BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-10
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems is reporting a collection accounts on my credit report acct # XXXX. I was told that I allegedly owe a debt to XXXX apartments. When you XXXX the XXXX apartments or the address they have listed on my credit report with this property no information about this apartment comes up I also asked this company to provide me with the contract that they have between The XXXX apartments and they refused to provide me with the information requested. I believe this alleged debt to be fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
This is furtherance of complaint # XXXX. The response from US Bank was that they have sent the balance on the debit card to XXXX  XXXX XXXX. I have ben in contact with XXXX XXXX XXXX and they have not received the funds from US Bank. If US Bank did indeed send the money to XXXX  XXXX XXXX, please have them send me proof of such transfer so that I can send the proof to the XXXX  XXXX XXXX. All I can tell them now is that US Bank has stated they have sent you the money.

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 2017-12-26
Company: CITIBANK, N.A.
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:
I called to find out why i my score went down i have always had excellent credit so this really up setting i worked really really hard to keep my credit in really good standing  I was looking on my credit report and saw that XXXX XXXX credit card made my score go down and i spoke to them and they assured me they would make sure that i my score would NOT BE   affected that was not the case  because i never received statement in the mail i have never been late  late and this was during a hurricane Irma i did not receive any  statement i called to inquire and said it was 30-49  day late however i never received any statement so i am disputing this Payment XXXX 2017 never received statement and the dinged my credit i was paid off in full after i received my statement but they sill affected my credit which was not fair I do not recommend cit-bank credit cards they are not reasonable or friendly and they assured me they would correct this and they never did ..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Account Number XXXX ), has violated my rights. 

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX ( Account Number XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 non-monetary relief
Consumer complaint received 2022-04-06
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: Investigation took more than 30 days

Complaint:
I have failed to receive notice of investigation from the following XXXX bureaus : Experian, XXXX, and XXXX. The following credit report has stopped me from receiving funding and good character when applying for anything. Letters sent out on XX/XX/2022, since then i have received 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 2017-10-04
Company: M&T BANK CORPORATION
State: NV
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:
I have a mortgage with M & T Bank, which was modified by a HAMP in XX/XX/XXXX. My mortgage account is reported as past due 30 days for XX/XX/XXXX ; past due 60 days for XX/XX/XXXX ; and past due 120 days for XX/XX/XXXX &  XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX. In fact, I was in a HAMP Trial Payment Plan during this period, made every payment as agreed and have never missed a payment since. 

Despite assurances from XXXX XXXX, which processed the HAMP modification for M & T, that I would not be reported as late, M & T continues to report all these HAMP trial plan payments as " late ''. I have filed disputes with the three major credit reporting bureaus, which refuse to correct the reporting because M & T refuses to change its position. 

In accordance with XXXX XXXX guidelines, the loan should be reported as paid as modified. See, page 5 of XXXX XXXX Publication 800 for servicer instructions re : credit reporting of modified loans which states that HAMP modified loans should be reported as being paid as current, but on a modified payment if payments are made by the XXXX day of each month.

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 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There are 3 accounts that are reporting on my consumer report that are in violation and this is a Violation of my Consumer Rights as a Federally Protected Consumer. Because of these violations, I demand that all 3 of these accounts be removed/deleted from my consumer reports. I Called XXXX, Transunion, and XXXX  XX/XX/2021 and all 3 bureaus said that there is no such law and they dont have to remove anything. I explained My Consumer Rights and the laws they are in violation of but I am not being taken seriously.

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 2022-03-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX and at this time, I will also inform you that XXXX XXXX offices have reported invalidated information to all 3 of the major CRA 's ( XXXX, Equifax or XXXX ). XXXX XXXX, whom you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The account is charge-off/collection account. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. XXXX XXXX and their inaccurate reporting have damaged my livelihood & caused me anxiety. I wrote to XXXX XXXX via certified mail on XX/XX/XXXX, requesting for a Validation and they IGORNED my Debt Validation Request. On XX/XX/XXXX at XXXX I wrote to XXXX XXXX XXXX XXXX Chairman and Chief Executive Officer & XXXX XXXX XXXX Vice President and CEO of XXXX XXXX XXXX and I got no response from them either. In my letter I stated they had 10 days to remove the unverified item and again I heard nothing. This is the 2nd time XXXX XXXX ignored my requests. In this complaint I attached a copy of the certified mail receipt along with my debt validation letter that XXXX XXXX ignored. Along with a copy of the email I send to the XXXX XXXX CFO 's that was also ignored. XXXX XXXX has violated my consumer rights, not once but twice! I want XXXX XXXX to stop violating my rights and remove the item from my consumer report. By law the CRA's/ creditors etc has 30 days to complete a 30day investigation, & XXXX XXXX failed to do so. The 30 day mark has come and gone over 4months ago! Therefore XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Equifax Information Services LLC by law shall remove the item from my consumer report. There is a laundry list of damages caused upon me from XXXX XXXX & the CRA 's!. 
If any debt collectors, creditors are not able to provide the proper documentation as requested in a Declaration, all collection activity shall CEASE and Desist. 
Overall XXXX XXXX office fails to respond to the validation request within 30 days from the date of my receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX  / XXXX  / {$1100.00} / XX/XX/2022

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 2017-10-04
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Hi, First off just wanted to thank you for reading this and I hope you can help me.
The problem is n't exactly as stated. I have a title problem, but the problem is about transferring jurisdiction not about receiving the title at the end of the payoff period. I still have 6 or 7 months on the loan. In XX/XX/XXXX I  moved to XXXX from XXXX. The XXXX DMV requires that they reissue the title for the car prior to registering.
I called TD Auto Finance, my lender regarding how I should do it. They recommended that I send in the form requesting the title be send to the XXXX DMV, but wanted me to switch my insurance to my new address first. I did that. On XX/XX/XXXX I talked with them on the phone after moving my insurance. They looked at this link ( below ) and reviewed the form and agreed to help. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The title was not sent. They called me back a week later asking for the form. I mailed it in. They called me back after about another week accusing me of stealing my own car. They realized their mistake and said they would help me register my car. At the beginning of XX/XX/XXXX the XXXX in XXXX cancelled my registration as they had been notified by my insurance and lien holder i had moved.
After sending in the form by mail another time, trying to fax it to them 2 more times, writing 4 emails of progressive frustration, and 2 more calls ; I am now paying for a car for the last 2 months that I can not drive as its not registered in any state.
TD has sent me the wrong tracking number at least once and there is no line of sight to resolving this issue.
Please help. All they needed to was send the title. Instead, now I both need that to be done as well as get some relief for not being able to drive the car I pay for 2 months.
thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a capital one credit card ending in XXXX, on XXXX XXXX XXXX there was a fraudulent transaction of {$250.00} on my credit card, I did speak with someone in the Capital one Customer care but they are refusing to address my complain and bring a solution to it, they said someone will call me back soon regarding this problem but no one called me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
When I opened my checking account with Capital One 360 I was enrolled in a promotion " Open a new Capital One 360 checking account by XXXX XXXX, XXXX and receive XXXX direct deposits of {$250.00} or more within 60 days of accepting the terms. You must also use the reference code XXXX. '' I entered the promotional code and completed the requirements of the promotion as required and never received the {$400.00} bonus stated in the terms. Qualifying Direct Deposits include payroll through an employer, Social Security XXXX XXXX Deposits, Fixed Income Direct Deposits, and government benefits ; I received XXXX ACH deposits of {$250.00} each on XXXX XXXX, XXXX, and XXXX XXXX, XXXX, they were both payments from my part-time employer XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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: Card was charged for something you did not purchase with the card

Complaint:
Hello, I have a Citibank issued Best Buy Visa Card and for several YEARS, they have been charging me for a " credit protection '' service that comes up as " DEBT PROT XXXX '' that I did not authorize or agree to. The payments alone have been {$90.00} or so dollars a month. I noticed these charges last year in XXXX of 2021 and I asked them to unsubscribe me from this enrollment. They only did that for one month and resumed charging me around {$90.00} a month ( changing the amount monthly ). I called to dispute the charges but they keep telling me lies about my account. First they say my account isn't open, then they say they cant find it, then they accuse ME of fraud, then the woman on the line kept either hanging up or " transferring '' me to different departments where I would be disconnected. This is clearly a fraudulent scam on Best Buy and Citibank 's end and it needs to be resolved, not just for me but for ALL of their customers. 

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 2019-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Over the last couple of months Ive been disputing this student loan with TransUnion and XXXX. I cant understand how I could be current on XX/XX/2015 but 90 days last the next month. I tried and tried to take care of this situation with transunion and XXXX but they keep validating this inaccurate reporting.

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 2017-12-26
Company: DISCOVER BANK
State: MS
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 behind on my Discover card, was unemployed, and XXXX offered a payment plan to fit your needs ( what you could pay without not paying at all ). At first it was {$60.00}, then it went to {$70.00} and then it was an amount they had not discussed with me, and I had my payment set up for auto pay so that I would n't get behind on the payment plan. Well, I got a statement and I was told that the min. payment had gone up and that 's why I was so the past due amount was high. 

The second thing is, when I did the payment plan option, it ask you to choose a date. I chose the XXXX and then the XXXX. Well Discover does not tell you that even though you are on a payment plan, with a different date, that they report to the credit bureaus that your payment is late. So even though you are paying on time with the payment plan in place, it 's not reflected to the credit reporting agencies and this is wrong and unethical. I have been paying that bill on the XXXX and later on the XXXX with NO KNOWLEDGE of my payment being reported as LATE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! This ridiculous! I chatted with a Discover rep today, XXXX and she said that it 's not told to cardholders who do the payment plans. Have them pull that chat for today 's date about 5 min ago and you can read it for yourself. I want my late reports removed immediately!!!!!!!! This is not fair. Very unethical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I called to talk to DITECH regarding my escrow increasing from an escrow analysis performed in XX/XX/XXXX. They were increasing my mortgage payment due to an escrow increase. I asked them why they paid my taxes in XX/XX/XXXX when it should have been a XX/XX/XXXX for XX/XX/XXXX. I told them that paying early effects the low point in the calculations and they said it would not happen again. Come XX/XX/XXXX I  found that they paid it again over 60 days early instead of XX/XX/XXXX when the payment should have been applied. This directly contradicted the escrow schedule provided in XX/XX/XXXX. I called them and asked for an explanation on why this occurred again. They said someone from Escrow would call me within 3 weeks. I waited the 3 weeks and no return call or correspondence came. I did however receive a notice that they were transferring the servicing of my account. This just seems like they transferred me out of retaliation when I was questioning them for manipulating the numbers to get more money out of me. I know they can have a cushion of 1/6 your annual escrow payout, and that they can bring the lowpoint to the cushion level. I feel that they are intentionally manipulating the numbers by estimating payments in one month but paying early to increase the lowpoint difference. I feel this is a shady business practice and down right predatory as we have no say in the transfers of servicing. Now I have to deal with the ramification of their miscalculations with another service provider. Since they have sold it, it now shows my lowpoint as XXXX when it should have shown a balance of XXXX which means they will charge me more money to bring up the lowpoint to the cushion. 

They need to be investigated for fraudulent manipulation of escrows as I am sure I am not the only one whom has had them do this. 

Also I think retaliation is a big issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: ERC
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 information incorrect

Complaint:
Enhanced Recovery Company collection for XXXX XXXX XXXX in the amount of {$100.00}. This account is years old. It was settled. It popped up on my credit report sometime after it was paid. I disputed it when I become aware of it and sent paperwork to confirm to XXXX. It was removed from my credit report for a period of time. I became aware that it was added back again when applying for credit and being denied. I again disputed and asked for dates, and payment history, which I never received. I have not received notice directly from Enhanced Recovery Company, it only keeps popping up on and off on my credit. It shows on my credit as if it was placed in collections on XX/XX/2018, even though I haven't had XXXX XXXX in more than 3 years, it was initially disputed prior to XX/XX/2018 and readded. The only other explanation is someone else fraudulently used my name because I have not had XXXX in years for any services. I have now been denied credit twice before of this false reporting. It is harassment. I have 24 credit accounts in excellent standing with credits of up to {$20000.00}. This one false negative reporting for {$100.00} has stopped me from getting credit. Enhanced Recovery Company placing this on my credit report without sending me notifications through mail, without providing an account history, it being removed more than once after being disputed to only show up again is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX XXXX Date XX/XX/XXXX Amount : XXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX AmountXXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX

Company response to consumer: Closed with explanation