BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-22
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 disputed an unauthorized charge made to my personal Citibank Preferred credit card from a merchant called Vivid Seats LTD on XX/XX/2020 in the amount of {$8600.00}. 
However, on XX/XX/XXXX I logged into my Citi account and became aware that Citibank resolved the dispute against me despite the evidence I presented showing the charge was unauthorized. When I last filed a complaint on CFPB, the status of the Citi dispute was CLOSED. However it has now been REOPENED and new information has come to light. 

This is related to my previous CFPB complaint XXXX, however this complaint is regarding the UNREASONABLE LENGTH OF TIME THIS COMPLAINT HAS BEEN OPEN DUE TO CITI 'S MISHANDLING OF THE INVESTIGATION. 

On XX/XX/2020, I requested the evidence that the merchant sent to Citi that resulted in their resolving the dispute against me in a phone call ( spoke to XXXX XXXX, and the rep at Citibank put in a request, stating I would receive a reply within XXXX business days. I never received said evidence. 

After I followed up AGAIN via email demanding the evidence the merchant sent, Citibank reopened the investigation and on XX/XX/2020 emailed me to inform me they had sent along my dispute to the merchant and that the merchant would have until XX/XX/2020 to reply. This is not acceptable. I opened my dispute on XX/XX/2020. Citibank did not perform even a basic investigation. They never reached out to the merchant prior to CLOSING the dispute. Only until I continued to press the issue did they EVER reach out to the merchant - FOUR months after my initial dispute date. They did not perform their basic duties to protect me, the card holder, or follow basic protocol and procedures for dispute investigations. 

It has now been 4.5 months since I opened my dispute with Citibank and to this day my dispute is still in limbo. Given Citibank 's severe mishandling of my dispute, I am requesting that Citi close the dispute in my favor immediately and return the funds to me.

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 2021-11-29
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:
I HAVE CONTACTED XXXX XXXX AND EQUIFAX ABOUT INFORMATION THAT DOESN'T NOT BELONG TO ME. 

XXXX XXXX 
Names: 
XXXX  
Address: XXXX XXXX XXXX XXXX XXXX VA  XXXX XXXX XXXX XXXX XXXX md XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX 

THESE ACCOUNTS WERE NEVER LATE IVE CONTACT BOTH COMPANIES THEY INFORMED I MUST DIPUTE THROUGH YOU 

Late Payments 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT 

Hard Inquiries: 
 

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 EQUIFAX: 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 EQUIFAX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a copy of my credit report and there was a collection account from Helvey and Associates. I had never received any communications from this company, so I didn't even realize it was on my credit. 

I sent Helvey and Associates a letter via certified mail on XX/XX/2020 ( XXXX XXXX XXXX XXXX XXXX ) which they received XXXX XXXX, 2020. I requested validation of the debt and supporting documents from the original creditor as proof that I am indeed the party they are asking to pay the alleged debts, that they possess documentation and full accounting of the amount the alleged debt that can be presented as evidence, that the debt collector ( Helvey and Associates ) produce documentation from the alleged creditor authorizing them to contact me and pursue collection of the alleged debt, and that they have a license to collect debts in Ohio. 

I also requested : date of last activity on the alleged account, any and all documentation from the " original creditor '', proof of any/all obligations by way of transactions between Helvey and Associates and myself proving evidence of their authority to report, much less attempt, to collect allged debt. 

Helvey and Associates NEVER responded to my request for validation. They continue to report the account to the credit bureaus even though they never validated the debt within the time allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 account for {$1300.00} now sold to XXXX XXXX XXXX This account was opened fraudulently. I have already disputed and had this account removed previously for identity theft. It has been sold to another company and placed back on my report. It needs to be remove

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 2022-08-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Since we filed the complaint, we have had three telephone conversations with USAA Fraud Dept. They will NOT close account unless we get online to close. This was the whole problem originally, a hacker hacked into our account and ordered new cards & set up an online account. Originally we were promised USAA to send paper statements but this never happened. When I Finally got ahold of a Sr. Vice President, she sent the last 6 months of paper statements and We paid off the card. We sent as hand written letter requesting closing of account along with cut up cards signed by both of us. Since USAA lied to us about about the paper statements, there is no guarantee that the a hacker won't steal our card info again. USAA promised to take the delinquency off of our credit, but since they lied before, I'm not sure if this will happen. As a consumer, I have the right to freeze my credit info, why can't I close the USAA account or freeze it? USAA is an abusive Bank, they should have their Bank Charter revoked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX was trying to collect {$2100.00} for unpaid rent and damages and filed an eviction in XX/XX/XXXX. We went to court, which was in XX/XX/XXXX for the unpaid rent of {$730.00} and the court awarded them a total judgment of {$970.00}. Prior to court, XXXX XXXX sent a personal invoice for what they felt were total fees and tried to collect on damages, which there were none according to the judgment against me and XXXX XXXX collected on a Sure Deposit of {$2000.00} from XXXX XXXX XXXX XXXX and I believe this is the debt amount they sold to National Credit Systems which is incorrect. I have also attached the court document below showing the judgment owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Credit Card originally issued as a GM Card ( General Motors ) which I have had for more that 25 years. GM Card has become managed or owned by 'Capitol One ' of XXXX. XXXX XXXX XXXX, NC XXXX. My XXXX statement had a balance due of {$3000.00} due on XX/XX/2020. I paid {$2500.00} toward the balance on XX/XX/2020 leaving an unpaid balance carried forward of {$580.00}. My XXXX bill showed a current balance due of {$1500.00} of which I had a Interest charge of {$35.00}. The interest charge was on the unpaid balance from the previous month of {$580.00} so I was effectively charged 5.95 % interest for one months interest. That would be an annual percentage rate of 71 %. I would think that is a rather high interest rate by any standard. I complained to the company and they said it was charged from the date of purchase on the items. Had I known this I would have paid the entire balance in XXXX. Had I known this before XXXX I would have cancelled the card. These rates are predatory on credit card users and should be reviewed by your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: GA
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:
I have inaccurate personal information that need to be deleted from my credit report. As of XX/XX/2021 I have sent several letters to Equifax requesting that the incorrect information be removed. XXXX and XXXX  has already updated my personal information. Thank you in advance for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: MoneyLion Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I have previously filed a complaint with CFPB ( XXXX ) regarding MoneyLion 's failure to allow its loan clients to revoke ACH authorization. Within that complaint are additional details surrounding my initial failed attempts to revoke.

In MoneyLion 's XX/XX/XXXX response, the company offered to manually revoke this. To date, they have failed to do so, and this further indicates their deliberate refusal to honor customer requests to revoke ACH authorization as mandated by law. 

I am attaching a screenshot from within the MoneyLion app that shows my still-linked checking account of which I have repeatedly requested removal. I continue to receive an error stating " We can't delete your payment method at this time '' with each attempt to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Resurgent Capital Services L.P.
State: NV
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 contacted the state of Nevada on this matter and they have informed along with a response from the company letter. however they have also informed that LVNV Funding is not license in the state of Nevada as a collection agency but this company is reporting on my credit report as if they are the collection agency I'm enclosing a copy of my credit to show proof only for the CFPB please do not sure my credit report to anyone. i would like to get this matter handle as soon as possible thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: SYNCHRONY FINANCIAL
State: AZ
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:
This information was on my credit report as a hard inquiry and I did not request anything. 

SYNCB/WALMART PLCC Inquiry : XX/XX/2019 Travel/Entertainment ( XXXX ) XXXX Institution Information SYNCB/WALMART PLCC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX SYNCB/PAYPAL Inquiry : XX/XX/2019 Travel/Entertainment ( XXXX ) XXXX Institution Information SYNCB/PAYPAL XXXX XXXX XXXX XXXX, FL 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 2019-04-18
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These is a XXXX bill located on the experian profile under XXXX XXXX in which it has stopped me from obtaining future business credit for the company.

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 2021-06-02
Company: EQUIFAX, INC.
State: NY
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/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). It's due to the fact that there are irregularities in my consumer report, It's compelling and greatly damages my reputation as a consumer. I do hope that these things will be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a derogatory remark - bankruptcy - on my Experian credit report that does n't belong to me. I sent letters and called Experian numerous time but the remark still there. 
Please help. 

US BKPT CT NJ 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 explanation
Consumer complaint received 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
My current credit card report shows me having late payments since XX/XX/2014which were not my fault. 

Many times I ould go into a XXXX XXXX branch to make an equity line payment only to be told by a teller that I don't owe anything. Then I would start receiving harrassing phone calls from XXXX XXXX telling me I am delinquent ... so I would go back to the bank only to show I owe for 2 months I never logged a complaint as I never looked into my credit report until fall of last year. 

Just recently this I went into a branch and had the teller tell me I didn't owe anything once again I went back a week later to speak with a banker. She looked into her " banker '' system and showed me delinquent owing for 2 months ... She then looked into the " teller '' system and showed me owing nothing. She made a copy of boths screens for me a proof and also helped me log a complaint with XXXX XX/XX/XXXX. 

There are obvious errors occurring on their banking system Its been over 2 months and still zero response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
In XXXX, I contacted XXXX XXXX XXXX XXXX to see what options were available so that I would not have my house go into foreclosure. They failed to provide accurate information regarding workout options and foreclosure information. I asked about what options were open for me. They told me that I could not do a loan modification, Deed-in-lieu, Short-sale, or refinance. Different told me different things when I called the XXXX XXXX XXXX XXXX Mortgage department so options were told that they were unavailable to me and then they were, or I was too late because of the misinformation. I hired 3 different estate agents who listed the house. I had 2 people who made offers to buy the property for a percentage but, the bank refused saying that it was not enough. one offer was for {$18000.00} and the other was for {$30000.00}. Agents told me that many people didn't put in offers because the garage that is located near the property did not come with the house. So with no acceptable offers, the property went into foreclosure and in XX/XX/XXXX it was sold for {$24000.00}. The mortgage never included the garage located near the property but, as of XX/XX/XXXX, there was a survey completed showing that the garage is actually part of the property. The garage was never insured and only used 1 stall of the garage being that the other stall was used by the owner of other property, and believed to be owned by the owner of other nearby property that shares driveway next to the property. The power is connected to the other property. The garage was never included on the mortgage or appraisal for the mortgage. XXXX XXXX XXXX XXXX did not work with me or provide accurate information regarding workout options which have resulted in foreclosure on my credit report and preventing me from getting another home for me and my family.

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 2020-09-22
Company: Experian Information Solutions Inc.
State: PA
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:
Experian /XXXX XXXX I enabled in XXXX Security Freeze then on XX/XX/XXXX Checked with XXXX XXXX  and score dropped Experian contacted and i reviewed Report and created dispute XX/XX/XXXX dispute result mailed By Experian to me and address/name incorrrect XX/XX/XXXX dispute result mailed by Experian to me using same name/Address as above I am unable to log on/ contact Experian locked out and call line drops my call when trying Fraud or Freeze. I spoke with XXXX XXXX XX/XX/XXXX to review my account it was transcription error on SSN. Called today XX/XX/XXXX. Unable to locate me by name/SSN/phone # /Address I need help ASAP. I need loan! 
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 explanation
Consumer complaint received 2020-09-22
Company: EQUIFAX, INC.
State: IN
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 XXXX from The Equifax dispute department ( ID # XXXX ) informed me that although Equifax listed that the XXXX account was currently under investigation on my credit report, it in in fact was not. I have pulled my credit file every single day since XX/XX/XXXX ( when I filed the dispute ) through the Equifax credit product that I pay for and each time the account showed that it is still under investigation. I also spoke with a representative from Equifax in late XXXX who informed me that that dispute would be completed by XX/XX/XXXX. According to my records the Company did not respond and this account should have come off my credit report today. Additionally, each time I checked, I was prevented from disputing this item again because it showed that it was still under investigation. This is a recurring issue that I continue to have with Equifax. They have not investigated my complaints and the investigation notice on my credit file for this account has prevented me from being able to dispute it again. Additionally, I sent them copies of the letters that XXXX sent to the CFBP indicating that they do not have any account information matching my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received two letters from Kohl 's department store on XXXX XXXX 2020. The first is a bill saying that I owe {$120.00} asap with a total balance of {$530.00} and the second is a letter saying that I owe that amount. The letters look very official with and have my full name and address. When I call the phone numbers on the letter they ask for my full social security number, which is what tipped me to this being fraud. I called Kohls and they confirmed that an account was opened in my name. I am working with them to make sure to cancel the card and the amount owed, but want to report this activity! 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Maximus Education, LLC dba Aidvantage
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
The inaccurate accrual of interest has compounded and been added my my original loan amount, throwing the aggregate limits over budget and kicking me out of finishing my senior year in college.

Company response to consumer: In progress