BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased shoes over the internet from XXXX, which were too small, and which I paid by a using a Citibank credit card. The merchant 's policy is that a customer must advise them through their website of the return, they will email the necessary return label so they can track the return, and will then credit the account when they receive the return. XXXX would not process the return, so I disputed the charge. Citibank 's preliminary investigation went against me because XXXX told them I had not attempted to return the shoes while not telling Citibank that I was unable to get it to process the return. I then sent a more detailed letter to Citibank, per its request. On XX/XX/21, Citibank simultaneously emailed me that the dispute was still open and issued a letter saying that the dispute was closed. This is problem one. Problem two is that the reason given by Citibank was not I had not provided a credit slip when the basis of my complaint against XXXX was that they would not process my return and give me the credit slip. Citibank obviously did not investigate m dispute and found against me pro forma. Sending me a contradictory letter and email on the same day about the status of my dispute is unacceptable.

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 2021-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I work in healthcare and I work XXXX hour shifts I got off of work at XXXX that evening I got home and proceeded to pay my credit card bills so I went to make my payment and I was getting the prompt that my bill will be overdue because its going to be now processed on the XXXX. Although I am paying it at XXXX XXXX  central time. I proceed to process my payments and then I called in to the company and I talked to a representative. The representative tells me that they dont show any fees but that does not mean that they wont show up tomorrow and to call back tomorrow to get them removed. The representative told me she put a note on my account. ( called back tonight and they say they dont see a note ) I called back this evening after I got off another XXXX hour shift and I am told that my fees can not be waived because they did one prior in XXXX. I proceed to let them know that is not right that I processed a payment on the XXXX which was my due date and because of their rules that it being made after XXXX PM Eastern time which means a XXXX XXXX XXXX for anybody that makes payments after those times are going to be assessed late fees which I feel is wrong in so many ways. They see that I processed my payment on the XXXX so why they would do this to customers and not make it right is beyond me. I have other credit cards that dont have times in place to where a customer will be penalized. I have XXXX credit card accounts and they both are due the same day for capital one. So I have XXXX late fee amount that have been put on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Shermeta Law Group, PLLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2018 i recived a summons to court for a credit card by shermeta law group for a credit card debt in the amount of {$2100.00} for a credit card debt i know nothing about i feel if i owe thus debt id like to know what its for and how it got to the amount they are sueing for it says the plantiff is XXXX XXXXXXXX XXXX i have hired a attorney to file an answer so they don't get a default judgment i would like to see a contract that i signed they did attach a generic copy of terms and conditions that i could print off my self from XXXX XXXX website. and i would like to see transactions that were made from the start of the debt to the end to validate this debt belongs to me and the amount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: Better Mortgage, Inc.
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Several weeks ago I requested to shop for rates to refinance our house with Better.com. In this process I did not feel I had applied for any loan product but indicated that I was just shopping. I received the rates, which I felt were not competitive and decided to no move forward. Since then I have received several email and text messages pressuring me into moving forward. I have responded to them all telling them I am not interested. The email subject is " A warning about your loan application. '' I do not believe I have applied for a loan. If I did, I have not signed a Good Faith Estimate or been presented with an intend to proceed. Saying a warning about your loan application is very misleading to consumers. I have responded to their email through the provided link, but they will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-15
Company: Carvana Group, LLC
State: WI
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:
Carvana enacted with XXXX XXXX XXXX systematic XXXX upon my account to discredit and discriminate by using a administrative policy to impede constitution protectioXXXX of civil rights under FCRA ( Fair Credit Reporting Act ) and ECOA ( Equal Credit Opportunity Act ) Acts. 

It's also believed that Carvana and XXXX under their internal system listed my account in a past due since XX/XX/2018 or collection status to impede Constitutional protection by listing my account internally as past due since the beginning of my contract with them. 

These action of systematic XXXX by Carvana and XXXX where to hinder their minorities customers form refinancing and hinder and create a negative environment around my name and accounts, also its further believed, that Carvana and XXXX maybe involved with XXXX XXXX XXXX XXXXXXXX  and hire people to steal Minorities vehicle after completion of payoff of loan/contact with them, so after you have paid off your loan with Carvana/XXXX  you have to buy a XXXX to protect your property due to their extensive connection with collections and attorneys. ( see attached ). 

XXXX and Bridgecrest also refuse to honor their payoff letter at end of loans and seek to report on your credit report defaults in order to create crime in the street because honest citizen that pay off their loan on time are subject to harassment and need to purchase a guns to protect their property against Carvana and XXXX because of their systematic XXXX to hinder minorities at payoff and end of contract term. 

XXXX Breached their payoff agreement and FCRA and ECOA by their internal policy and discrimination to impeded Constitutional protection. ( attached ). 

Carvana practice 'Systemic XXXX XXXX. 'Unconscious bias '. as recognise more insidious forms of racism that counter a very real impact on the employment chances, pay, health and finance of ethnic minorities because I made all my payment timely, as they seeked to perform acts to remove any all account related to my name to systematically discriminate me from financing another vehicle with them because of ny XXXX. Carvana would note ny accounts as past due or defaulted to place minorities in a higher interest and down payment for profit gains, in order words they use minorities to hustle through high interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: LDF Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company contacted me and said they were hired to settle a debt. That I would provide my debit card information and they would provide me the paperwork stating the terms of the agreement on said debt. I have never received any paperwork from them ever. I had to provide my banking information to them and they said they don't keep it on file, that they would make a one time debit, which they did for {$140.00}. Two weeks later they made another debit from my bank account for another {$140.00} after they specifically told me that they don't keep checking account information. When I spoke with them today, they said they need my debit card information or they are going to file my paperwork. They call me constantly at work after I have told them to call my cell phone. Because they debited my bank account twice without my permission the second time my student loan payment bounced. These people are very aggressive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Attempted to remove / lift freeze from my Experian consumer profile. There is an automated telephonic system that purports to conduct the transaction but then at the end relays that it is unable to complete the transaction without a significant amount of mail - in documentation. I attempted to complete this process several times in several ways using the website. I then attempted to contact a live representative via phone and each time, the automated system will not give you a path to a representative. It is unclear to consumers such as myself what the status is of my request. When completed online, it states that it was processed but then a screen comes up and says it was unable to process the transaction and appears to ask for information related to the request of a credit report. It is confusing and deceptive and makes me wonder whether paid users of Experian 's service have the same issue. I was never able to reach a live representative at Experian to resolve this matter or even express any concern ( despite considerable searching on the website for contact information and calling various numbers ).

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 2023-09-05
Company: EVERBANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Im on loan modification for 1 year now, they stopped taking auto pay out I call monthly to pay so it isnt late. I believe they want to take my property. This month they report to credit bureau my balance went from XXXX to XXXX but my mortgage is paid on time no late fees. How would balance go up when I also pay additional XXXX XXXX monthly just towards principle

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: NCP Holdings, L.P.
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I accepted an offer from TotalLoan on XX/XX/2023 for {$20000.00} giving my personal information as requested on the application and was denied and extension of my credit. My rights were violated ECOA/Regulation B with resulted in injury. This reduce my confidence to apply for more credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
XXXX XXXX account with ID # XXXX opened on XX/XX/XXXX and a balance of {$1200.00} please block this accounts and delete is fraud. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXX account with ID # XXXX opened on XX/XX/XXXX and a balance of {$1100.00} please block this accounts and delete is fraud. 
I am a victim of identity theft and I never opened this account. 
Inquiry from XXXX XXXX, XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX, XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX, XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX, XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report Inquiry from XXXXXXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX, XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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: Information belongs to someone else

Complaint:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On or about XX/XX/2023, I received a XXXX XXXX XXXX XXXX XXXX. Upon receipt, to understand the depth of the alert, I contacted a XXXX customer service representative. In an application for a consumer loan, the representative noted that personally identifying information was used. Shortly thereafter, the following additional XXXX XXXX XXXX ( and Dark Web ) alerts were identified ; i.e., XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. At that time, to determine if there were possible fraudulent activities, within other consumer reports, additional suspect accounts and collections were observed. As the result of the XXXX XXXX XXXX ( XXXX ) breach, an XXXX breach, and most recently the XXXX XXXX  XXXX data breach ; the prevailing belief is that my personal data has been compromised. Moreover, personal data is being used to open and or maintain fraudulent consumer data. 

Subsequently, I have thoroughly reviewed my credit report and would like to inform you of the inaccuracies it contains therein ( see list below ). U.S. Code 1681c-2 compels a Consumer Reporting Agency ( CRA ) to block collection activity the consumer identified as information associated with ( or resulted in ) alleged identity theft. As a reported victim of identity theft, in violation of the above code, your organization has legal culpability. For instance, under U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), consumer reporting agencies may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. To date, I have NEVER given or afforded any Consumer Reporting Agency, or any such entity WRITTEN CONSENT to report or furnish personal consumer data. Thus, as identified, the following items constitute violations of federally protected rights.

The following attachments and letters to consumer credit reporting agencies are submitted for review.

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 2023-09-04
Company: RMS-Recovery Management Services, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Potential fraud n identity theft from university, while using these loans n me never being enrolled, but the XXXX  semester of XXXX, and Thats all. Wow. Pls look.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.

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 2018-02-09
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX have been reporting negative accounts reflecting {$900.00} ( XXXX ) and {$130.00} ( XXXX XXXX ) to EXPERIAN, XXXX, and XXXX. XXXX removed the accounts from my report, however EXPERIAN and XXXX continue to publish these fraudulent accounts hindering me from obtaining credit, thereby causing me to suffer for the last 6 years when the ability to obtain credit would have made life turn out better than this lowly state I feel forced to endure. I am confident that neither furnishing nor reporting parties can validate these debts, although, every time I dispute the accounts I am notified that the accounts are up to date and in compliance with FRCA standards, but I have not seen any evidence to verify these statements. I demand recourse in actual damages for conspiracy, deprivation of rights, fraud, defamation of character, and intentional infliction of emotional distress. I feel it necessary that punitive damages be awarded as well for willful and malicious disregard as well as blatant disrespect for sanctions found within the FCRA.

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 2023-03-14
Company: Experian Information Solutions Inc.
State: TX
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 value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. In accordance with the Fair Credit Reporting Act Section 605b, please remove the following items as soon as possible : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX Balance : {$4800.00}. If the Credit bureaus claim that the disputed items belong to me, I require the Credit Bureaus to send me copies of proof of verification of proof of ownership or any documents bearing my signature si support your claims. Without these documents, the disputed items should have been immediately removed from my Credit File in accordance with the Fair Credit Reporting Act.

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