BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Would like my fraud alerts removed from my credit 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
Consumer complaint received 2017-08-02
Company: ALLY FINANCIAL INC.
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I executed a transfer from my Ally Online Savings Account to my Ally Interest Checking account via my logged in online account. Ally Bank duplicated the transaction, such that the amount was transferred a total of 2 times. The second transfer was made in the absence of any instruction from me to do so, and shows as counting against the Regulation D 6 transfers per monthly statement cycle. I immediately notified Ally of their error, and requested that the wrongly duplicated transaction be reversed so as to not count against my 6 allowed transfers for the month. Ally told me this could not be done, and that the duplicated transaction would in fact count as a distinct transaction for Regulation D purposes. Ally offered to execute a third transaction, moving the duplicated amount back into the Savings account, but that does not resolve the issue, as I could potentially need to make use of all 6 of my allowed transfers out of Savings. I was told the same thing by both a chat representative and their supervisor once escalated. I do not believe Ally has resolved this issue. My position is that Ally has taken away the ability to make 1/6 of my allowed monthly transfers, and failed to either rectify the issue or compensate me for lost freedom under Federal law. Furthermore, Ally 's refusal to to reverse their own errors is concerning due to the impact this could have on other customers were they charged overdraft fees due to a duplicated transaction. Luckily, the second transaction Ally made did not overdraft my account and I was not charged a fee, but I believe other customers who experience the same issue could be subject to fees. Given that even determined customer complaint could not resolve the issue, I am concerned other depositors could be harmed by Ally 's negligence in future.

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 2021-09-16
Company: LJ Ross Associates
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX an associate from L J Ross Associates called me stating I owe a balance of over {$1000.00} that was sent from XXXX XXXX XXXX! I explained to the associate i did not have any debt with either company and she should not call me demanding a payment! The associate disregard my response and continued to tell me I owe this balance and continued to repeat the last four digits of my social security number! The associate also told me I need to pay this balance or a legal action would be taken and disconnected the phone line. I've sent a letter to L J Ross Associate 's on XX/XX/XXXX and have not received a response in regards to my letter! Under section 15 U. S. C 1692b ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes debt! I am demanding that all phone calls be terminated and I am paid XXXX per violation of this company!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am afraid of using my visa card, because i got a call from XXXX XXXX XXXX XXXX stating that two charges were made this morning that I did not authorize. 
how do they know my credit card? 
how do they know my phone number? 
should law enforcement investigate this number or CFPB? 
I called Capital One and there is not such charges. is this fishing to verify phone number credit card number?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Rocket Mortgage, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Quicken Loans Mortgage Lender currently has a policy where if an outside third party vendor has your loan number and your last four of your social security. They can simply over the phone request your loan payoff amount. If they choose the wrong type of loan payoff amount, Quicken Loans charges their customer you the burrower {$25.00} per request. Quicken Loans has no other verification system in place and as stated in an email from customer service " assumes '' these companies are making this request on you the customer 's behalf. Quicken Loans provides no notification and the fees just keep piling up. The other real sad part of this in the fee schedule and structure they shared with them the fee for this " Service '' for third party vendors is " Up to {$25.00} ''. Which means this is literally at their discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
There are two incidents and discriminatory actions via CITBANK CARDS XXXX XXXX XXXX XXXX XXXX, S.D. XXXX 1. Citibank intentionally tried to manipulate my credit by lowering my agreed upon credit limit, when payments were made on time, and no derogatory account status, on any of my credit report was researched.

Citibank was called and upon arguing repeatedly with 2 CUSTOMER SERVICE CENTERS REPRESENTATIVE OF NY 2 CITIBANK CARDS, MY LIMITS WERE RESTORED TO THE AGREE UPON AMOUNTS HOWEVER, 1 MONTH LATER Citibank closed my credit cards, ( 2 ) which both had balances and available credit on them, both of which have been paid as agreed, for alleging foul language at a customer service representative while Citibank was discriminating against me and violating federal and state law by trying to intentionally manipulate my credit and credit history.

This is unacceptable. CITIBANK CARDS I.E. CITIBANK CORP AND OR. BUT NIT LIMITED.TO CITIBANK OFFILIATES AND THIRD PARTIES HAVE VIOLATED MY RIGHTS AS A CONSUMER, AND FEDERAL AND STATE FAIR CREDIT PRACTICES ACTS, TRUTH IN LENDING BY MANIPULATION, AND MISLEADING ME TO BELIEVE MY LINE OF CREDIT WAS AS SUCH .... 

ACTION : CITIBANK MUST IMMEDIATELY RESTORE MY ACCOUNTS TO OPEN STATUS OR FACE LEGAL ACTION...

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 2020-05-12
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2017-08-02
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I previously had a collections account successfully removed from my report due to it being a fraudulent account. Without any notice this same account was put back on to my credit with a different collector name. The only reason I was aware that this account was resubmitted onto my report is because I check it regularly via XXXX XXXX. I disputed the account but did n't have any luck with it being removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am unable to pull my Transunion credit report or FICO score and have never been able to access it. When trying to create an account, I get a notice from Transunion saying that they are unable to confirm my identity. I have called three times only to be told that this issue is my bank 's fault and that it is due to how they are reporting my information. This is false because I have two credit cards from two different banks ( XXXX and XXXX  ) and two student loans from two different agencies. When I called them and asked, I was told they have no information for anyone with my name, social security, and address. 

I am able to pull my credit report from XXXX  and XXXX, indicating that my information is being reported correctly by my banking institutions. For some reason, my information got lost at Transunion and they are refusing to help me. I have tried opening an investigation through one of my banks, which came up inconclusive on their end.

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 2021-06-29
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am disputing an account that is 11 years old and was charged off by XXXX in XXXX 
I have repeatedly asked for the signature page of the agreement and they said they do not have it and they are within their rights not to have to produce it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: EQUIFAX, INC.
State: MI
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 have spent the past year trying to resolve an issue that has been proven to Equifax that XXXX XXXX has knowingly refused to provide payment history for 3 years of a loan in order to keep negative information on report for more than law allows. 
After several attempts asking Equifax to to provide correct payment history ( or remove from report ) Which should show originally when the payments started being late in XX/XX/XXXX ) requests denied telling me to contact XXXX XXXX Disputes were done online and through telephone. 
Payment history missing shown below. XX/XX/XXXX - XX/XX/XXXX Missing. Equifax will not remove negative information because they say my negative information started in XX/XX/XXXX. 
XXXX XXXX has since updated report stating charge off and also added I made a payment in XX/XX/XXXX which is FALSE Today I spoke with Equifax ( several agents and someone named XXXX XXXX who claimed to be a Supervisor at XXXX XX/XX/XXXX) and stated the issue again. I was told they would not remove the negative information even though there is no payment history provided to prove the negative payments started in XX/XX/XXXX. Was told to contact XXXX XXXX myself and tell them to provide that information. I have also tried several times through the years for them to change from repossession to what it actually was. A Voluntary Surrender. 

Account Name XXXX Account # XXXX Date Opened XX/XX/XXXX Payment Status Bad debt & placed for collection & skip Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Original Balance $ XXXX  Monthly Payment Past Due Amount Highest Balance Terms M 69M Responsibility Individual Account Your Statement SETTLEMENT ACCEPTED ON THIS ACCOUNTPAID CHARGE OFF Comments SETTLEMENT ACCEPTED ON THIS ACCOUNTPAID CHARGE OFF FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXXFP XX/XX/XXXX FP XX/XX/XXXXFP XX/XX/XXXXFP XX/XX/XXXXFP XX/XX/XXXX FP XX/XX/XXXXFP XX/XX/XXXX XX/XX/XXXXFP XX/XX/XXXXFP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXXFP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX FP No prior payment history shown on report from XX/XX/XXXX until XX/XX/XXXX to avoid  actual drop off date within 7 years. 
Nobody at that company will help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I went under contract to sell my home on XXXX-2017. Closing date, XXXX-2017. On XXXX-2017, the cclosing attornrey for the buyer sent my release of lender information form to Ditech to get the payoff for my mortgage. Ditech would not release the information to them. The closing attorney contacted my attorney. On XX/XX/XXXX, my attorney 's office was attempting to contact someone to get the payoff information for the next day. No response back. The next morning ( XX/XX/XXXX ) I was to sign my documents for the closing. My real estate agent and myself sat in the office while my attorney again attempted to get the payoff information. They said it would be 24 hrs. We contacted the closing attorney for the buyer and told them we were signed and the form would be there XX/XX/XXXX. They went ahead and signed everything except the final closing document which would be completed when the payoff came. LATE on XX/XX/XXXX the form came with the wrong name on it. We immediately contacted them to have it corrected. They said it would be Monday XX/XX/XXXX. It did not come. On XXXX-2017 my attorney called them and had to get a little nasty with them and they then told him it would be 10 days. This sale is needing to be completed and we ca n't get the payoff information.My attorney asked to talk to a supervisor and the legal dept and they would n't let him talk to either. Its been a week that we have n't been able to close. We need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am disputing an account that is 11 years old and was charged off by Sears in 2014. 
I have repeatedly asked for the signature page of the agreement and they said they do not have it and they are within their rights not to have to produce 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 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Account number XXXX Date opened - XX/XX/2020 Balance - {$8400.00} never open this account, this account is fraud.

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 2020-05-26
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I made several contacts with XXXX XXXX XXXX XXXX to remove the charges that were occurred in my name as a result of identity theft with no luck it was then sent to collections and now it is derogatory on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: DISCOVER BANK
State: MI
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 received another threading phone call this morning from Discover Bank aka Discover credit, Discover credit card, discover loan services, discover home loans! In XX/XX/XXXX I received confirmation on my claim for sXXXX XXXX XXXX. I sent a copy to Discover Credit, as card holders were Illegally ( XX/XX/XXXX NY federal court ) required to carry Payment protection plan/Death and XXXX insurance. I was told that I canceled my police in XX/XX/XXXX/XX/XX/XXXX! At that time I owe less then {$2000.00} on each of my two discover Credit Cards. I stop using both cards. BUT in violation to that NY Federal Court Order started charging my cards for then transferring money to their fake accounts and charging me. They kept locking me out of their web sit were I paid them requiring me to reset my password every other month on both accounts on two of their web sites ( they did not allow more then one account per site )!
Discover keeps changing their names after Federal courts rule against them ( PA Federal Court XX/XX/XXXX falsifying documents ). They are now using the name Discover Bank and have tied peoples charge cards thru their company Discover Home Loans to the card holders home!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
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: Information belongs to someone else

Complaint:
I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
On XX/XX/18 I checked my XXXX  credit report. Capital One reports on the XXXX of each month. On XX/XX/2018, Capital One reported my balance as {$1900.00} when it was actually {$1700.00}. The {$1700.00} was reported to the other bureaus. When I spoke to a representitive on XX/XX/18, she told me that they had to dispute it with XXXX. Under the Fair Credit Reporting Act they shorted me {$230.00} on my payment to XXXX. She told me it could take up to XXXX days for it report correctly. The representative kept asking the same questions over and over. She had to put me on hold several to see if the problem could even be fixed and what she had to do. I can't be the first person she's spoken to about an incorrect amount reported to a credit bureau.This is ridiculous. All Capital One has to do is electronically submit the right amount of {$1700.00} for the same date of XX/XX/2018. Companies do it all the time if they make a mistake. Why would a credit card company dispute what they reported incorrectly. I want it fixed immediately. I as a consumer have the right to have my correct balance reported each month. Now I'm going to have to call XXXX  every month to see what Capital One is reporting. I have been a customer of Capital One for over 11 years, and I am very disappointed in the way they are handling my complaint.I find it very unprofessional. Capital One is fully aware of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I haven't received any response within the allowed time provided by the FCRA to my dispute letters. The companies Experian & XXXX have not fulfilled their obligation to provide of the derogatory account ( s ) stated on my credit 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 2020-08-27
Company: BARCLAYS BANK DELAWARE
State: WI
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/2017. Barclays Bank Delaware added a derogatory mark on my credit report per Identityiq. Upon, further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or SIGNATURE for this accused debt at all. A bill without a signature does not validate the debt and anybody can send me a bill and say its mines. According to the FCRA Barclays Bank Delaware has violated my rights in multiple ways and I'm requesting legal action to remove this account Immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient place me in forbearance and wont allow any other options. I am still a XXXX student and have been in forbearance for a couple years. The interest is high and they wont work with me, and have said its my only option.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with CAINE & WEINER plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$280.00}

Company response to consumer: Closed with explanation