BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-11
Company: CITIBANK, N.A.
State: TX
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:
i was in a car accident where somebody came and hit my car from the back. The other party 's insurance company took the liability COMPLETE liability of the car and personal liability, * ( letter attached below ) following week i was having XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i told them i was in an accident and i want to be seen because i am unable to continue to go to work and am struggling to work and having XXXX XXXX XXXX XXXX XXXX XXXX  the billing lady she asked me to fill a form and asked me to keep a credit card on file and mentioned * WE WILL NOT CHARGE YOU, WE WILL BILL IN THE INSURANCE COMPANY BUT ITS OUT POLICY* i was in such a trauma due to losing my job because of this and not being able to walk, being a XXXX student i was worried how will i be able to do clinical when my semester starts. So i get home and i see they have charged me i tried calling them they said oh we were not sure who to reach out to, i told them the lady in the reception made me fill out a form and she said that the insurance company will be billed it is just the policy to keep the card on file. they said we will look into it and since then they have not responded to me. i spoke to XXXX ( liability other parties ) insurance company they said XXXX XXXX never reached out to them. 

WHY am i being charged for it? I have the letter where they are taking this liability and the urgent care never even bothered to reach out to the insurance. 

** this transaction was NOT AUTHORIZED by me as i was lied to by the XXXX XXXX team and now they haven't been responding to my emails. IN TIME as a customer i reached out to my bank and placed a dispute they took nearly 2 months and came back to me closing in their favor where i even supplied all the documents they asked for ( attach below are all the things u will need, a liability acceptance and the bank denying the dispute ) it is an UNAUTHORIZE transaction when i was more concerned about being checked for my XXXX XXXX and injury. 

XXXX XXXX never reached out to my insurance, they falsely charged me and now they won't even connect me to anyone for me to resolve the issue with them. I should not be liable they need to contact XXXX insurance and come back to me with a PROOF that XXXX isn't taking or accepting to pay which won't happen because the letter attached below CONFIRMS XXXX accepting the liability.

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
As a XXXX  who just got is social security this XX/XX/2021 I was taking advantage of by some of this companies and most of them where actually more of like a deceit pulling hard enquiries where they indicated that it wont affect my credit but ended up been a hard pull and some I didnt even give my information. In such a short period of time how could I possibly have all this hard enquiries it dont even make no sense They are as follows with dates and descriptions : XXXX. XXXX Bank XX/XX/XXXX. Was suppose to be a soft pull to check if I prequalified and instead they ran an hard pull. 
XXXX. XXXX XXXX XXXXXXXX XX/XX/2021. This I have no idea of I remembered shopping from XXXX on that day if that was how they got my info I dont have a clue but I didnt request nothing from them XXXX. XXXX XXXXXX/XX/2021 This I have no idea of in its total entirety I dont know them XXXX. XXXX XX/XX/2021 Yes am an XXXX shopper but I requested nothing that has to do with credit from totally disputing this too. 
XXXX. XXXX XX/XX/2021Yes I have shopped in XXXX couple of times but I never requested no credit card to warrant this please am disputing that. 
XXXX And last XXXX XXXX BANK XX/XX/XXXX and XX/XX/ respectively. I did apply for a credit card from them but they never replied back either I was approved or unapproved so why would I have a double hard pull on my credit at those XXXX separate dates thats totally unofficial as I wasnt even approved so even if there should be a hard pull from XXXX it should one out of me been sincere.

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 2018-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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:
I made a purchase of {$86.00} on my Capital One credit card on XX/XX/XXXX. I received my statement from Capital One for XX/XX/XXXX-XX/XX/XXXX with a XX/XX/XXXX minimum due payment of {$25.00}. On XX/XX/XXXX my wife made a {$40.00} payment ( late ). On XX/XX/XXXX my wife made a {$40.00} payment of which Capital One posted to the wrong account and Capital One charged me a late fee for posting my payment to the wrong account. My wife made a final payment was {$31.00} ( $ 6.59+ {$25.00} late fee ) for a total of {$110.00} and wrote " PAID IN FULL '' on the check. That is {$86.00} plus one late fee of {$25.00}. Capital One cashed the check. On numerous occasions I had told Capital One to contact my wife and talk to her regarding this issue and Capital One refused to do that. I am a truck driver and I can not talk on the phone while I am on the road. My wife has tried to talk to Capital One numerous times from XX/XX/XXXX to  present. Capital One refused to talk with her even with my permission. I filed a complaint on Capital One XX/XX/XXXX with the Better Business Bureau, ID # XXXX but Capital One continues to bill me for {$140.00} in late fees and finance charges. I don't feel as though I owe Capital One anything else. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: U.S. BANCORP
State: CA
Product: Credit 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:
When I was XXXX XXXX XXXX XX/XX/2022 from a California prison. I was informed that my card had been used. So I contacted the US bank reliacard and file a dispute for the charges. I have been getting the run around for over a year. They don't send me the right paper and they never do what it says in the terms and conditions. I just get lied to hung up on told wrong information. I just want my money. I have turned in every piece of information I have to proof my case. And still I get nowhere. Please help me. Police report has been file and identity theft paper have been file with irs. And still nothing. Still to this day I don't have any paperwork from them. the transaction can't be accessed online because they won't help me get back on my online account.

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 2023-04-11
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting information without my consent in which it states i owe such debt to this collection which is not in fact the original creditor this is false pretenses This company have violated my consumer right under 15 U.S. Code 1692j - Furnishing certain deceptive forms.

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 2021-07-20
Company: EQUIFAX, INC.
State: PA
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:
I have made numerous attempts to get this issue resolved. The credit bureaus have an obligation to report complete, accurate, and validated information. XXXX and Equifax have failed to remove an incomplete unvalidated bankruptcy that is reporting on my credit file. It is damaging my credit. When filing bankruptcy it must be an amount you are filing bankruptcy for? The date filed should not be 2 different dates. XXXX is not reporting this bankruptcy but XXXX and Equifax continue to report this incomplete invalid negative item. I have submitted several documents with proof in black and white and they have been disregarded. THE BANKRUPTCY NAME DOESNT INCLUDE THE CITY AND STATE WHERE THE PUBLIC RECORD WAS INITIATED. DATE Bankruptcy was FILED/REPORTED FOR PUBLIC RECORD INCONSISTENT. See attach copy of credit report with the reporting status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I would like a full report on all the payment dates, late payments, payment amounts, all amounts owed, the credit limit and all information they used to prove the information on this closed account was accurate.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to bring to your attention an issue concerning my credit card account, specifically regarding late payments that have been reported to the credit bureaus. 
I recently reviewed my credit report and noticed that there are late payments recorded on my account. After careful examination of my financial records, I have identified discrepancies in the reporting of these late payments. I believe there may be an error or misunderstanding, and I would like to request your assistance in rectifying this matter. 

XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 

I kindly request that you investigate this matter and, if appropriate, correct the information on my credit report to accurately reflect my payment history. If there were any oversights or errors on my part, I would appreciate your guidance on how to address and rectify them. 

I appreciate your prompt attention to this matter and kindly request that you provide me with written confirmation of the resolution once the investigation is complete.

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 2023-09-21
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
bought the car XX/XX/XXXX from XXXX XXXX XXXX XXXX first payment was to be XX/XX/XXXX. 
GM Financial reported to credit bureaus first payment was late and due XXXX. 
then they continued to call XXXX times a week and every month XX/XX/XXXX was when i requested a payment history and found that i had multiple payments made that had not been posted. 
I contacted GM Financial and provided them with XXXX payments that had not been applied to my account. they requested i send copies of conformation of payments made in an email. I scanned in all documents and sent the email to the address they provided. 
XX/XX/XXXX i received mail from GM Financial stating they are starting the process of reposing of the car. it was at that time i called to find out about the missing payments and what we need to do. they said i would have to refinance the car and they sent me paperwork at that time via email and told me to sign paperwork and said i would not have to worry about them calling me every day and my payment would not have to be made at that time for the rest of the month. 
i have been calling to find out why payments are missing but never get this issue resolved. i have submitted documentation multiple times and I am never contacted after providing everything requested. 
I had made arrangements with the auto dealership that after 1 year I could bring in the car and trade it in for a more suitable one but only after my credit was established. 
i was unable to fallow threw with the arrangements due to GM Financial reporting that I am behind on payments. 
This had been an inconvenience for our family. 
we have had to rent vehicles to continue with the responsibilities and obligations. 
I reviewed my credit report and found why I was not able to trade in the car for a more suitable vehicle for my family as scheduled at the time of purchase. 
as of today, i have not heard from GM Financial regarding any proof of payments I emailed in at their request. 
as of this year, my credit reports now reflect that i was never behind on payments and reflect all payments were made. 
THAT DOES NOT HELP ME NOW BECAUSE OF THE FALSE REPORTS ON MY CREDIT REPORT THEY CAUSED OUR FAMILY THE DENIAL OF A MORGAGE AND CAUSED LOSS OF INCOME BECAUSE I DO NOT HAVE THE MEANS OF HAULING A COOKER THAT IS USED TO RAISE MONEY FOR NON-PROFIT ORGANAZATIONS WITHIN THE COMMUNITY. 
I will upload supporting documents at a later date

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$16000.00}

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 2022-02-06
Company: JPMORGAN CHASE & CO.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase Mortgage. They stopped sending me bills. I always pay my bill right when I receive it in the mail. They went 2 months without sending it. I did not sign up for paperless statements, and was not contacted by Chase saying they were making me go paperless. I had an XXXX credit score, and enough money in my savings account to completely pay off the loan. At the same time I didn't realize I hadn't received my bill, therefore out of sight out of mind. My parents in Kansas both came down with XXXX, and my mom who can't XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had to fly to Kansas and was there for almost a month, during which time my dad died from XXXX, and we had to move my mom to XXXX XXXX, and pack up their house and move their stuff out. During this time, I was completely consumed by my family emergency, and the loss of my dad. I was not contacted once during this time by chase to let me know they had not received my XXXX payment. I came back for 1 week XXXX there was nothing in my mailbox. And I had assumed I had paid every bill that had arrived. I flew back to Kansas to finish helping my mom. I flew home XX/XX/10. It was at this time that I received a letter stating that chase hadn't got my XXXX or XXXX loan payment. I paid both months immediately, and called chase to explain the situation. I was assured numerous times on the phone call it would not be reported to my credit report. Fast forward to XXXX credit report. It dropped from XXXX to XXXX in one month because chase did report it to my credit report. I have logged over 8 hours on hold and speaking with agents at Chase to resolve this. I have been given a different story by multiple agents, mis information, and bold face lied to. I finally requested them to pull the recorded phone call so they could hear for themselves what I was told. After 2 weeks of waiting for their 24 to 72 hour review, I was told they couldn't find the recording. 2 weeks later I was called, and told they had reviewed the " missing '' call and it didn't say anything about my late payment and not reporting it. I have finally been escalated to the executive office of Chase to A research analyst named XXXX. I have know idea how much longer this can go on. In the meantime, they raised my loan from {$3400.00} a month to {$3900.00}. They state that an escrow review required it. I've tried to get to the bottom of that too to no avail. My taxes have not gone up. My insurance changed by {$200.00} a month. This doesn't warrant 30 years of {$430.00} more monthly. Chase has been an absolute nightmare to deal with. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-03
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
Inaccurate late payments are showing on credit report. Loans were in the process of deferment and multiple late payments were reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: PLANET HOME LENDING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2017 I closed on my home, XXXX was the mortgage holder per the paperwork signed. I was then notified that I would make payments to Planet Home Lending, which I did from the vary beginning. 
Last year my mortgage increased by {$400.00} per month because they stated that they had an escrow shortage due to an increase in my taxes. Not being able to afford that I requested a FHA streamline refinance. 
I received a letter with another individuals Name Address and  Social Security number on it. At that point I was very concerned that my personal information may also be given out to other Customers of this company. 
I called Planet Home Lending to complain and they stated that my refinance was denied. 
I started to research my escrow account only to find that what I paid at closing was not the amount Planet Home Lending started my escrow account with. I paid a total of $ {$1400.00} per my settlement sheet and Planet Home Lending started my escrow account at {$670.00}. 
I contacted XXXX XXXX who explained that this was a net loan and the mortgage company was not paid from the Title Company, but instead deducted the escrow and paid the Title Company the difference ( Never heard of such a thing ). I then contacted Planet Home Lending who told me that XXXX owned my original mortgage and I would have to speak to them. They are out of Business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: U.S. BANCORP
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
USBank Home Mortgage is about to steal my home through Fraudulent Foreclosure. 

Before I found out about their fraudulent activities I fell behind on my payments due to loss of my job. I contacted XXXX XXXX and he failed to show up in court so the mortgage company got a judgment in default. 

I tried repeatedly to obtain a Loan Modification after my finances were back on track. They denied me multiple times. I gave permission to a friend of mine to make a Loan Mod request on my behalf and again USBank denied it. 

I hired XXXX XXXX ( a Loan Modification firm ), and again USBank refused to grant the request. I used a non-profit company called XXXX to request a Loan Modification on my behalf and they too were unable to get any cooperation from USBank Home Mortgage. This is a desperate plea for help because I can not afford to lose my home and end up on the streets at XXXX XXXX XXXX. I need your intervention. I can prove the fraudulent acts by USBank Home Mortgage and its Officers. Please help escape a Fraudulent Foreclosure. I can not sleep at nights, I can not breathe sometimes, I can not eat or think straight sometimes.

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 2023-04-14
Company: Experian Information Solutions 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:
My name is XXXX XXXX, and I want to report an incident of identity theft. Upon receiving a copy of my credit report, I was surprised to discover multiple accounts that I never opened and am unaware of. After conducting research, I learned that I need to file a report with the Federal Trade Commission or visit their website at https : //www.ftc.gov to remove these fraudulent accounts from my report. I have attached the necessary documents to assist in blocking the erroneous information posted to my report. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$210.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$75.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$560.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX  Bankruptcy Reference # : XXXX XXXX XX/XX/. According to Section 605B of the Fair Credit Reporting Act, Credit Reporting Agencies are required to remove any accounts listed on an ID Theft 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 non-monetary relief