BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-08
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I do not understand what they mean that it will be deleted in XX/XX/XXXX but no specific deletion date. A little more explanation would be appreciated. Also, why is it every month that it is being added that I was just delinquent with the account. Like for XXXX it keeps alerting me that I have been recently delinquent and when I click the alert it shows XXXX XXXX. I still believe XXXX XXXX is not following the laws for reporting and FDCPA. I have never see anything truly validation and or verifying this account. I have asked for those documents to prove that it is validated and verified but nothing XXXX XXXX keeps ignoring my letters. Just like that one woman said on the phone if I keep sending letters she will ignore them. I thought that was against the law. 

I have tried multiple times to get this account fixed and resolved but when XXXX XXXX states one thing and does another it pushes me to keep reporting the illegal actions they have done. Threatened me when they first contacted me in later part of XX/XX/XXXX, by saying that if I do not pay this now I will have a hard time for 7 years to get any credit or jobs. I asked them to at least verify the account. I sent in letters trying to see if the company can validate and verify this account is mine. I never got a response back but only more and more phone calls trying to get me to pay this bill. But avoiding to fulfill my requests which is my right by the FDCPA.

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 2022-11-21
Company: EQUIFAX, INC.
State: OH
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: CITIBANK, N.A.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX, I erroneously sent a payment of {$3700.00} to an XXXX XXXX credit card account that had no payment balance through a bill pay service provided by my credit union ( XXXX ). After realizing what had happened XX/XX/XXXX, I contacted my credit union and XXXX XXXX. My credit union assured me that they would reverse the payment. I called XXXX the same day that I contacted the credit union and they told me that they had no access to that account because it was a XXXX XXXX and they no longer had access to that account so I needed to contact Citi Visa because they were XXXX 's credit card service. I then called Citibank and they told me that they had no access to that account and to contact XXXX. I called XXXX back and they again told me that they had no access to this account and to call Citibank. I called Citibank again and they told me that they had no access to this account and to call XXXX. Then I called my credit union back and told them that neither company can help me, so the credit union told me they would dispute the transaction and that it could take up to 30 days. 
For the next XXXX weeks I would contact my credit union for updates. It took several days for them to respond. Then on XX/XX/XXXX, my credit union informed me that XXXX would not speak further with bill pay until I authorized it, so bill pay was going to setup a conference call with myself and XXXX. XXXX pay called and we began the conference call at which time XXXX said they had no access to this account and gave us Citibank 's phone number. XXXX did not ask me for any authorization information. The call ended with nothing resolved. After ending the conference call, I called XXXX automated voice system, gave my account number, and it told me that on XX/XX/XXXX a payment of {$3700.00} was posted to the account that XXXX costumer service claims they have to access to. I then called XXXX again and recorded the automated system telling me that I had this credit in the account that they claim they have no access. The next day, bill pay called me again to say that they want to setup another conference call with XXXX. During the second conference call, XXXX asked for verification of my identity, and my email address. XXXX then ended the conference call, at which time the bill pay representative told me that they will send me the information needed by XXXX to refund my money. 
Today is XX/XX/XXXX and XXXX has yet to contact me. Please 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
Consumer complaint received 2017-07-28
Company: EQUIFAX, INC.
State: AL
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:
I have an unauthorized inquiry from XXXX XXXX which occurred on XXXX XXXX,2017. This inquiry appears on all three credit bureaus. I did not authorize anyone to access my credit report on this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
u always apply and they always denied me i never apply o had a capital one credit card o even a credit card that i have to give down payment a secured card and thats not fair

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on TD BANK USA/TARGETCRED and currently reporting as late. I have read enough to understand my rights. The late history should not be showing late because I think I paid on time. The Bureaus are attempting to violate this clear understanding, MUST REMOVE THIS ACCOUNT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Deutsche Bank
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:
I had a Deutsche Bank Credit Card No. XXXX way back in XXXX in XXXX, the limit was Rs.XXXX ( XXXX XXXX Rupee  ), I went back to XXXX after 9 years and came to know that Deutsche Bank converted into XXXX XXXX  in XXXX and now XXXX XXXX has made my total credit card bill Rs.XXXX. All the transactions are fraudulent and I also spoke with XXXX XXXX regarding this, he is just making excuses, I also offered him to file a police report, he said no to it. 

I want XXXX XXXX to waive all my Balance and also clear my credit report known as XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Duvera Billing Services, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased a living room set ( XXXX ) approximately mid XX/XX/XXXX. I made a down payment of {$460.00} on XX/XX/XXXX. Financing the remaining {$1500.00} with " XXXX XXXX XXXX '' ( XXXX XXXX XX/XX/XXXX ). The furniture was delivered on XX/XX/XXXX.The agreement was {$180.00} per month for 3 months only to pay a {$40.00} fee if loan ( {$1500.00} ) is paid off in it 's entirety. I made 2 payments ( {$180.00} each ) XX/XX/XXXX & XX/XX/XXXX. I realized I was unable to pay the remaining balance of {$1100.00} in it 's entirety within the 90 days. I go back to my contract to review terms and conditions to realize I 'm going to Incur an exuberant interest rate of 130 % on the remaining balance. I did contact the lending company to verify this rate being accurate as the representative confirmed it was and that it was ok for them to charge me this ridiculous interest rate. XXXX XXXX XXXX where I purchased the set from actually filled out information online ( sight unseen ) on my behalf only asking me to confirm certain basic information such as name address bank account info excreta. I would have never guessed I was being set up for usury, because I would have never signed up for a 130 % interest agreement. This was never brought to my attention quite naturally because they would n't have gotten the sale. I communicated with the owner of XXXX XXXX and he completely denied any responsibility for the situation. Thank you in advance for your considerate attention in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, Greetings my name is XXXX XXXX and my husband and I bought our XXXX home about XXXX years ago. We have been having problems with flagstar because we have been having a escrow shortage every year and the payments have been the same for the time us being here. I protest my taxes every year and show a homestead exemption that will give me a discount on my taxes every year! Numbers are still incorrect on my escrow analysis and I also had tax collectors call me that they have not been paid yet when flagstar Bank claim they have paid out and they also do work with a third party to send form of payment it is my 2 years im going through this! Please help me correct my numbers on my mortgage account they do not seem to want to corporate and I do not want to loose my home I am up to date have not missed a payment! There is some weird activity that I don't understand and need a professional to help me. I am trying to work with a broker to refinance but I need my escrow analysis to be correct especially if I have not had my homestead applied to our account. I think they are over charging me and the numbers are getting worse and worse... 
Thankyou 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 explanation
Consumer complaint received 2017-09-20
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I 've had an old navy credit card for quite some time now. I 've never had a late or missed payment. I paid the credit card balance off which was {$140.00} and they closed my account. I feel as if this looks bad on my credit report. I 've been a very loyal customer.

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 2017-09-20
Company: EQUIFAX, INC.
State: VA
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:
My personal information may have been compromised in the Equifax security breach earlier this month. In today 's world it is basically impossible to make major purchases without developing some sort of credit history. Essentially consumers are forced into using credit cards, and therefore divulging personal information to 3rd party companies such as Equifax. There should be certain safeguards/security in place to protect this data. This was not done for millions of people and that is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: EQUIFAX, INC.
State: VA
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:
I purchased a new car in early XXXX of 2017 from XXXX XXXX in XXXX XXXX, Va and have XXXX hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my Equifax report. I also have XXXX hard inquiries on my XXXX report from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
1- On XXXX XXXX I sent a payment from my checking account to pay my XXXX bill for {$1000.00}. 
2- I made the mistake of sending this payment to the wrong account. XXXX Use to have AMERICAN EXPRESS few years back but now they use XXXXXXXX XXXX. 
3- I made the mistake of using this old AMERICAN EXPRESS account to sent the {$1000.00} payment. That account number is XXXX XXXX XXXX and conformation # XXXX This number is the confirmation number from my checking account on XXXX XXXX  XXXX XXXX-I called AMERICAN EXPRESS and their short answer is that because they dont handle XXXX accounts anymore that I should call XXXX XXXX to deal with this issue. At one point in my first called they said that they received the money but was in process, then few day later they said that since is a XXXX account they cant access the account and therefore cant do nothing about. 
5- When I call XXXX XXXX they cant find anything since the account number that I give them a reference is an AMERICAN EXPRESS account number and of course they cant find anything and told me that AMERICAN EXPRESS should refund that money. 
6- My bank XXXX  XXXX XXXX generated an e-check to pay the mistake that I made and AMERICAN EXPRESS XXXX according to my my bank, cashed that check. 
7- I did a complaint to my bank and they got the same answer as I did. 
8- Last week on XX/XX/XXXX I went to my back in person y talk to an account manager, they called AMERICAN EXPRESS and he was told that the money was sent to XXXX XXXX XXXX but its been a week and the {$1000.00} had not been posted to my account. 
9- I XXXX  XXXX XXXX AND STILL HAVE TWO ACCOUNTS WITH AMERICAN EXPRESS. 
10- Please if you need more information feel free to contact me XXXX XXXX XXXX XXXX XXXX at my email XXXX PLEASE HELP ME

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-17
Company: GOLDMAN SACHS BANK USA
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: Reporting company used your report improperly

Complaint:
CONSPICUOUS NOTICE As a Federally Protected Consumer, I demand to invoke my right to opt out in relation to disclosing my nonpublic personally identifiable financial information to nonaffiliated third parties. According to 12 CFR 1016.10, an opt out is given by direction of the consumer. I am requesting for GOLDMAN SACHS BANK to immediately stop sharing my personally identifiable financial information with all credit reporting agencies and all other third parties. The personally identifiable financial information includes : information a consumer provides to you on an application to obtain a loan, a credit card, a credit union membership, or other financial product or service, account balance information, payment history, overdraft history, and credit or debit card purchase information, any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account as defined under 12 CFR 1016.3 ( q ) ( 1 ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I went into Mega Value Furniture on XXXX/XXXX/XXXX to purchase furniture in the amount of {$4700.00} A handwritten order was completed that stated my terms were going to be 18 months interest free, however they presented me with a credit authorization slip to Citibank ( who I opened an account with in the store ) for 30.49 %. I started to sign the slip only completing the 1st two letters of my name XXXX and refused to execute the transaction due to the contradiction and wanted something more official than a handwritten contract that confirm my interest free terms. Against my better judgment I accepted the word of the sales representative and left the store waiting on something in writing from Citibank ; however when I received the letter from Citibank it stated my promotional terms were UNDER REVIEW and a DECISION whether they would honor them would be made within two billing cycles. 

I then went back to store after receiving this letter XXXX and demanded they cancel my order and REFUND ME in FULL. I followed this request with an email in writing because instead of them trying to honor my request they were busy trying to FORCE me to accept a verbal guarantee the terms would eventually be honored. 

To protect myself I disputed the {$700.00} with XXXX which they have refunded to me and the {$4000.00} with Citibank. Citibank has completed there research and sided with Mega Furniture although I DID NOT sign the credit authorization slip. 

Citibank finally agreed to the terms on XXXX/XXXX/XXXX but because of the unclear terms I had purchased my furniture with another store who I deemed far more trustworthy. I told them if they has simply given the information in writing from the onset this could have been avoided. They refused on three occasions to provide clear and concise terms, at purchase, when I returned to the store and after I disputed the transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a hard credit inquiry on my Equifax credit report from XXXX XXXX XXXX from XXXX credit. I have never applied for credit with XXXX I contacted them and they did not have an answer for me as to why the inquiry is there. XXXX does not have this inquiry on my report only Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Experian Information Solutions Inc.
State: KS
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:
I have no knowledge of this account ... 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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I called Transunion back in XXXX of 2021 and spoke to a rep about unauthorized hard inquiries and they asked me to submit an identity theft report which I did. The Transunion rep also told me attach the identity theft report to a dispute letter, a copy of my ID, a copy of my Social Security Card, a copy of a Current Utility Bill, and to mail these items to their facility at XXXX XXXX XXXX, XXXX, PA XXXX. I did this in XX/XX/XXXX, and XX/XX/XXXX. Transunion has disregarded my disputes, I have not received anything about my disputes in the mail. The other credit reporting agencies removed these fraudulent items because they were fraudulent. EVERYTHING WAS SENT VIA CERTIFIED MAIL.

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 2021-09-14
Company: AMERICAN HONDA FINANCE CORP
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased a XXXX XXXX XXXX  on XX/XX/XXXX from XXXX XXXX in XXXX, Va. I traded the XXXX XXXX  to XXXX XXXX in XXXX, PA for a XXXX XXXX XXXX XXXX pickup truck on XX/XX/XXXX with the agreement to payoff my XXXX XXXX loan as part of the deal. While seated in XXXX dealership they did call XXXX XXXX on XX/XX/XXXX and received a 20 day payoff amount of {$28000.00}. XXXX mailed a check to XXXX XXXX on XX/XX/XXXX to meet the 20 day payoff, and the check was processed on XX/XX/XXXX for the amount of {$280.00} not the amount of the actual check sent. 

I have called XXXX XXXX on numerous times to resolved the discrepancy and I am stonewalled and sent to the collections department. 

I went back to XXXX XXXX and talked to the manager in the accounting department XXXX at ( XXXX ) XXXX and he was told on XX/XX/XXXX the issue is being reviewed and given a case # XXXX. At this point my account # XXXX is in collections department. 

I am reaching out to your office to help resolved this issue and send the title to XXXX XXXX to complete the deal, and show my account paid-off. 

Kind regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation