in the due date. I contacted PNC at this time in an attempt to have the three-month buffer on the due date re-established. I was informed by PNC that with the new system that I would no longer be able to push the due date out as I had in the past. I have attempted to remedy this issue multiple times since via phone and meeting with a person at our local PNC branch ( including submitting an escalation twice ). I do not remember seeing anything in my original agreement stating that I could not make advanced payments and, I was able to make these payments multiple times until the new system update in the Spring of XXXX. Now I am being told that my advanced payments are no longer valid. 

We Have talked to six different agents in an attempt to resolve the issue but without success so feel the need to issue a formal complaint with Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, 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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
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: Their investigation did not fix an error on your report

Complaint:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2022-04-02
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, N accordance with the Fair Credit Reporting act 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 customer reporting agency can not furnished a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I sent a XXXX payment on XX/XX/23 through my bank ( PNC ). PNC notified me that the payment failed and the recipient did not receive the funds. The notice stated it would take 3 days to receive my money back. 3 days later I called and was told 6 days. I waited 10 days and called back and customer service put in a dispute. The dispute was denied. I contacted the person I sent to the money to and she checked with her bank and there is no transaction history of the failed payment. I opened another dispute through PNC and have escalated to a supervisor. I have spent XXXX hours on the phone and have called PNC and XXXX for help and nobody has been able to get my money back. It has been 2 weeks since the payment failed and I am still out {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: ENCORE CAPITAL GROUP INC.
State: VA
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 XXXXt Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company communicating payment assistance or payment extension options

Complaint:
I attempted to negotiate a repayment agreement during my Chapter XXXX XXXX ; unfortunately, I was pro se and capital one does not acknowledge pro se litigation. I was told numerous times that I would need to hire an attorney if I wanted to be communicated with regarding the case. XXXX months after my XXXX, Capital One randomly repossessed my vehicle after avoiding me for the entirety of that XXXX month period. I was never able to get any response to legal petitions, they did not attend the meeting of creditors, they never wrote me or acknowledged my offer to enter into a repayment agreement, and they stole my vehicle before writing me a letter where they accused me of lying and of stealing from them. 

They have not sold the former vehicle, and are holding onto it for as long as possible to lessen the value and hopefully send me a massive bill for any remainder. Being autistic, I have XXXX idea what is going on and can not defend myself against this multinational finance company and their army of law firms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX  data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over XXXX  days. Again, this is NOT A DISPUTE. 

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 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 2019-05-08
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have asked several questions as to why the amount of payments applied to interest and the principal are so close in amount. I would expect 1/3 of my payments to be applied to interest and the most to the principle. Also when I subtract the amount of money applied to my principle from my principle balance, the totals are not true. I still don't understand where my payments are going. I was paying a little extra every month and this money seemed to create fees? I don't understand. 

I have contacted Nelnet several times. However most of my messages have been deleted from the server. 

It took my a month of back and forth the have them remove a late payment that never happened in order to qualify for income assistance. Then they " approved '' me for an amount equal to what I was already paying. Which is different from what a representative even quoted over the phone to me. 

I should have paid at least one loan completely by now. The fact that I still have 2 loans is intentional by Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
See CFPB complaint XXXXPrint.

My complaint was " I have opted out of pre-approved offers, and you sent me a pre-approved offer anyway. '' Their response was " you can opt out of pre-approved offers by contacting the credit bureaus. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 non-monetary relief
Consumer complaint received 2023-10-26
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have had much difficulty getting my credit card account closed with Chase. I finally got my credit card account with Chase closed and ended up with a credit balance of {$3.00}. I want this account XXXX XXXX out and Chase to pay me the {$3.00} they owe me. I have had to pay them many thousands of dollars of credit card interest over the last few years, and they always refused to lower my interest rate even though I was struggling financially especially after a layoff during COVID. Now that I have finally paid off this account they are refusing to mail me the {$3.00}. I called today Thursday XX/XX/2023 at about XXXX Arizona time after trying to resolve the issue using Chase 's website and XXXX  app ( both said I had to call in to get Chase to send me the money they owe me- lol ). When I called in, a female answered who said she needed to re-open my account to mail me the {$3.00}. I find it dishonest that one of the largest financial institutions on the planet can not figure out how to mail me a check for {$3.00} after going through extensive security verification. After " putting me on hold '' to figure it out she and/or Chase disconnect the line and nobody at Chase made any attempt to call me back email me or message me through their app to apologize and/or get the issue resolved. I want Chase to mail me the {$3.00} immediately so this account has a XXXX balance. It should be noted that this is the second CFPB complaint about Chase in less than a month. I hope someone sues them for a large sum of money and wins. They are not abiding by federal or state financial institution laws and should be penalized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24
Company: CITIBANK, N.A.
State: KS
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:
This is regarding the following billing disputes with Citibank : XXXX XXXX XXXX Purchase Price {$9.00} Purchase Date XX/XX/XXXX Dispute Date XX/XX/XXXX Withdrawn XX/XX/XXXX : XXXX XXXX XXXX Purchase Price {$10.00} Purchase Date XX/XX/XXXX Dispute date XX/XX/XXXX Withdrawn XX/XX/XXXX : I was issued permanent credits with no additional documentation required. Recently, I was informed by Citibanks executive office, XXXX and XXXX, that they have been issuing me permanent credits, but when a merchant disagrees with my dispute, they have still been paying them as well. Then, they have been taking the amounts and charging them off on their P & L sheets. Then, they have been coding my disputes as misrepresented despite failing to ask me for my own supporting documentation. 
I have discussed the problems with refunds over the last 12 months with the XXXX store manager, I have written an online complaint to their corporate office ( they still have no responded ), I have filed a XXXX   complaint against their corporate office ( they still have not responded ). The XXXX store manager apologized for the problems and has issued me in-store comps for three meals. I have received two so far. I have withdrawn both of the disputes despite not knowing whether Citibank paid this merchant or not, because they have failed to provide me with a complete list of the so-called misrepresented disputes. Despite withdrawing both, the only one that has been rebilled is XXXX. In addition, despite asking for full dispute paperwork and the merchants response in writing to their billing department, they have failed to provide me with the documents to date. In addition, Citibanks Notices and Letters page isnt showing any of the dispute paperwork. The majority of my dispute paperwork has either never been uploaded or has mysteriously vanished. They have also not sent paperwork to my mailing address regarding these disputes. 

I am including screen prints of the dispute summary, copies of the comped receipts, copies of e-mails sent to billing disputes, a copy of the transaction rebill, a copy of how to calculate sales tax for XXXX, and a copy of this letter in PDF format.

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