BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
This is most certainly a repeat of the last many complaints. This concerning complaint number XXXX. Yes TransUnion has responded. No, TransUnion has never addressed my complaint. TransUnion has stated many times I need to take my complaint to XXXX. I have stated many times that is who I went to first. I have also gone back to XXXX XXXX  several times. XXXX XXXX   has sent me documents backing up their position they never submitted a form stating I was late. 

TransUnion has been asked many times to produce the document they claim to have from XXXX XXXX  stating I was late. TransUnion has yet to produce it. 

They have suggested I call TransUnion. I have, probably over 1-1/2 dozen times. They have always told me they cant find the document I requested. When I ask why TransUnion published I was late, they say  they got a document from XXXX XXXX. When I ask for a copy, they say they never got. So then I ask why they published I was late, they say they got a document from XXXX XXXX. I ask for a copy and they say they never got it. You get the picture. 

Again I will state the obvious, just because they responded, doesnt mean they actually addressed the problem. They never addressed my question.

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 2019-03-12
Company: CITIBANK, N.A.
State: NJ
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:
Have tried to contact CITIBANK credit card company numerous times back in late XX/XX/XXXX. Left several voicemails for them to call me back but to no avail. The resolution to the disputed amount of {$100.00} charged by XXXX on XX/XX/XXXX was a decline to apply a credit back to my account. This charge is one of the few others that were being charged by the same merchant and was disputed successfully except for this one. 
Again, CITIBANK and/or XXXX failed to provide proof of authorization of this charge of {$100.00} nor to show what was the charge for. Terms & Agreements of Use of Citibank credit card supplied by customer service DO NOT in any where states that a mere present of a credit card would mean an authorization of purchase. Furthermore, base on Visa Credit Card company, credit card with a chip built-in & " chip scan ready " terminal at the merchant could waive a signature, ONLY APPLICABLE IN THE USA. 
CITIBank is not protecting the interest of its members and appears to be negligence in their investigation of possible misuse/fraud of my credit card info.by the merchant. How could charges kept appearing one after another on my statement AFTER full payment for the rental car was made. No proofs/documents of such can be produced by merchant nor CITIBANK.

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 2020-05-21
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The vehicle loan was a subprime loan with Santander Consumer USA. They sent the account to collections with a company called XXXX XXXX XXXX. I have not had this vehicle in my possession for over 7 year 's. They repossessed the car back in 2013. I have asked them to remove this account off my credit report on several occasions. They didn't do the proper procedures. They sold the vehicle and still stated I owed more than the vehicle was worth. They originally sold the vehicle to me for {$17000.00}. I paid on this vehicle for 6 years and they still said I owed {$10000.00}. They claimed they sold the vehicle for {$1500.00}. I never received ANY legal documents proving that's what they really sold it for. They currently have it on my credit reports as a balance of {$7300.00}. None of these numbers add up. And I keep getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Lockhart, Morris & Montgomery Inc.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote Lockhart, Morris & Montgomery on XX/XX/2020 in which I posed a series of questions in which they did not fully answer. They simply sent me a copy of the contract from the original creditor without answering the questions in my attachments. I then proceeded to write them a second letter in reply to their first response letting them know that they were not in compliance with my request and attached evidence with my letter in which I have attached here as well. 
They had 30 days to legally reply in a timely manner to my request, and I gave them 45 days which was more than sufficient time for them to get back to me with the answers to my questions I posed again on my letter dated XX/XX/XXXX. I have also attached proof of the receipts that were both signed stating my letters were received and ample time was given to investigate. 
They neither replied to my letter this time, nor deleted the account from my credit. According to the FDCPA and FCRA, they are in clear violation at this point and I have given them more than one opportunity to correct this matter. I mailed them a third letter dated XX/XX/XXXX advising them of their violation and advised them to provide the evidence I requested in my previous two letters, or to DELETE this account from my credit reports. 
Since they have not complied according to my legal rights with the FDCPA and FCRA, then I thought this time to file a complaint with you along with the mailing of my final letter before I move forward with legal proceedings with this company. 
I am hoping that they will rectify this situation immediately or we will be seeing each other in court in my state according to my last letter mailed out. This is my FINAL attempt to settle this matter amicably.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: EQUIFAX, INC.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2017, I was at XXXX XXXX and they offered me a good deal on a credit card and had told me I'd be approved, if I applied for their credit card, so I did because they had informed me to do it because its smart. But to my surprise, it was declined. Therefore, it's a complete mistake as I would not have applied for it if they hadn't pressured me into it. I knew for my first credit card that I needed a secured one so i continued to get one after there misguided information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
mY NAME IS XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX My DOB is XXXX my SS # XXXX. I am having issues with inaccurate information on my credit file. The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current EMPLOYER/ JOB : XXXX XXXX ar XXXX XXXX XXXX XXXX following numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It has been brought out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AR XXXX, XXXXXXXX XXXX XXXX Balance : {$32.00}, XXXXXXXX XXXX XXXX Balance : {$21.00}, XXXXXXXX XXXX XXXX Balance : {$69.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: World Acceptance Corporation
State: MO
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:
Due to lack of response from these companies, I am filing this complaint to WORLD FINANCE CORPORATION, and XXXX. They have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
I received an email letter that Capital One has closed my account on XX/XX/2020 due to inactivity. I log in to this website one a month and ensure the balance, rewards, and account status is active. I called Capital One and spoke with XXXX who stated he could not open account. I am aware that a card issuer has no duty to warn of an account closer however I believe under the current circumstances which our nation is facing, the action by the issuer is calculated to lower the credit scores of Americans including myself, as well as take away a life line during this time of crisis for unexpected bills, such as ones I am incurring due to two recent XXXX  and was consider leaning on rather than liquidating other assets such as stock holdings. 
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By forcing this decision on the consumer, the average American such as myself are being forced to decide between long term financial health, comprising savings and investments because companies like Capital One are selectively utilizing their power over persons to increase reduce creditworthiness and increase interest rates thus profiting unfairly. 
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By taking away open credit at this time for someone who is in good standing but not utilizing their available credit, the company is complicit in a scheme perpetrated by many banks to manipulate the credit market, lowering consumer credit scores and thus using this tactic to increase card rates when consumers go to re-establish credit lines. I can only assume Capital One has more instances of this sort of behavior. They also advise accounts can not be reopened however it is well documented this is in fact not the case. 
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In short - Capital One sees that I have a good credit score, that I pay my bills on time, and that by closing my account ( one of my oldest accounts ) it will negatively effect that score ( due to age and revolving utilization ). This is a calculated move made by ALL in the banking industry under the guise of removing " inactivity '' from their rolls, but what is really does is punish those like me for responsible credit usage. This is something they collude with other banks to do ( the industry as a whole has a tacit understanding of how this works ) to increase their bottom line. I am a victim of this and the CFPB no doubt can look at their complaints and see Capital One engages in this pattern of corrupt activity. 
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As recently as XX/XX/2020 news media reports have eluded to this tactic which I am now victim to - see article from XXXX https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made payments last month and the lady said they didn't come through on time because it was after XXXX XXXX, cool. I take that, I then make an early payment in which she stated that it was too early to count towards the next months bill so I ws once again charged a late fee the following month because she said the payment didn't go towards this month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-12
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have an account with the money transfer service Transferwise. 

On XX/XX/2019, I received an e-mail about a money transfer being sent to a recipient in the XXXX, which I did not recognize nor authorize, in the amount of XXXX US Dollars. 

I contacted Transferwise and they informed me the money had already been sent and wasn't recoverable.

I strongly believe my Transferwise account was hacked into and this person used saved payment data to make a transfer to themselves ( or a fake alias ).

Once I logged onto my bank accounts and cards and noticed no money was taken out of my accounts, I immediately contacted Transferwise again to inquire how could the transfer be completed and the money sent, and no transaction be showing in either of my bank accounts. They informed me, then, that the payment method used was a Debit Card from XXXX XXXX XXXX. I do not have nor did ever have business with that bank institution. 

After realizing the money that funded my transaction had not come from my personal accounts, Transferwise said the matter was resolved. 

However, I called XXXX XXXX XXXX to inquire if any accounts had been opened using my personal data and they were unable to find any accounts under my name ( and all possible variations ), nor my Social Security Number. 

My best guess is some fraudster ( details below obtained from the Transferwise Transaction receipt ) used my account and someone else 's payment info to make this XXXX US Dollars transfer. 

I did inform XXXX XXXX of that, and did forward a copy of the transaction receipt to their representative XXXX XXXX, who was very helpful in trying to find if any accounts had been opened under my name or SSN. 

This is all the information I was able to retrieve from the recipient to which the money transfer was sent. I managed to obtain the following details in the Transfer Receipt : Recipient Details Recipient : XXXX XXXX Order Number : XXXX Address : XXXX XXXX XXXX., XXXX, XXXX, XXXX XXXX Phone : XXXX XXXX XXXX Bank Account Details Sort Code : XXXX IBAN : XXXX IBAN BIC : XXXX Account Number : XXXX I have also submitted a report with the National Fraud & Cyber Crime Reporting Center in the XXXX XXXX, home of the Recipient of the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: FIFTH THIRD FINANCIAL CORPORATION
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Fifth Third Bank is calling our number sometimes 3 times per day for someone who does not live here. They've been told the person doesn't live here and to stop calling, but they relentlessly call using various robo-dialers and sometimes fake numbers because now we've blocked them. This is the phone of an XXXX year old woman, not the XXXX year old they are looking for. They're harassing an elderly woman.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In XXXX I went on the bank site and saw an overdraft of XXXX I was told by the bank that i cashed a check. However I asked it had my signature on it .. they told me no. They said they sent me that amount of money to my account but I personally never received it however in XXXX around the XXXX I had lost my purse with my phone and cards and i had reported it them .. Im only XXXX I didnt know I had to reported it the police as well .. when I bought a new phone I logged in and saw the transaction that was made however I reported it the bank and they told me that there was nothing they could do! I dont work Im on my own and I cant Pay back for something I dont know about

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 2021-05-21
Company: EQUIFAX, INC.
State: CA
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:
I have recently identified incorrect information on my Equifax consumer credit report. There are several inquiries which I have indicated were not authorized by me and have been identified as fraudulent or the result of an attempt of identity theft. I have added initial fraud alerts to my consumer reports. I have notified Equifax of the fraudulent inquiries and every attempt to dispute them results in the same response that " Inquiries are a factual record of file access and will remain on the credit report for two years ''. However, the information being reported is inaccurate as it was possibly the result of identity theft or fraud. As indicated previously, I was a victim of the Equifax Data Breech and believe my information was compromised. As it stands, Equifax is refusing to properly investigate my claims and resolve my dispute. I recently filed a dispute through the CFPB website ( CFPB # XXXX ) indicating the inquiries and their response was that the verbiage, format and associated documents in my complaint are similar to other complaints received by credit repair agencies. Because the complaint did not appear to be a direct communication from a consumer, they were not going to give my complaint any further consideration. This is unacceptable as a response to a legitimate complaint. I am very capable of researching the Fair Credit Reporting Act and citing the applicable regulations when launching a complaint - and I do not work for nor have I retained a credit repair agency. If Equifax refuses to properly conduct an investigation into my concerns, I will have no other option than to pursue litigation. At this time, I am making a final request to Equifax to investigate and remove the incorrect/fraudulent inquiries from my credit report within 30 days or I will seek legal action. The inquiries which were made without a permissible purpose and the result of identity theft are as follows and should be removed. XXXXXXXX XXXX  XX/XX/XXXX After researching and confirming with the bank, the following inquiries are currently reflecting as hard inquiries and should be reflecting as soft inquiries. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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/2018 I sent information into the 3 major credit bureaus letting them know that I was a victim of identity theft, I was expecting results according to the FCRA sec 605b concerning victims of the aforementioned, yet to no avail.

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 2020-05-21
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I first made a request to SunTrust for my mortgage Coved-19 relieve 1 day after it was ordered by the President, HUD, and bank regulators on or near XX/XX/XXXX. I learned that the bank sent an offer to me on XX/XX/XXXX that I did not get until XX/XX/2020. 

I signed it promptly and the bank accepted the Covid-19 forbearance for 6 months with an option for another 6 months at my option.

The lawyers for SunTrust deliberately held the Covid-19 request for 3 weeks in order to allow the court to order a foreclosure even though it was illegal by CFPB, HUD, Presidential Order.

I asked SunTrust lawyers to abide by the Covid-19 relief and they falsely told the Court that it was only for 3 months when it was for at least 6 months and I told the bank I would need it for a year. 

The lawyers are defiant to HUD, the Presidents Order, CFPB, and its own Agreement by not directing its lawyers to abide by these items. 

The collection actions of the bank through its lawyers is circumventing our agreement, causing stress, violating the law, and falsely misleading me to believe the forebeance and modificaion will rigtlu be worked out withotu court intvention.

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