BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-05
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I used my Citi Double Cash card to purchase some HVAC work in my home. The charge was {$860.00}. This was a valid charge ; however, as time moved on, and I went to pay my account for the month, I did not recognize this charge. When I XXXX  the phone number on the charge and the company name that showed up, I could not find anything, so I thought that this charge was false and needed to be disputed. When I disputed the charge, Citi credited me the item on the account while they investigated. Two days after this, the company that completed the HVAC work called me to ask why the charge was being reversed. This was when I realized the charge was legitimate, and I had made a mistake. I told him to give me a week or so, and I would attempt to contact Citi to get the charge placed back through. After literally hours of attempting to get the right person on the phone at Citi, I finally got someone who told me that would be taken care of and the charge would go through. However, several days later, working with the HVAC company, they told me they still never got the {$860.00} from Citi and that I needed to pay again. Therefore, I used another credit card ( XXXX attached below ) to complete the transaction. This would all have been fine until I saw that Citi charged me {$860.00} two times on my statement on XX/XX/30 and only one credit ( see Citi Double Cash below ). I called Citi Friday, XX/XX/XXXX, in an attempt to rectify the situation. I was transferred between 3 representatives and on hold half that time, and once I got to the third, I was hung up on. At the very least, I should be allowed to dispute the {$860.00} charge that was not refunded. But, the Citi app and online access will not allow me to, it directs me to call Citi which I did. I can't afford to spend more time with Citi attempting to resolve this so I expect this to be rectified by Citi through the CFPB to avoid a small claims/legal route. 

This is the second time I'm submitting this complaint, this is a blatant violation of the card act. They are not allowing me to dispute a charge, how is this legal?

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 2020-07-21
Company: Penn Credit 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 requested proof of ownership of a debit by Penn Credit that reflects on my credit. This was back in XX/XX/2020 after requesting via phone. I did not received anything. I waited and then called again XX/XX/XXXX and spoke to someone who stated they will resend, he could not confirm if my original request was sent out. I went back and fourth explaining this on my credit is hurting my credit and need to just have this resolved. I then decided to pay the amount after being advised if I pay they will send to all 3 credit bureaus showing paid in full and request for it to be removed/deleted form my credit. I advised I only see it reporting on 2 credit bureaus, he stated that's fine as they will send info to all 3 and  ensured it will be removed and would stop hindering my credit, he stated once payment post, 10 to 14 days letter will be sent out to all 3 credit bureaus. It is past the time and I have called and was advised to log in with my zip code and ID # and print out proof of payment and that letters were sent. I have confirmed with all 3 credit bureaus, letter has not been received and they will not remove account until letter has been received from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I have called 5 times I have disputed the address that they reporting on my account is not correct I have verified my identity with Experian I have provided documents with my correct and current address from XX/XX/2023 as of today they still refuses to update my address I have provided current bills current lease agreement but still they want update my information

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 2020-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute an account fraudulently opened in my name.

I am a victim of identity theft and did not open this account.

I am a victim of the XXXX  data breach.

State issued ID have been compromised and my social security has been compromised.

My postal mail was being forwarded out of state where theft of my personal information took place.

I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

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 2018-12-21
Company: CL Holdings LLC
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was XXXX during this time frame and I would like this removed from my credit history also if I'm no5 mistaking the school shut down

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
Company: The Receivable Management Services LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the accounts that appear on my credit report do not belong to me, they were not authorized, please check.

1. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

2. Identity Theft RECMGMT SRVC Account Number : XXXX  This is not mine.

3. Identity Theft DPT ED/XXXX  Account Number : XXXX  This is not mine.

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX  This is not mine.

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 2017-12-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX I paid off our auto loan with Fifth Third Bank using the final coupon from the coupon book given at the time the loan was started. This vehicle was paid off 14 months ahead of payment schedule. The date of final payoff in the coupon book is XX/XX/XXXX. I waited for 2 months to receive the title. The first part of this month ( XX/XX/XXXX ), I called Fifth Third Bank. I did not get the name of the person I talked to. I was told that even though I paid the loan off 14 months early, I still owed {$96.00} plus {$.00} interest per day until that was paid. I asked why if I had a coupon book, and I made the final payment based on the payment schedule, why would I owe more. I was told the coupon was simply an estimate and at the time of a final payment I would be advised the additional amount owed. My complaint is twofold - ( 1 ) I was not advised at the time the loan was taken out there might be more owed than what showed on the coupon book & ( 2 ) if this is valid, why when the bank received my final payment would they not advise by letter or telephone call that there was more owed -- I had to make the call 2 months later which increased the final amount owed ( if this is a legal way of doing business )? We have had many auto loans and never have dealt with such a underhanded way of doing business. Any auto loan we have had, once the final designated payment was made, a clear title was sent out immediately. I finally received a letter from Fifth Third Bank which indicates the amount owed and that {$.00} interest would be added daily until they received the final payment. I want anyone who deals with Fifth Third Bank to know that you can not trust their business practices. And I would like to know if I have any right to recover the {$96.00} plus {$.00} day interest accrued on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: EQUIFAX, 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:
I believe that i was victim of Identity Theft, somebody used my personal information and applied for all this cards. I am not responsible for this accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Chase bank has charged me over five insufficient charges. At {$34.00}. My balance is over {$270.00} Negative. Its not necessary to keep charging ever little thing. One didnt know came thought by mistake its XXXX. I received a {$34.00} charge from chase. XXXX XXXX. Aka XXXX online service. 
Its too many. Fee

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Account opened with Capital One in XX/XX/2018. XXXX XXXX and XXXX  DO NOT show ANY account history of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Siwell Inc
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payment is XXXX, has been for over one year. I pay ( except for ONE payment ) XXXX each month and state " difference to principal, which would be {$1.00}. 
Capitol Mortgage Services ONLY applies XXXX cents and so far has REFUSED one phone call, two e-mails and their web site e-mail to credit the principal the difference or even tell me why. 
I pay it, I tell them where to apply and they refuse, won't even tell me a single thing or do a single thing to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
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: Account status incorrect

Complaint:
I paid off XXXX  and requested ( 2 times this far ) they remove the debt collection by XXXX XXXX from my credit report. 

Although XXXX XXXX assured me the collection would be removed ( in person at their store ) nothing has happened. Its been over a year and Ive not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I believe that i was victim of Identity Theft, somebody used my personal information and applied for all this cards. I am not responsible for this accounts.

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 2021-07-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been trying to get a loan mod, for years with sending in documents and saying we didn't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: TN
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 rights of privacy have been damaged and breached by this bureau which may be a direct violation of federal law. This bureau is additionally in infringement of federal law by detailing inaccurate accounts on their site without my authorization. This bureau is detailing incorrect data on their site and concurring to the federal law, it is the bureau 's GRAVE Duty to guarantee reasonableness, unbiasedness, and a regard for the consumer 's right to privacy. Their carelessness has caused me trouble and I'm seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX we started a mortgage re-finance with XXXX XXXX for a mortgage we had held since XX/XX/XXXX with BB & T. On XX/XX/XXXX we received a letter from BB & T telling us they had received a request for final payoff statement. On XX/XX/XXXX BB & T received subordination document for our HELOC loan, asking for their signature. Closing was expected on XX/XX/XXXX. 
BB & T did not sign the subordination document for 19 days - our closing was delayed to XX/XX/XXXX. Payoff was not received until XX/XX/XXXX. 
As a result of BB & T 's delay in signing the subordination document, we incurred a late charge on our XXXX mortgage payment AND we had to pay XXXX XXXX  {$780.00} to hold our interest rate for the new 15 year mortgage. ' We learned about this charge at the closing, even though we were told there would not be any charges that day. 
We have tried to work with both banks but all they do is point fingers at each other and will not take responsibility.

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 2017-05-24
Company: Experian Information Solutions Inc.
State: UT
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:
Sent Experian a notarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. Experian has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623.

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 2020-09-20
Company: EQUIFAX, 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:
Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX XXXX XXXX Reported : XXXX XXXX, 2020 + {$850.00} Closed XXXX   Reported : XXXX. XXXX, 2020 + {$0.00} Closed XXXXXXXX XXXX XXXX XXXX  Reported : XXXX XXXX, 2020 + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last reported XX/XX/2020 AND INQUIRIES As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: LTD Financial Services, L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity back around XXXX and I discovered it around XXXX. I filed a report with the XXXX police dept report number XXXX referring to the incedent please delete from my credit report according to act 605b

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I paid an invoice of {$1400.00} for my clothing business using my Navy Federal account PER XXXX XXXX Upon completing the invoice the seller never sent my merchandise and told me that they would issue a refund that never came through. I decided to dispute this charge through Navy Federal however they told me that since the transaction was paid through XXXX XXXX they were unable to look into it. As a Navy Federal customer I'm highly disappointed as the point of the bank is to help protect my money. I have provided Navy Federal receipts of my conversation with the merchant as well as receipts of payment to no avail. XXXX XXXX  has also denied my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Experian Information Solutions Inc.
State: FL
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 noticed some unfamiliar inquiries on my consumer report that I do not recognize.

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 2020-07-21
Company: Cedars Business Services, LLC
State: PA
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:
In XXXX I drove my Dad who is XXXX to an area near the square in XXXX XXXX. My Dad ancestors are from the area. He is XXXX and I sent a copy of the XXXX pass along with a note and the XXXX never responded and sent me to this debt collector. 

A year later I received a ticket for driving in a area without a authorized pass. 
From there I heard nothing unit Ceder Business Services harassed me about a {$480.00} debt by phone repeatably. The fee was {$180.00} that I originally received and responded to a year earlier. 

Today I receive a letter form the debt collector that states " We inform you that if you do not react to our request for payment, legal proceedings for coercive debt collection will take place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation