BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-06
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Submitted 2 requests disputing my account with CITIBANK on line via XXXX Credit Disputing Services. The 2nd attempt, dated XX/XX/XXXX I wrote a letter indicating that this account was a time barred debt from XX/XX/XXXX and should be removed from my credit report because I believe it exceeds the 7 year fair credit reporting act. CITIBANK just changed the status of the account to Account charged of. My dispute report number is XXXX. Please advise. 

Thank you for your help in this regard.

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 2020-09-07
Company: Experian Information Solutions Inc.
State: CA
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 have accounts appearing on my credit file that are from my identity theft case and they should be deleted 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 2021-02-02
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:
There is an account on my credit of the amount {$2000.00} that is duplicated. The original creditor XXXX XXXX XXXX XXXX is listed on there twice for the same debt of the exact same amount, reported from two different debt collection agencies. 
I am prepared to start paying off this debt, but refuse to pay until it is correctly reflected on my credit as one account. I disputed the accounts with Experian twice and gave information that it is a duplicate and it is very clear just from a quick glance that it is the same debt listed twice. 
Experian did nothing to remove it and said that it was fairly reported. 
It is listed like this in every credit agency.

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 2019-02-20
Company: EQUIFAX, INC.
State: DE
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:
This is concerning XXXX  Credit reporting. I have sent them letters as my attorney did and they refuse to correct my credit history/report.

XXXX XXXX XXXX is breaking PA law : Pennsylvania Motor Vehicle Financial Responsibility Law, 75 PA C.S. 1797 ( b ) ( 7 ). and refuse to remove this fraudulent reporting by this company.

XXXX/XXXX  was a stolen gas card.Purchases were made in CA and I reside in PA. XXXX  called me to inform me of the fraud and told me they would close the card as they did and I agreed. XXXX  & XXXX refuse to remove from my credit history after they been shown the information as FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Synovus Bank
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:
First Progress Credit Card has stole XXXX in forms of payments from my account and refuse to reimburse the money. I called their customer service and I was told that Mr. XXXX XXXX review my account and found the payments on the statements. I have all the statements printed out from the open of the account to close. The payments are not shown anywhere. I also requested a copy of the front and back of all the check ever cashed by First Progress and have them available for review. This is a prepaid card and not a credit card therefore all the money there was mine to begging with so but those payments been missing I consider this stealing. I have all the files ready for upload when needed. I also was sick from XXXX when all this took place and was not able to work so this had a huge impact on my daily life. Even right now is taking me time and money to try to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: CarMax, Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I am not happy that Carmax financial wont info to the credit bureaus. They has ripoff and hiding from me. My payment still make {$180.00} every monthly and current balance is & XXXX now. I find my credit reports balance is {$4600.00} in XXXX because its not matching on the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
I have filed complain number XXXX that was closed without a correct resolution and I do not agree with their " investigation ''. I had no chance to refute their false version and they have not responded correctly to most of my questions. 

I requested it to be reassessed however bank of America remained silent. So I am opening a new complaint. 

- Why haven't I be informed of the potential closure of my account? 
- Why no one contacted me after my requests for negotiation and " promise to pay '' - Why have I filled out my financial information, the website said someone would contact me, and never did? 
- Why a supervisor agreed with me saying " someone dropped the ball '' when talking about my acount being without any support after I stated I was having problems to pay? 
- Why they said they gave a monetary support of {$40.00} ( referring to 2 late fees + interest ) when one late fee is {$39.00} so two late fees would be {$78.00} ( plus said interests ... ) - Why my account was not reinstated upon request since it was canceled without informing me it was on the verge of cancellation? 
- Why no payment plan was offered since I requested it on last complaint? 
- Why it is being reported incorrectly to credit bureaus given all the above said? 
- Why after I requested the contacts of the legal department to pursue legal actions the department has not replied to my email with 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 monetary relief
Consumer complaint received 2021-02-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 you claimed that you verified the account as accurate. Please provide the METHOD OF VERIFICATION used.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MD
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:
On or about XX/XX/XXXX, it was brought to my attention that Santander Bank was reporting me delinquent on two different occasions toward the end of XX/XX/XXXX. It was dropping my credit score by about 50 points. I was not delinquent and they acknowledged this in a letter to me dated XX/XX/XXXX. Problem solved after many hours of phone calls. 

They are now doing it again. This time I am not so forgiving. This is inexcusable. I called them and sent them an email. When I called, I was told that they made another error. I was not late. As a matter fact, I havent been late on anything in years. Again my credit score dropped 50 points. The problem is still not fixed. Had I not applied for a student loan refi, I would never have known about this problem. Again more hours on the phone. I am considering litigation at this point. I feel that they should compensate me for time lost taking care of these issues. I am a XXXX and have my own XXXX XXXX. I charge XXXX per hour and have spent at least 10 hours on this problem. I am sure that you get many of these but these large companies need to take customer service more seriously. 
Thank You for your time.

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 2023-01-19
Company: EQUIFAX, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX Citibank XXXX CITI simplicity card charge my card With something I didnt. I call them to fix this problem before this charge are paying to different companies because they were pending they didnt do nothing, they paid all. And know after a change for another new card they still charge on the new card on XX/XX/XXXX for XXXX this charge was made for t mobile, because they said that is recurring payment that payment is pending know I can not make a dispute because they said that that amount have to be paid first to start a dispute. The charges are : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX for {$96.00} XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX ( pending ). 
Please can you help me to solve this problem. Thanks

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 2018-09-19
Company: ENCORE CAPITAL GROUP INC.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a {$300.00} credit card with XXXX XXXX Credit Card. I made repeated attempts to make a payment in full with XXXX XXXX via phone and online, but was told by representatives I had to speak to a specific department to make the payment. Every attempt to transfer me to that department was unsuccessful as it would continue to ring without anyone every picking up the line. When I would call the general number to speak to some else, they would state that I could only speak to the department they had tried on multiple attempts to transfer me to, land they did not have a direct line for me to reach someone. 

After multiple failed attempts to make payment with XXXX XXXX directly, they sent the account to collects with XXXX XXXX XXXX and tacked on fees resulting in a payment of {$620.00}. These are fees that I should not be charged as I did attempt to make payment on multiple occasions and was give then run around as to how to accomplish payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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 requested validation of accounts that I wasnt provided. I asked for original consumer signed contracts and all information on what services were rendered for the debt, how the debt was calculated, and proof for everything. I was not given any of that!

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 2021-02-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have our mortgage through Penny Mac USA. Our property taxes have still not been paid from the escrow account that should have been paid in XXXX of XXXX. I received a property tax statement in XXXX of XXXX, and then again received another tax statement in XXXX of XXXX. The receipt of the 2nd statement prompted me to call the mortgage company because it appeared the property taxes had not been paid. I was told then that it appeared they had not paid our property taxes are required in XXXX. I asked why this occurred and was told they did not know and could not figure out why. I was told then ( two weeks ago ) that it would be paid. I logged into our mortgage account on XX/XX/XXXX and it appeared that no funds had been dispersed from the escrow account. I spent over an hour on the phone today ( XXXX ) to find out that the property taxes are still unpaid. Now there is a tax penalty of {$410.00} that must be paid. Penny Mac stated that I should not worry because they will pay any late fees, but I do not trust at this point that they will not take that late fee out of my escrow account. In the meantime they have continued to accrue interest from my escrow funds and make money from my wrongfully withheld tax payment. I was told on the phone today that they could not tell me when the taxes would be paid. They also stated that they needed additional information because the taxes had not been verified! Then how have I received two tax statements? They would not admit it, but I believe they did not properly keep their own records as I was asked to upload my property tax statement to their website. I need help getting this resolved and I hope there is a mechanism in place to fine this company for their improper actions and their breach of fiduciary duty to properly manage our escrow account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-23
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was approved for a Costco Citibank Visa card on XX/XX/XXXX. As of XX/XX/XXXX I have still not received the card. Both Citibank and Costco toll-free customer service numbers told me that the local Costco store could provide a print-out good for 15 days in the store, so that I could make charges within Costco to earn my 2 % rewards associated with this account. They said this print-out would not contain a CVV code so it couldn't be used outside the store. On XX/XX/XXXX I went to Costco located on XXXX XXXX in XXXX, Ohio and requested this print-out. The store personnel gaslighted me and said they haven't done anything like that in two years. The manager XXXX then acted like I was crazy for even suggesting this and that I was clearly mistaken and had no idea what I was talking about. Yes they were making me question my own sanity for believing this was a thing. So I called both Citibank and Costco customer service back and confirmed this shopping pass is an attribute of the card and that the store should have issued a temporary card for in-store use. In fact if you call Citibank at XXXX it's Option 2, Option 1 to learn about the temporary card.

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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I submitted a previous complaint to XXXX about this issue, however the complaint was ignored as their response appeared to be in response to a separate complaint. Therefore I am resubmitting the complaint with TWO SPECIFIC QUESTIONS that I except XXXX to respond to : 1. I was a perfect customer of yours for 3 years of a lease, never missing a payment. When the lease was finalized in XX/XX/XXXX, I turned in the vehicle and bought a different make from the dealership. Then much later, in XX/XX/XXXX, XXXX charged me a fee and said they would have waived it if I had gotten a XXXX. Nine months earlier, nobody mentioned this fee or offered to waive it if I got another XXXX. Also, ignoring the fact that I have a receipt showing I pre-paid the turn-in fee, my question is this : why does XXXX think its appropriate to take 9 months to invoice a customer, then while that customer attempts to call-in and confirm the accuracy of the charge, XXXX instantly begins reporting XXXX payments to the credit agencies? Why can XXXX take an unreasonable amount of time to submit an invoice, and not afford the customer a single day to understand where this charge is coming from ( especially when XXXX was unresponsive during the pandemic and it was difficult to receive responses )? 

2. The process to have XXXX honor the terms of the agreement was extremely unpleasant. After months of attempting to get through to XXXX, I realized it was not worth my time and effort, so I decided to simply pay the invoice ( for the second time ). I spoke to a representative who confirmed any negative remarks would be removed from my credit report if the fee was paid. Therefore, I paid the fee and provided proof of payment to XXXX. Unfortunately they continue to ignore this payment. So the question is : why do you ignore this payment and refuse to update the remarks to the credit reporting agencies? While it was unethical to immediately report late payments to your seriously delinquent issuance of the fee, it is absolutely immoral and illegal to lie about not receiving payment. 

Since the actual complaint questions have been ignored in the past, I just want to reiterate so there's no confusion about what questions XXXX should be responding to : 1. Why can you take 9 months and issue a delinquent invoice, but the customer has no time to confirm the accuracy?

2. Why are you refusing to acknowledge that payment was made, even though I have submitted proof of payment made on XX/XX/XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: SC
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:
In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights. 15 U.S.C. 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy. 15 U.S.C. 1681b 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My credit reports are frozen at my request ; however, once a year my bank, XXXX, is required by the federal government to request a credit report because of a large business loan. They use Trans Union. I called Trans Union and asked for a temporary lift for both my wife and me. I asked for a unique number to give to the bank which I received from Trans Union and I passed on to the bank. My banker called and said that the numbers did not work. I called Trans Union and the young lady who answered checked the information and said they should work " have the bank called the marketing department. '' I asked the young lady for the number to which he replied " the bank has the number and disconnected the call. This call was made during the timeframe the account was unfrozen. My banker could never retrieve my credit report. I went to the bank on XX/XX/XXXX and together we called Trans Union. After asking to speak with a supervisor, I was told that the problem was that the bank did n't have the right software to use the number that Trans Union gave me and " if I had called during the freeze they could 've done something about it but since the freeze had been placed back on the account I would have to pay the fee again. I did call during the freeze. And was not told anything about the numbers not working with particular banks. I was treated rudely and I have been forced to pay the {$20.00} again but something should be done about this kind of treatment. I resent having to pay to lift my credit twice when it was not my error but rather lack of information from Trans Union.

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 2021-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
The SBA approved my business for a loan in the amount of {$13000.00} that was disbursed on XX/XX/2020. The funds were sent to Bank of America erroneously however to date Bank of America has not returned the funds back to the SBA. I've contacted Bank of American numerous times requesting to have the funds returned to no avail. I've also contacted the SBA for help in this matter ; unfortunately the SBA was unable to contact Bank of American on my behalf. I have attached a copy of my loan agreement as well as communication that I received from the SBA legal department.

I am reaching out for help in this matter because my business is still responsible for repaying this debt that interest is accruing every month while Bank of American is holding on to the funds while my business is in desperate need of the funds. 

I thank you in advance for your help in this matter. 

Respectfully, 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