BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-27
Company: Siggi LLC
State: LA
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:
XXXX  has been non-compliant with removing the unverified account OMNI FINANCIAL which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that OMNI FINANCIAL was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus are reporting erroneous information on my credit file.

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 2018-01-31
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX Santander opened my closed/written off debt account that had a $XXXX  balance since XX/XX/XXXX and changed my terms from 72mos to 81mos and changed my balance from $XXXX to $XXXX. I disputed with bureaus as fraud. Bureaus allowed Santander to add that amount. On XX/XX/XXXX Santander, once again, opened my closed/written off debt again, and changed my $XXXX balance to $XXXX and also reported me as late/missing a payment which dropped my score 41pts and changed my 100% payment history to 98%. I disputed with the bureaus again. My balance changing twice within  eight months on a closed/written off account. I also phoned Santander and was given two totally different amounts owed. Once I read my credit reports to them, I was met with hostility and told, the debt isn't going away whether I like it or not. I asked to speak to a supervisor. XXXX XXXX got on the line. He stated the only balance he saw was for $XXXX  as of XX/XX/XXXX. I reiterated the events of XX/XX/XXXX and current day. He stated that he isn't aware of the company being allowed to open a closed debt and tack on monies and change the debts terms. I was told by him that he'd get to the bottom of it and call me back. 12days...XX/XX/XXXX later, I've yet to hear from him. My credit reports have not been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Premium Credit Bureau
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: Credit inquiries on your report that you don't recognize

Complaint:
received car loan from XXXX ended up receiving unauthorized mortgage inquiry as well as several auto loan inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Capital one - XXXX - is reporting a late payment for XX/XX/2020. I have never been late on this account & I have had it for many years. I made my payment on time on the app and I thought it went through. Then I noticed later that it didn't so I hurry and made it again on the App and I called you guys and advised you that I had made it previously and there was an issue with the online app. They assured me that it was still on time and it was ok and that I wouldn't have a late because they could see I made it on time. 
This was not my error this was your system. Please remove this late as I really did make my payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
For the last several years, I continue to get these emails from Speedy Cash to my work email. First, this was discharged in my Chapter XXXX bankruptcy in 2014. 
Also, they continue to send these emails with my personal information, saying there is a docket number ( case filed? ) I want this harassment to stop! I have made many attempts to cease this communication ( blocking emails incuded and they send from different email ) I have called and emails requests to stop and doesn't help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: SECURITY FINANCE CORP
State: SC
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: Problem with personal statement of dispute

Complaint:
During the Month of XX/XX/XXXX, I made a request for a goodwill adjustment of my credit. I've continued my account for the past 8-10 years with only one payment past due during either XXXX XX/XX/XXXX My request for a Goodwill adjustment was denied. I always acted reasonably with my account. My wifeXX/XX/XXXX onXX/XX/XXXX, at which time I inadvertently missed a payment. I have been and is still current on this account since my inadvertent error. I simply think this creditor is being unreasonable in this instance due to my long credit history with them which proves my creditworthiness.

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 2018-01-31
Company: MOHELA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My federal student loans were transferred from Mohela to XXXX XXXX in late XX/XX/XXXX. They were previously serviced by XXXX. I have been in repayment since XX/XX/XXXX on an XXXX plan and have been employed in XXXX XXXX   since XX/XX/XXXX. 

According to XXXX XXXX, Mohela failed to provide any servicing history, including payment history for my loans, at the time of the servicing transfer, even though XXXX XXXX claims to have requested this information from Mohela. 

As a result of Mohela 's failure to provide basic information about my loans, XXXX XXXX states that it can not access any information about my payment history prior to the servicing transfer in lateXX/XX/XXXX. XXXX XXXX is further unable to track my qualifying payments towards public service loan forgiveness prior to late XX/XX/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 2020-11-09
Company: Rocket Mortgage, LLC
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I was contacted by Rocket Mortgage to get my mortgage refinance started, he told me I should close in about 1 month. I submitted all of the paperwork they wanted via their mobile app. I submitted a poor review of their company on the XX/XX/XXXXwebsite and was contacted again by Rocket Mortgage. I was told that I would now close on XX/XX/XXXX. Last week they contacted me again, saying that they were not able to get in touch with my home owners insurance company for a couple of days, which my insurance company is XXXX. Today is XX/XX/XXXX and I have still not closed, I started this process almost 1/3 of a year ago and my patience is gone with this company ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX trying to collect XXXX excise tax on car i did not have in XXXX returned in XXXX they had to apply for an abatement only the owner can mass law well they finally did in XXXX after messing up my credit knowing they were applying for an abatement which they got PAID So p ; lease read my letter explaining the problem with them commiting FRAUD and reportig false info

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 2020-04-27
Company: V and H Portfolio
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Opened XX/XX/2020 Vance and Huffman LLC requesting debt of XXXX dollars to be paid. The debt does not belong to me, no written notice within 30 days no verification provided of debt, and was added to my personal credit report I am requesting removal of debt from personal credit report as I am not liable for XXXX XXXX XXXX debt. Vance and Huffman LLC have not provided me with any information Within five days of obtaining my information contacted me with written notice of the debt, the amount of the debt the name of the original creditor to whom the debt is owed or a statement describing my right to dispute the debt only added a collection to credit report. Utilized false statements of contractual obligations ruining my credit rating without legal authority to do so and intend to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hi. I have sent XXXX euros from my account via XXXX transfer to COINBASE, XXXX.LTD. 
40 days ago on the date XX/XX/2017 from my bank account in the " XXXX XXXX  XXXXXXXX XXXX XXXX ''. XXXX  XXXX : XXXX The time for arrival is 1-3 days and still i have nothing listed in my account. 
I have contacted them 3 times. I have sent them the photo of the invoice with them responding by automated bot. 


These are the case numbers of my complaints : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX Most of the times i get useless responses telling me to send them more money to verify my account. I dont want to send more money i want them to find the deposit i already made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Google Compare Credit Cards Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I placed an order with the XXXX XXXX using their store financing with XXXX XX/XX/XXXX. The account was approved and opened. The order I placed with the XXXX XXXX  has been indefinitely delayed and I have been unable to get an update on when it will be filled. It was due to arrive 2 weeks ago. They will not allow me to cancel. 

Offering financing, with a hard inquiry on my credit report, and then not filling the order was harmful to my credit. I now have an additional line open for which I have no use.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Allied International Credit Corp., (US)
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Log of calls : XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX And this goes on and on for the last 4 months. I have contacted the company. No one at my number owes this company anything and never has. I have talked to them on the phone and emailed them. Call is from Allied International Credit. Never owed this company or anyone they collect for money. Never on my credit report. I have turned this in before with no relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX XXXX Case No : XXXX US Bank Fraud Claim XXXX I filed a complaint with the board against US bank. I received denial letters from the bank and contacted the board and the representatives I spoke with each over time assured me that the investigation was still open and that I would be n notified when their investigation was completed. I waited and waited and never received a response from the board notifying me of their response to the investigation. I recently contacted the board only to find out that the board had closed my complaint in XX/XX/2017 response received from the bank ( letter ) '.case closed. There has not been a day that has passed that I have not thought about or believed that the complaint was never investigated by either the board or US bank and I feel that just can not let this go. I want to know what Federal Regulations that US bank states that I did not abide by are. Neither the board or US bank has explained that to me. 

I NEVER gave XXXX XXXX the PIN to my accounts. I DID NOT authorize him to withdraw monies as he saw fit. I did authorize him limited access to my debit card while I was XXXX  but it was only to pay bills by phone and a PIN was NOT REQUIRED for this. Once again, I DID NOT give him permission or authorization to steal my debit card and withdraw any funds from my accounts. 

I want to file a new complaint as I do not feel that US bank nor the board investigated my complaint. I respectively request that the board consider my response to US bank 's denial of my complaint.

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 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to take action. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report.

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 2019-06-27
Company: EQUIFAX, INC.
State: CA
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:
XXXX  and Equifax report XXXX XXXX loan opened on XX/XX/XXXX and Closed XXXX. I strongly believe that this is an identity theft and I had no connection with above installment loan. I disputed inaccurate information with above companies ; however, I did not receive any satisfactory answer. The only information they have provided is to add a statement on my report. They did not provide information about how they verified the info, what are the sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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 have a Capital One platinum master card. It is shown on my credit report that I had a missed/late payment on XXXX of 2018. It is the only one in over 1 year and a half. I am 100 % sure that the payment was made and that Capital One did not process it quick enough. It is impacting my credit score now heavily.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: CITIBANK, N.A.
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
I purchased a sofa from XXXX on XX/XX/17. They charged my credit card for a deposit and also made a pending charge for the balance which is not due until the sofa is delivered. They create pending charges for the balance every 10 days so that there are multiple pending charges against my credit line. CitiBank keeps pending charges on file for 30 days. XXXX  is under the assumption that the pending charge falls off after a few days. I have asked for XXXX and CitiBank to delete the multiple charges and they refuse. While I do have sufficient credit available to me for my purposes, others may not. I can see that some cardholders may be inconvenienced or hurt by this practice. They give priority to the merchant who continually places multiple pending charges on the card rather than the consumer whose available credit has been reduced.

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 2018-11-27
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had a flawless and good relationship for many years with Citi Bank. On XX/XX/2018, I called their office and asked XXXX of South Dakota to remove the annual fee of {$95.00} which appeared on my most recent billing statement. He said he was not able to do this. I said I had other credit cards that dont charge an annual fee. He then said he would have to close the account in order to remove the fee. I agreed we would end our business relationship now by him crediting the {$95.00} fee back, and closing the account. I agreed to pay the remaining balance in full during the telephone call. XXXX said if I pay only the balance minus the fee, the {$95.00} would remain on my account and accrue finance charges and late fees until the credit post in two months. It did not take Citi Bank two months to post the fee. This is clearly a UDAP ( Unfair Deceptive or Abusive acts or practices ) violation. Citi Bank is trying to force me to pay the fee and lose my Billing Error Rights to dispute it if the credit does not post in two months, or leave the {$95.00} unpaid for two months while it accrues late fees and finance charges. I thought I could do honest business with Citi Bank, but I learned that they intend to have either the {$95.00} or fees that accrue against 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 2020-12-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Starting in XXXX of XXXX, I started the process to refinance my home at a lower interest rate. I paid for the inspection/appraisal ; went through all the paperwork and got approved. 5 times we scheduled closing in XXXX - XXXX of XXXX and 5 times my closing was delayed because they, " had to close on an XXXX client ''. On the sixth time, my medical bills caught up with me and when they checked my score, it was too low to work with. 

I'm at my limit. 5th Third wont help, nor will they acknowledge that they did wrong. I'm not trying to get something for nothing, I'm willing and was willing to go through the process but I feel that I have been discriminated against because I'm not an XXXX XXXX  who is trying to finance a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
The check was written out to XXXX XXXX XXXX by XXXX XXXX XXXX XXXX for XXXX loan payment and was mailed on XX/XX/XXXX. Later on XX/XX/XXXX we got call from XXXX XXXX XXXX  about check not being received. Upon checking our account it showed that the check was cashed and deposit on XXXX XXXX we contacted our bank XXXX and they filed a forgery and fraudulent complaint. They were able to locate the bank that the fund got deposited into and contacted the bank. 

As of today XX/XX/2021, we haven't received anything from TD bank so we would like to file a complaint against TD bank for accepting the check not payable to them and allowing their customer to deposit into their account without further inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Two deposits were made today {$470.00} and one for {$410.00}. XXXX USAA is withholding {$680.00} of those payroll checks. 
I tried to resolve with going to a supervisor to no avail. 
I believe it is illegal to keep that much of a payroll check I would like to issue an investigation into this situation. It is not the first time funds have been held with no rhyme or reason or consistency in their policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation