BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-08
Company: CIT BANK, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
CIT Bank Contacted bank about higher interest rates published, but my account receiving a lower rate, asked bank to extend the higher rate, they said you must open a new account, even thought the existing acct was identical in structure, terms, fess etc to the new account. Instead i asked to close my account and transfer all funds to the external account on file. CIT claimed it would take over 1 week before they could close account and transfer funds. 4 days later they asked for the external account routing and acct numbers, which they already had, or they would send a paper check. CIT is very underhanded and difficult to work with, easy as 1,2,3 to set up an account very challenging to close an account and get your funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Commonwealth Financial Systems, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the 3rd collection agency that has attempted to collect on this account. The account is NOT MINE, my information keeps being bought and sold and it needs to stop. This account needs to be removed from any credit bureau it is being reported to immediately. I will file a law suit and a complaint with the attorney general if these actions do not stop immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent letters to the credit bureaus. I had discovered errors that I wanted them to investigate, and this letter requested that. I was supposed to hear back from them within thirty days, but I have not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
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: Information belongs to someone else

Complaint:
Dpt Treasury Closed ReportedXX/XX/XXXX XXXX XXXX Closed Reported XX/XX/XXXX Us Dept Vets Closed ReportedXX/XX/XXXXUs Dept Vets Closed Reported XX/XX/XXXX Us Dept Vets Closed ReportedXX/XX/XXXX XXXX {$340.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$390.00} OpenedXX/XX/XXXX XXXX XXXX {$640.00} OpenedXX/XX/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 2020-08-24
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have written good will letters to take off late XXXX  payments results to accounts that are closed due to consolidation and I want to ask to remove those accounts that are no longer owed or exists off my credit report.

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 2020-10-13
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed Security Credit Systems which is on my credit for an  account they claim is through XXXX XXXX. Since i have disputed this as not mine they provided documentation from a company from XXXX XXXX and the documentation does not have any indication that it belongs to me or that i signed an agreement with XXXX XXXX. No Signatures, the information is all typed out and does not prove that I have an agreement with either of these names. This makes 3 names total. I need this removed from my credit as this is hurting me and they have called threatening to sue me and sending different letters/people to my home harrasing me of this debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: UNITED BANKSHARES, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Hi, I used to have a joint account with XXXX XXXX and didn't get to use it much but after moving to a new apartment, I noticed that the account has been closed due to negative balance. I do lot recall using that scout for anything, so I called the customer service abs went over the detail. She told me that the fund in the account was low but still positive, but the scheduled maintenance fee kicked in and after that, the account went negative and triggered fee daily for a month or so.

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 2020-08-29
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX  has not acknowledged my request for accommodation to credit reporting in accordance with CARES Act ( section 4021 ).

Although I have attempted mail and phone correspondence I have not received a response nor acknowledgement of my dilemma.

Earlier this year my wife was terminated from her job of 13 years due to the COVID-19 Pandemic. Amid the stress and chaos during this  period there was a lapse in accounting for my XXXX XXXX account. Typically, I keep the card paid in full perennially so I dont have to worry about the monthly bill. XXXX XXXX  reported 30 day late payment to all credit reporting bureaus. The balance on the XXXX XXXX card is minimal and the companys fees can make it easy to lose track of a card that rarely gets used. 

XXXX XXXX  touts XXXX XXXX Secured VISA card as a tool to improve credit. 

XXXX, I have had the {$200.00} XXXX XXXX ( Secured ) card  since XX/XX/XXXX and although I have multiple credit cards with other banks like XXXX  XXXX and XXXX with higher limits, this is the only card with a delinquent payment on my credit report. The 30 day late that was reported in XX/XX/XXXX is the only late credit card payment on my credit report which has a severely detrimental impact on my family. 

The opportunity to have late payment record for XX/XX/XXXX deleted due to turmoil during the COVID-19 pandemic would demonstrate professional courtesy, empathy and consumer loyalty during these trying times. 

The 30 day late report for the month of XX/XX/XXXX should be removed from all credit reporting agencies pursuant to Cares Act ( section 4021 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a spring break vacation trip XX/XX/2020 to XX/XX/2020 to XXXX for my family ( XXXX, XXXX, and I ). XXXX booked the resort and the airline tickets thru XXXX XXXX for the three of us. Before XX/XX/2020, XXXX XXXX cancelled the flight and offered no alternative travel arrangements. The Federal Government issued an order banning all non-essential international travel. This trip was a vacation outside of the United States which is considered non-essential travel. The State of California issued a stay at home order prior to the scheduled travel date. If we flew on this flight, it would have been a violation of the state order. 
It is important to note that we still wanted to travel on this flight and were ready to travel. However, we were unable to do so due to XXXX XXXX cancelling the flight and offering no alternative flight. Therefore, by responding to my dispute, XXXX XXXX is attempting to charge for a service they never delivered. Furthermore, we also were in no position to violate any Federal and State orders not to travel. 
It should be further noted that the airlines have been ordered by the Federal Government to refund fares paid for by consumers. Therefore, XXXX XXXX should not even being responding to the dispute. 
Finally, per the fair credit reporting act, Citibank as a credit card company can not charge for a product or service that was never delivered. When XXXX XXXX cancelled the flight and offered no alternative flight, they were in essence trying to charge for a service they were unable to deliver. 
Therefore, if Citibank decides to rule in favor of the airlines for this dispute, Citibank will be in violation of Section 621 ( a ) ( 2 ) of the Fair Credit Reporting Act which provides a per violation penalty from {$3500.00} to {$3700.00} per incident. 
I did submit my dispute with Citibank, and all the required documents to prove that XXXX XXXX did indeed cancel their flight. Also Citibank only refunded one ticket and rejected my two other tickets.

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 2018-11-16
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  isnt doing a proper investigation for accuracy because XXXX XXXX XXXX  have inaccurate information and also I ask XXXX XXXX XXXX states they have ownership the account when I ask them for proof from the original creditor of the debt, license to collect, a contract stating that I owe them with my signature they failed to respond to my Letter that was send to them certified mail and is was notarized. The credit bureau ( XXXX  ) are violating the FCRA ( They refuse to correct information after being provided proof of inaccuracy ), Failing to respond to your written disputes within 30 days ( a 15 day extension may be granted if they receive the information from the creditor within the first 30 days ) .and XXXX XXXX XXXX   is violating the law by ( They fail to report a disputed debt to the credit bureaus ) thats FDCPA, ( They have not validated your debt and they still continue to report to the credit bureaus ) thats FDCPA , ( They Re-Age your account by reporting the date of the last activity instead of the date of the first delinquency ) thats FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
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: Account status incorrect

Complaint:
On XX/XX/2018 I submitted letters to all three credit bureaus ( XXXX, XXXX, and Experian. I sent all letters certified and confirmed all received by the bureaus. I submitted a dispute to have all 5 XXXX XXXX XXXX accounts removed from my credit report as well as the US Bnkpt CT FL-XXXX account as they do not belong to me and should not be on my credit report. I received a response from Experian on XX/XX/2018 with confirmation that 4 of the 5 accounts were deleted. I was some what pleased because none of these accounts belong to me and so far 4 of the 6 have been identified as it not and being deleted. As of today XX/XX/2018 All three reports including Experian are still showing all of the accounts on my report and none deleted. Experian mailed me the first response saying this has been deleted but it is still showing on all three 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 non-monetary relief
Consumer complaint received 2020-06-30
Company: Santander Consumer USA Holdings Inc.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a new vehicle from XXXX XXXX in XXXX Louisiana in XX/XX/2019. I put XXXX down payment. I was so happy to get my wife a reliable vehicle that I overlooked a lot of details. I have struggled to make payments and have almost turned it back in several times. In hind sight I made bad decision. I saw an article about Santander and after reading, I got my contract from the car and was surprised to read a lot of the allegations Santander settled their complaints ... were done to me. I felt used/tricked/manipulated/stupid. Mostly not informed. I am still stunned to find I have a XXXX car payment for 5 yrs at 18 % interest. My signature is there but again uninformed and stupid. I can not ever remember filling out a credit application only that they ( the salesman ) was looking for me a finance company. I signed for roadside assistance, I already had with XXXX XXXX XXXX The total price I pay is XXXX I feel stupid and taken advantage of. I was given rebate of XXXX which is invisible with the high interest rate. I unknowingly signed for gap insurance, I got that with my car insurance. I purchased a appearance protection warranty like a fool. XXXX XXXX for etching XXXX I wouldn't knowingly buy that. Wheel/tire insurance for XXXX I would not knowingly buy that. There has to be a way to stop customers from being taken advantage of. I wrote santander a letter asking for some form of relief ... I received no response. I called the attorney general of louisiana and I submitted a complaint on their website. I also have a purchased warranty in addition to the new car warranty. XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX PHH Mortgage sent me a servicing transfer letter. It did not include an assignment of mortgage from my previous lender or servicer to PHH Mortgage. On XX/XX/XXXX in response to a qualified written request PHH Mortgage sent me the note, mortgage, loan application, settlement agreement, and Truth in Lending. It did not include an assignment of mortgage from my previous lender or servicer to PHH. They sent me the mortgage from XXXX XXXX XXXX XXXX and XXXX XXXX. I've asked them for the assignment of mortgage on several occasions, and on XX/XX/XXXX they sent me a letter indicating then XXXX tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can be used in lieu of the assignment of mortgage. On XX/XX/XXXX XXXX  tracking number showed XXXX XXXX XXXX  XXXX was inactive. PHH Mortgage on XX/XX/XXXX they told me the XXXX  tracking number has been changed to PHH Mortgage Corporation. I asked them to provide documentation that authorizes them to change the XXXX  tracking number and they told me they do not have the assignment of mortgage. PHH does not own my mortgage and should not be servicing the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I purchased a car on or about XX/XX/2017. Credit was pulled by several companies, including - XXXX   XXXX, XXXX and XXXX XXXX XXXX XXXX. 
The companies above pulled credit 3,2 & 2 x respectively for a single transaction. ( See XXXX 2 Attachment ) .These pulls are each being recorded as a hard inquiry and have affected my rating on Transunion . ( See Attachment ). Hard Inquiries are 12 instead of 8. 

I have contacted Transunion and they said only the creditors can fix it. I have contacted the creditors and they have no process to remove the extra inquiries, and I should file a dispute with Transunion. I file a dispute with Transunion and they state the creditor had the authority to pull my credit. 

Yes they had approval to pull my credit once, not 2 or 3 times. Please assist me in helping get these items 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 explanation
Consumer complaint received 2018-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account is fraud.

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 2019-01-08
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
On XX/XX/19 I contacted PayPal Inc. about removing limitations from my account. The agent responded by closing my account deeming me as too risky of a seller on XXXX. I provided PayPal Inc. with purchase receipts, tracking information, and everything to verify my identity but they continued to close my account. I currently have a PayPal Balance of over {$6000.00} USD that I am unable to touch for 180 days until PayPal Inc releases my funds. This is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: UNITED BANKSHARES, INC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
- We put down {$99.00} earnest money and $ XXXX  towards structural changes ( 20 % of the structural changes ) on a new build on XX/XX/2018 - We were reassured over and over again by XXXX XXXX  ( builder 's ) realtor that this was all at no risk. If we did not receive orders from the Military to VA, we would get all of our money back. My sister and husband were both present for this talk -We trusted our realtor XXXX XXXX  to double check that contingency, he did not, so it is not in the paperwork.

-However, we have on the contract that we will be using a VA loan. The VA will not approve a loan for a home that you can not physically occupy for a required amount of time -We were pre approved using their preferred lender at the end of XX/XX/XXXX

-XX/XX/XXXXwe supplied our VA info for eligibility -XX/XX/XXXXwe received notice that our VA eligibility was $ XXXX  less than expected because we had a previous VA compromise sale -We were told at the time of our compromise sale that it would not effect our eligibility. That info was obviously incorrect.

-We are now being asked to either switch to an FHA for closing with {$24000.00}, or bring $ XXXX to the table upon closing for a VA. Neither of which we agreed to.

We now have TWO strikes. We can not come up with the $ XXXX   they're requiring from us, and we do not want an FHA. We also do NOT have current orders to VA. We will receive hard orders in the next few weeks ( possibly not until XX/XX/XXXX ). They will show a detachment date ofXX/XX/XXXX from our current command, and an attachment date to the XXXX XXXX Virginia command in most likely XX/XX/XXXX or possible XX/XX/XXXX, or XX/XX/XXXX. But al of this can change.

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 2018-11-16
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: Account status incorrect

Complaint:
On XX/XX/2018 I submitted letters to all three credit bureaus ( Transunion, XXXX, and XXXX. I sent all letters certified and confirmed all received by the bureaus. I submitted a dispute to have all 5 XXXX XXXX XXXX accounts removed from my credit report as well as the US Bnkpt CT FLXXXX account as they do not belong to me and should not be on my credit report. I received a response from XXXX on XX/XX/2018 with confirmation that 4 of the 5 accounts were deleted. I was some what pleased because none of these accounts belong to me and so far 4 of the 6 have been identified as it not and being deleted. As of today XX/XX/2018 All three reports including XXXX  are still showing all of the accounts on my report and none deleted. XXXX mailed me the first response saying this has been deleted but it is still showing on all three 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
Consumer complaint received 2018-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Trans Union received a letter from me on XX/XX/XXXX. In my letter, I had requested that they investigate accounts that were reporting erroneous information on my credit profile. They were supposed to respond with the results within 30 days. I did not hear back from them in that time-frame.

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 2018-10-19
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: Old information reappears or never goes away

Complaint:
My old pay off Student loans All pay off XXXX XXXX loans And Transunion XXXX XXXX Three reporting companies Will not remove from my report all Account that are old and pay off And written off account are all pay

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