BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-12
Company: Comerica
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My book bag was stolen from my XXXX locker while I was on vacation. It included my phone case, which consisted of my Drivers license, some credit/debit cards and my social security number. Three of my cards were used. Someone tried to open additional credit lines. I have made a police report which I have submitted and I have a XXXX lock on my Social Security number. XXXX reported it to XXXX and XXXX. I have a copy of the letter they sent out. I have already disputed these transaction with Comerica Bank. I have received a partial refund. I asked to speak with a supervisor in the claims department and was bluntly told no. My only option left is a small claims suit, which I do not want to pursue, but I refuse to let someone take my money, especially clear my bank account and leave it in the negative. I know how Regulation E works and this is not how.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
IN XXXX XXXX I WENT INTO XXXX TO MAKE A PURCHASE AND TRIED USING MY XXXX CARD. TO MY SURPRISE IT DID NOT GET APPROVED. SO I CALLED THE AUTOMATED SERVICE TOLD ME THAT MY NEXT PAYMENT WAS NOT DUE TILL XXXX XXXX. I CALLED THEM AFTER AND AGAIN I VERIFIED THAT MY NEXT PAYMENT WAS DUE ON THE XXXX. THEY THEN IMFORMED ME THAT A CHECK THAT I HAD ALSO SENT TO THEM FOR AN ADDITIONAL PAYMENT ASIDE FROM MY MONTHLY DUE PAYMENT FROM MY EMPLOYER WAS RETURNED BY BANK AND THAT WAS THE REASON THEY CLOSED MY ACCOUNT. I ASKED THEM IF THAT WAS IN THEIR TERMS AND CONDITIONS AND THEY REFUSE TO ANSWER THAT QUESTIONS. I TOLD THEM THAT I WAS CURRENT ON MY PAYMENTS THEY REFUSE TO HEAR ME OUT I BELIEVE THEY HAVE A CONFLICT OF INTEREST TO ONLY BENEFIT THEM SELVES AND RUIN CONSUMERS CREDIT RATINGS. PLEASE HELP ME RESOLVE THIS ISSUE. I NEED MY CREDIT RATING NOT TO BE AFFECTED. THEY HAVE NO REASON TO CLOSE MY ACCOUNT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 1 student loan over 10 years old that was charged off and sold..The loan is now showing as 19 closed accounts on my credit report, with all three reporting agencies. I have disputed over and over. The negative marks are removed and just added, again. Ugghhh!!! What do I do? I'm good with credit, I work hard and my credit score is low 500 's. How do I move on and get these negative fraudulent marks permanently removed from my credit report??? This is illegal, the original company wrote it off as a tax write off and sold the account. I have no binding contract with them. I want this removed permanently from all three reporting credit agencies.

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 2021-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am hoping I can finally get a response because the last 6 months I have not received responses to my request for investigations from XXXX, XXXX, and Transunion. My attorney has advise me to escalate this matter due to violations of not responding to my requests for investigations.

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 2017-12-05
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Okay, here is the deal, the bank is XXXX XXXX. I complained to them about the treatment of me. If I am just a little late, they charge a late fee, but not just for the month I am late, for months after that. Then, because I complained, they lowered my credit they are extending me. I complained about the way they were singling me out. I have never NOT paid them, and then to get back at me ( because that is the only explanation for it, I can see ), they lowered my credit even more without telling me, just because they could. If I had the money to pay the whole thing off, I would, but I am one of the working poor. I do pay my bills. I do not deserve to be treated this way. I want them to back off, and I want my credit back.

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 2019-03-20
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Initially when the loan was taken out in XXXX, the loan was not set up for a period of over 2 months. When the bank was contacted it was the loan was not due and the was no monies owed. When the payment was sent in XXXX of XXXX, it started off in arrears as their were 2 payments due. 

Trying to work out the payments to get his paid up, in XXXX of XXXX, the bank stated the amount would be rolled into the end of the loan. This was not correct as interest was continually charged. 

Moving forward to XXXX of XXXX, a payment was made on the vehicle on XX/XX/XXXX and then the vehicle was repossessed for non-payment. The bank stated the payment had not been kept. The vehicle was then repossessed on XX/XX/XXXX. 


The vehicle was set to be auctioned for on XX/XX/XXXX, if the funds were not paid by this date. When calling to get the amount due the total amount was given in the amount of XXXX that was supposed to include all fees. When a bill was sent on XX/XX/XXXX there was a total of XXXX that was now due. The reasoning given was the monies were applied incorrectly and if applied correctly would put the car back in repossession status. I do not feel that the fees should have been assessed over a month later and in XXXX after being told on the XXXX of XXXX that the vehicle was current and no extra fees were due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Central States Recovery, Inc.
State: KS
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:
OnXX/XX/XXXX I pulled my credit report and noticed that Central States is reporting and trying to collect on several accounts which they state were opened on various dates, to-wit : XX/XX/XXXX for {$670.00} ; XX/XX/XXXX for {$500.00} ; XX/XX/XXXX, for {$480.00} ;XX/XX/XXXX, for {$610.00} ;XX/XX/XXXX for {$370.00} ; XX/XX/XXXX, for {$250.00} ; XX/XX/XXXXfor {$250.00} ; XX/XX/XXXX, for {$82.00} ;XX/XX/XXXX for {$82.00} ;XX/XX/XXXX, for {$87.00} XX/XX/XXXX for {$670.00} ; and,XX/XX/XXXX, for {$1300.00}.

Please note that I have never entered into a contract with Central States. In addition, pursuant to Kansas Statutes, more specifically, Statute Number : 60-512, the statute of limitations of 3 years has passed on collections of this type of account.

On XX/XX/XXXX, I wrote to Central States indicating that I disputed the alleged accounts and that the Statue of Limitation had run. They received my letters on XX/XX/XXXX, at XXXX XXXX. Today,XX/XX/XXXX, I pulled my credit report, and they are still reporting and trying to collect on the alleged accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage on our home was paid off in XX/XX/XXXX. We received a call on XXXX XXXX, XXXX informing us that our home would be put into a sheriff sale for unpaid escrow on the home. The call came in from XXXX XXXX stating he was from Option One Mortgage. The phone number is, XXXX. We were informed that we had to purchase money orders in the total of XXXX to take care of this past escrow. My husband, XXXX, went out and purchased the money orders, but I wanted to speak to this man, who informed XXXX to call him from the Post Office to get the address to send them to. When I spoke to XXXX, he stated that they had sent papers about this amount in XXXX to us. We did not receive said papers and were informed by him that he could no longer send them since the account was closed. We ended the call and contacted Ocwen, which was our mortgage company and were informed that there were no past escrow due and the deed was at our local deed office. XXXX has called us daily to demand this payment and that the attorney 's office that was handling this account was waiting for payment. He gave us the following name and personal address of where to send the money orders : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Experian Information Solutions Inc.
State: CO
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 1 student loan over 10 years old that was charged off and sold..The loan is now showing as 19 closed accounts on my credit report, with all three reporting agencies. I have disputed over and over. The negative marks are removed and just added, again. Ugghhh!!! What do I do? I'm good with credit, I work hard and my credit score is low 500 's. How do I move on and get these negative fraudulent marks permanently removed from my credit report??? This is illegal, the original company wrote it off as a tax write off and sold the account. I have no binding contract with them. I want this removed permanently from all three reporting credit agencies.

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 2018-03-25
Company: CITIBANK, N.A.
State: CA
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:
Hello, Thank you for taking the time to help resolve my issue. My most recent issue with my Citi accounts started when I was attempting to pay the merchant XXXX. The merchant payment was being held by Citi, after repeated calls and many hours spent Citi cleared my card for use. However, by now the merchants security measures had activated and I could no longer make the payment.

I then proceeded to log in to my online portal and activate virtual account numbers for my advantage gold. There was a technical issue that prevented me from completing the process without additional assistance. One more call to Citi technical support and another hour ; the kind representative helped me set up virtual account numbers on my gold card. After troubleshooting the outdated flash interface on the virtual account numbers page we opt for using the downloadable executable to my computer. Everything seems to be working well and we conclude the call.

Some hours later I launch the local desktop program in my computer, log in and generate a virtual number. Please keep in mind that throughout this ordeal I've been exclusively dealing and asking for help with my gold advantage card. Once the virtual number is generated I fill the details on the merchant site and execute the charge.

It went through! Success I think.

Fast forward to several more hours later, it occurs to me that I've only had issues with Citi in my short membership as a new customer ; I should probably check my account to make sure the charge posted ...

It did post but to the wrong credit card, [ sigh ] ... The charge was supposed to go to the gold card and not to my Platinum. I frantically launch the program in my computer again log in and check for an option to select a different credit card, but there is none. I think, " I specifically requested virtual account numbers on my gold card, there must be a mistake! '' Once more, I make a call to technical support and the representative tells me that there is nothing they can do. She mentions the outdated online flash portal has a selector for the credit card, something that is absent from the locally run computer program.

I feel like I'm just running around in circles now. I can't use the products I was offered and when I can use them properly they don't work adequately. This truly goes beyond what any bank could reasonably expect their customers to do to get something done. It makes me feel like it's intentionally difficult to cause confusion for customers.

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 2018-03-21
Company: Hiday & Ricke, P.A.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I originally owed a debt of {$5000.00} to XXXX XXXX XXXX XXXX., for the repossession of a vehicle. My wages started being garnished by Hiday & Ricke, PA. in 2011. I went to court and agreed to allow them to garnish {$100.00} per month, which is what I could afford at the time. I am a single mother of XXXX. Since I have contacted Hiday & Ricke, PA on several occasions via phone and e-mail requesting that due to my financial situation I need to decrease the amount being garnished. I was advised that they were unable to do that. I then requested for the garnishment to stop, again I was advised that they were unable to do that and my only option was to offer an amount to settle. The debt was originally {$5000.00} since being turned over to Hiday & Ricke , P.A . it was {$13000.00} as of 2011. Since that time the debt has only decreased by about {$2000.00} because interest continues to accrue. I want Hiday & Ricke, P.A., stop garnishment and attempt to work out a payment plan for less than I am currently paying doing to my current financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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 customer service

Complaint:
I contacted Capital One asking for a replacement for card XXXX and a month later : still no replacement card. So I " closed '' my account. Capital One STILL owes me a refund on this account as it was over paid. Next issue with another Capital One : acct XXXX is also OVERPAID and again : No refund of the overage by Capital One. Seems Capital One can assess a late fee payment when a bill 's 2 days late in being received in the mail - but IS allowed to hold onto overage funds and pay the consumer when the creditor ( Eventually XXXX feels like getting that fixed. Customer service is really horrible. You have to either submit your issue by mail to their office in XXXX XXXX XXXX OR wait forever on the phone for someone to help you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 XXXX credit card accounts that were notified last XXXX that I could no longer work due to the pandemic. Payments were suspended. When I started working they settled with me, in most cases, for less than the full amount. Now they are reporting me as no/late payments for XXXX, XXXX, XXXX, XXXX and XXXX. This has killed my XXXX XXXX. I have disputed them twice and they refuse to correct the info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: Experian Information Solutions Inc.
State: FL
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:
Ive been battling with identity theft for years and now theres 3 new collections on my report that I never Opened. 3 new collections have been added to my credit report that is fraud and have not been opened in my consent on my Experian credit file. XXXX XXXX XXXX XXXX XXXX Balance date : XX/XX/2018 with balance : {$40.00}. Another XXXX XXXX XXXX XXXX XXXX with balance of {$280.00}. XXXX XXXX XXXX open date XX/XX/2018 Balance : {$880.00}. These are ALL fraudulent accounts in my name. 

There are 7 fraudulent accounts in my name reported on my Equifax account. 
Names : XXXX - medical collection balance {$330.00} XXXX XXXX XXXX - Balance {$350.00} XXXX XXXX - Balance {$320.00} XXXX XXXX XXXX - Balance {$890.00} XXXX XXXX XXXX - Balance {$570.00} XXXX XXXX XXXX - Balance {$400.00} XXXX - Balance {$570.00} THESE ARE ALL FRAUDULENT ACCOUNTS MADE BY SOMEONE ELSE AND NOT ME. These need to be removed.

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 2021-05-01
Company: EQUIFAX, INC.
State: NC
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 reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on a number of times to have this account reviewed with no luck. I have been violated per the FRCA and also FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Experian Information Solutions Inc.
State: CA
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 am hoping I can finally get a response because the last 6 months I have not received responses to my request for investigations from Experian, XXXX  and XXXX My attorney has advise me to escalate this matter due to violations of not responding to my requests for investigations.

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 2021-02-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My brother XXXX XXXX, transferred 2 transactions each in the amount of {$330.00} from his XXXX  checking account via XXXX to my USAA checking act. He received two confirmations from XXXX  for both transactions. His balance did go down in the amount of {$660.00}. However, I only received one transaction in the amount of {$330.00}. The remaining {$330.00} did not go back into his XXXX  checking or my USAA checking. I provided USAA with the confirmation number XXXX provided to him # XXXX, USAA states that is not a valid confirmation number, USAA has provided me with a Case Number XXXX. I am requesting the assistance and support of CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Fraudulent practice without validation by XXXX XXXX XXXX XXXX hereafter referred as XXXX.

I spoke to a rep at XXXX 2+ months ago when we received an email in our junk folder, no mail, what kind of company does not send a collection letter via mail.

Regardless, I called XXXX and spoke to them about the issue. The issue here is that XXXX   decided to do collection for XXXX XXXX situated in XXXX for maintenance fees of the timeshare. I explained to them that when I called XXXX XXXX in XX/XX/XXXX, every employee I spoke to, they said that we no longer are the owners of the resort because it's under new management. They kept telling me that our ownership was with XXXX XXXX that went in bankruptcy and the takeover by new owners, XXXX XXXX, does not extend club ownership to XXXX members.

So what was baffling is that they insisted I should make maintenance payment because we have privilege to use the club without ownership. Well frankly, we'd like to sell our timeshare if we still have the ownership and this is what I was unable to achieve in XX/XX/2017 if we could confirm that we still owned it. Doing some online research, I came across forums and prior XXXX owners all had the same concern on loss of ownership.

I explained this to XXXX   rep and she promised me to get back with confirmation of ownership but didn't. A month ago, I was left a voice message saying XXXX is calling back but no details were left in the voice message. I called back immediately but ended up leaving a vm since their lines were coming busy.

Till date, XXXX has not provided a valid reason to place a debt collection on our credit report of my wife and mine. This seems to be very unfair practice by XXXX XXXX  to place a debt collection on our credit reports.

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