BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-05
Company: RAB, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A company I represented as XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has been administratively disolved. 

XXXX XXXX - RAB, Inc. - P : ( XXXX ) XXXX - F : ( XXXX ) XXXX - is attempting to collect a debt XXXX had with a company, XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has made several threatening phone calls and emails, although I had already informed him that XXXX has been disolved. 

On Tuesday, XXXX XXXX I answered another threatening phone call from him where he was very pressuring and abusive. I ended the harassing call when he started using profanity. Specifically, " XXXX this, you 're getting XXXX. '' That is when I hung up. 

I simply want the harassing emails and phone calls to stop. The fact is, I had no personal business with XXXX. The company that did, XXXX, is no longer in existence. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In the past year, i been struggling due to the Covid 19 hardship. I have not been able to keep a job since the Covid hit in 2019. The company did help me when the covid first hit, but refuses to help me any further. I have been unemployed for the last 4 months. Worked some side jobs as i was able to to make ends meet when i could find work. I just finally found work but i just started. The company is trying to report in accurate information to the credit bureaus. My payments are due on the XXXX of every month. I just paid XXXX which they will end up getting by Tuesday, or Wednesday the latest. So in reality, my XXXX payment is not 30 days past due yet. It will not be late till after XX/XX/XXXX. They are claiming i am 60 days past due and reported my XXXX payment, and my XXXX payment delinquent! They are also claiming i owe for XXXX. My profile is showing that i owe for 3 months, XXXX, XXXX, and XXXX. I do not owe for XXXX till the XXXX! They need to fix my account page to reflect this. They also need to change my credit reports so its only showing me 30 days past due, not 60 like it is stating. The credit reports only show 30, 60.90.and 120 days past due securements. You can not jump ahead and tell the credit bureaus that i am 60 days past due when i wasn't! This is illegal! They only are allowed to report XXXX payment late since that is 30 days late. XXXX payment is not considered late till after XX/XX/XXXX. This company isn't just hurting my credit, but also my girlfriend 's credit since she cosigned for me. I take this very seriously. Its not my fault that this company has no heart and refuses to help me in this difficult time! I am doing my best to get work and keep it, and to pay all my bills in a timely manner. I am going to be filing for bankruptcy, and am trying my best to keep this account out of the bankruptcy, so it does not effect my girlfriends credit. I will not be using this bank again after this! Does not care about their customers in this difficult time! They only offered me 2 deferral periods, no other options in helping their customers like other banks do like unemployment insurance when loosing a job, or lowering your payments for 6 months. Nothing else was ever offered to me. They need to fix my account and credit reports to show i am only 30 days past due, not 60! I am planning to leave an online review about my experience of how i am being treated so others can avoid this bank!!!

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 2020-11-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today is XX/XX/XXXX. I had a Chase credit card years ago and paid it off in XX/XX/XXXX through another agency. I have all my paperwork to prove it. Six years later I am getting a notice saying I owe {$4300.00} but I can settle for {$2100.00}. When i call this suspicious company called XXXX, they put me on hold and then hang up. Cant reach an actual person. Seems like a scam to me. XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX, XXXX , WA XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2021-11-07
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XX/XX/2021 XXXX XXXX reported an unauthorized inquiry to XXXX  and equifax. i didnt receive any service or good or give permission to report. 
i submitted a FTC report and sent it to both credit reporting agencies on XX/XX/2021. no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been fighting with transunion for a while because they continue to keep removing my XXXX XXXX XXXX XXXX Account a good standing account that is XXXX XXXX XXXX, which is also my oldest account on my credit report, for no apparent reason!! This is so very frustrating and i dont understand why they are being aloud to constantly do this. They remove and i file a complaint and then they reinsert it!! Why must a consumer continue to go thru continuous problems with this company. The language barrier is already frustrating within it self and then i have to deal with them deleting my accurate information. PLEASE reinsert. I even have a letter from transunion telling me the account was reinserted and will stay.

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 2017-10-30
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: Public record information inaccurate

Complaint:
I was a victim of identity theft in XXXX XXXX. A public lien was placed on my acct. I was able to provide proof to the reporting agencies and sent them a copy of the paperwork over 2 months ago ( again ) as I was just reminded of this again when I checked my reports. Nothing has been done about this and they are still reporting the lien on my credit report. I have the proof from the XXXX of XXXX XXXX and they wo n't remove it from my report. Looking to get this matter resolved as I 'm trying to buy a home.

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 2022-03-30
Company: CITIBANK, N.A.
State: DE
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 XXXX XXXX  mouses on XXXX  on XX/XX/XXXX but I never got them. I contacted the merchant a month after the purchase date but the merchant said they can do nothing because it has been over 30 days and ask me to file a claim with my credit card company. And I did that on XX/XX/XXXX. However the merchant used the XXXX  tracking information of another order which was placed on XX/XX/XXXX on my account to prove that the order was delivered. Citi just didn't look into that and denied my dispute. And I am not able to file the claim again. I am so upset about how the merchant and citi bank treat their customer in such unfair and careless manner

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 2019-07-05
Company: PNC Bank N.A.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The loan is through PNC and serviced by XXXX XXXX XXXX. On XX/XX/XXXX I submitted a loan modification application, which was immediately denied for a few reasons, one of which was not submitting pay statements for myself and my cosigners. The issue with that is the language on the application is vague, saying : Required Materials : XXXX may require you to submit financial statements. When questioning this with XXXX on the phone a supervisor agreed that this was ambiguous. I had to submit a new application, and did so on XX/XX/XXXX. This was denied, because on the financial statement for myself and my cosigners they have a line for a second employer and second income. We left that black, because none of us have a second job - however, PNC apparently requires something in every field or the loan is denied, even though that was never communicated to me either by a representative or on the application. I now have to submit the application a third time, but now the loan is 30 past due and I risk negative credit reporting. I feel as though PNC and/or XXXX is making this process intentionally difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
fXXXX XXXX XXXX reported an unauthorized inquiry to experian on XX/XX/2021. i didnt receive any service or good or give permission to report. 
i submitted a FTC report and sent it to experian on XX/XX/2021. still no response.

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 2022-03-30
Company: SYNCHRONY FINANCIAL
State: NC
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 payment attempt : XX/XX/2022 second payment attempt : XX/XX/2022 I made the first attempt paying my bill with the checking account ending in XXXX. I received an email stating that my payment had been returned. Reviewed payment history on the website and saw the first attempt payment was not pulled from my checking account ending in XXXX, however, from an old account that is closed ending in XXXX. I removed that old account using the the Synchrony app, so I am unclear how the payment went to be processed using that account instead of XXXX. I called customer service, and representative advised me that there were no record of me removing old account ending in XXXX, and that I should review the website instead of app to verify my banking information. I have done that as of now, and the account is reflecting XXXX banks which is correct and I do not see the account ending in XXXX. So again, I am unclear on how the payment was processed using that account. I want this issue noted on my account. This is a big red flag, and if it happens again, my account is in danger and could be closed due to this. This is Synchrony banks errors, not mine. Please adjust my account profile if the old account ending in XXXX is reflecting, it should be removed ASAP.

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 2017-10-30
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo has sent a letter stating that we are behind two payments on our mortgage. I have sent letter to them on several occasions to ask what two months are you speaking of.They have sent back information that do not give real dates, they give the dates of the current date, dates in which is current for the last two months. We have receipts for the current months. 
I recently sent a letter on XX/XX/XXXX, XXXX. I have tried to resolve and get true answers. 
I received a letter dated XX/XX/XXXX stating I needed to apply make an application for something, they did not say but wanted income information before XX/XX/XXXX. I assume it 's before they go to foreclose on my home. We have completed this application in the pass and has been turned down on several occasions. I am finding it hard to know the truth and what 's false. I do n't believe they want to help. 

I am seeking the truth, not the program rituals they continue to give us. What is so hard about giving me true dates of missed payments? We were also concerned about the bankruptcy money and how it was applied to the loan. We have yet to see this applied. We question them and have written letter to ask that question. 

Wells Fargo is reporting that we owe {$20000.00}. Two missed payments, late fees of {$3500.00}. We tried to pay the late fee and they sent a check back to us. They would not take the payment. 

Can anyone get answers from them? I have worked on on trying to keep my home.

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 2017-10-30
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: Old information reappears or never goes away

Complaint:
Experian is still reporting 2 delinquent accts as active. One was a car loan with XXXX XXXX XXXX that was closed in XXXX and they have been reporting it as not paid for 3 years. Also for the year of XXXX partially paid on time but then other months have no remarks. The car has been out of my possession since XXXX so all the information is inaccurate. This has been reported until XXXX. Again the car has been out of my possession since XXXX. XXXX and XXXX have it totally off my report as it has passed 7 years. They are also showing a power bill from XXXX with XXXX XXXX XXXX as non paid which was paid many years ago and always on time. Neither should be on my report. Again XXXX and XXXX have this information correct. When you try to call them you ca n't get an answer or resolve the problem. I have sent letters and tried to do it online which they say I can not due for some reason. Basically just give you the run around and will do NOTHING to help. This agency is ruining my credit and I would like something done about it. I have read many many many other horrible reviews about Experian and their business practices. Hopefully this reaches someone who can help. Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Stephen L. Bruce, P.C.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was involved in a XXXX accident in XX/XX/XXXX in which I suffered a XXXX. I had been reported to a collection agency in XXXX. ( XXXX XXXX XXXX XXXX XXXX ) who refuses to follow the law. This company ignores the rights I have under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have sent multiple letters exercising my rights to ask for 1 ) date of first first delinquency and also when I missed my first payment. 2 ) Statute of limitations may not  validate the debt.3 ) Copy of the original signed agreement and balance on the account from XXXX to present. 4 ) What is the account number of alleged debt. 5 ) When was the last payment made on this debt. 6 ) What was the credit limit of this account? 7 ) XXXX XXXX XXXX XXXX are trying to collect the wrong amount. 8 ) XXXX XXXX XXXX XXXX are asking me to pay more than what is owed. 9 ) XXXX XXXX XXXX XXXX are trying to collect a debt that s not valid. 10 ) XXXX XXXX XXXX XXXX have not accurately verified & validated the debt. 11 ) XXXX XXXX XXXX XXXX information concerning this debt is inaccurate and must not be reported to the CRAs. In good faith I have offered an olive branch to XXXX XXXX XXXX XXXX to settle the debt because I have documentation of everything from my near fatal accident, medical history and official papers explaining how I am currently dealing with the stressful situations. I 've given official statements and paperwork from my neurologist to behavioral counselors and have express to this company ( XXXX XXXX XXXX XXXX ) that at the time of this application ( XX/XX/XXXX ) being rendered that I was mentally impaired, incompetent and incapacitated. I continue to have difficulties and suffer from XXXX XXXX, XXXX XXXX and have also survived a XXXX attempt. I have told XXXX XXXX XXXX XXXX that I have exhausted all of my time and energy asking them to leave me alone and to give me room to breathe so that I may be a productive citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I enrolled a merchant offer for XXXX gas purchase in my Citi Dividend credit card in XXXX. It offered a {$10.00} back on a $ XXXX purchase at XXXX and the offer expiration date is XX/XX/XXXX. I made the purchase on XX/XX/XXXX and the transaction was posted on XX/XX/XXXX. I didnt get the offer bonus for the qualified transaction and the offer disappeared from either Enrolled or Redeemed in my account ( while I had a similar merchant offer for XXXX XXXX  XXXX purchase, it showed as Redeemed after the expiration date ). I tried to reach the Citi customer service either via online chat or phone. No one was able to explain why the offer disappeared from my account even I had an eligible purchase. In the attached document, you can see the offer was added to my account, with an expiration date on XX/XX/XXXX ( print screen on XX/XX/XXXX and offer expires in 11 days ). Another picture showed the purchase was transacted on XX/XX/XXXX and posted on XX/XX/XXXX. A chat history is also provided, showing the Citi customer service representatives explanation that offer expired on the start of XX/XX/XXXX and my transaction was posted after the offer expires ( dialogues highlighted in the document ). This explanation makes no sense to me. I already spent a few hours with the Citi customer service and they refused to honor the {$10.00} credit, as advertised. I dont think Citi is willing to resolve the issue.

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 2021-11-07
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The attachment is being submit to the compliant that was file on XX/XX/XXXX /these evidence document support the fact and needed to be review by the bank and department ( FDIC XXXX this document was issue in XXXX from Senior Vice President XXXX XXXX XXXX the TD Bank XXXX. these supporting document will show that the XXXX did indeed have overdraft pretention service since XXXX went they first open that account at TD Bank. that was offer by the vice president and the represent of the TD bank. .The compliant on XX/XX/XXXX. # XXXX These document go with that compliant that was file Last week. about this the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo issued a check in the amount of XXXX issued in my name and my fathers name this check was deposited into a XXXX XXXX XXXX XXXX account that was of no association to me and my name was forged on the check. I have been in constant contact with both banks and XXXX XXXX XXXX XXXX was willing to resolve this situation Once Wells Fargo supplied them with a affidavit of fraud and I have asked and requested this information for more than a year with several responses from the fraud didnt happen on Wells Fargo end to ask the other party on the check for the funds state employees has admitted to the forgery of my name and the depositing into an account of no association. But Wells Fargo refuses to assist me. I have filed police reports and several complaints with no help

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