BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-17
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX 2018. Citi bank website and mobile app displaying my checking account balance as follows Available Now : {$10000.00} ( " Available Now '' is the amount in your account that is available for withdrawal .... ) On Deposit : {$11000.00} I called to Citi bank branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX to notify about withdrawal of {$10000.00} prior to visiting branch. 
At the branch teller under the supervision of supervisor denied to do the withdrawal of {$10000.00} because they believe that the check of {$7000.00} that I deposited on XXXX XXXX at ATM is still pending. I told them that money is showing available on website, they told me that it is not available for withdrawal it is available for debit transaction (? unclear ). 
Website and app clearly states " money available '' means available for withdrawal. 

Called customer support, after long hold finally reached some representative in XXXX, who was not able to help, could not clearly explain the different between available funds and actual available at local branch and offered to withdraw money from ATM which he could technically increase a limit of up to {$5000.00}. 

So the available balance that is showing in Citi bank website or app is not the amount one can withdraw at the bank. The amount that can be withdrawn at the branch is pretty much depends on teller 's mood and personal relationship. This is my second similar experience with Citi bank outsite of my neighborhood. 

I have been banking with Citi bank for over 8 years, have excellent credit score and over {$20000.00} credit line with Citi with approximate XXXX balance.

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 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 letter beginning of XXXX and have not gotten any information on these UNAUTHORIZED INQUIRIES!! Which are affecting my credit worthiness!

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 2018-01-17
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
A Texas motor vehicle retail installment sales contract was started on XXXX/XXXX/2017 for leftover XXXX new XXXX XXXX. The amount borrowed is $ XXXXXXXX1.90 % for 72 months with a monthly payment of {$490.00}. My contention is the monthly payment should be {$480.00}. If you do a simple loan calculation you will come up with $ XXXX looks to me that they are using an interest rate of 1.9235 rather then the original rate agreed upon.I contacted the credit co. that is carrying my loan to no satisfaction. Although this is a small amount of XXXX cents per month and {$24.00} over the 72 months, it may prove considerable fraud over thousands of accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, 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 this letter requesting that my file be removed from the consumers affairs department. I was informed by the consumer affairs department that the reason I'm in that department is due to an issue that occurred in XXXX. Due to the timing and the fact that it has been long been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We have a disputed account that is being claimed as owed by a collection agency that is not correct. We have no idea what the demand is for other than the Business name. 
We think it is about an XXXX XXXX XXXX equipment return that we did at a local XXXX XXXX XXXX office where we returned equipment but their system was down. We were told everything would be okay and to just leave the equipment. The equipment was returned to an XXXX XXXX XXXX store on XXXX by the XXXX here in XXXX XXXX, Texas. Diversified is the collection agency assigned to collect but they have not provided me an account number nor have I received any collection letters. I have no clue what to do other than ask for help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2018-01-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
When I was coached to taking this loan from the school I had no idea what I was getting myself into. I have been unemployed for nealy two years and cant make the payments as it destroys my credit and gives me no shot at getting a XXXX job since they now check credit for employment..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Sometime in XXXX there was an " Total Advance '' {$470.00} fee added and no matter what I do I am always overdue and late because of it. I do n't even know what the advance is for. I have made payments all year missed one in XXXX but paid 2 in XX/XX/XXXX and 2 in XXXX. I have no idea why I owe {$1800.00} and have late fee 's every month. They always send a statement saying that they have a right to foreclose on me, and my credit is messed up so I can not remortgage. I did file banckruptcy at one time but continued to make my monthly payments. I also paid my escrow shortage but it still shows I have a shortage on my statement. When I call to talk to someone they take forever to get me to the right person and I work myself during the day and do not have time to wait over 40 minutes. I have sent emails but they always say I have to call.

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 2021-02-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I filed a complaint against XXXX  and Experian concerning the inaccurate reporting of XXXXXXXX. This account was sold to XXXX XXXX XXXX. XXXX and all associates have requested this account be removed from all credit bureaus. XXXXXXXX  has failed to response to my dispute. I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 45 days gives a reason to immediately remove those items from my credit reports. It has been over 90 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2021-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 believe Capital One Bank ( USA ) N.A. wrongfully denied my credit card increase request submitted on XX/XX/2021 due to me filing a credit report dispute on XX/XX/2021 against information reported by Capital One Bank ( USA ) N.A. with the major credit reporting bureaus including XXXX. 

XXXX. On XX/XX/2021, Capital One Bank ( USA ) N.A. provided a denial letter that stated they used a credit report from XXXX dated XX/XX/2021. 

XXXX. I believe Capital One Bank ( USA ) N.A. used an older and disputed credit report, which has since had information corrected, to wrongfully denial my credit card increase. 

XXXX. The factors stated within Capital One Bank ( USA ) N.A. denial letter are no longer accurate due to the XXXX investigation involving XX/XX/2021 credit report dispute as they should have known. Thus, my credit scores have significantly improved. 

XXXX I believe Capital One Bank ( USA ) N.A. did not obtain a current credit report to wrongfully deny my request for a credit card increase. 

XXXX. As a current customer, I also have a good payment history with Capital One Bank ( USA ) N.A. and other creditors. 

XXXX. My credit card increase was a moderate one due to my on-time payment history with Capital One Bank ( USA ) N.A .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: CURO Intermediate Holdings
State: OK
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 been requesting, since XX/XX/2021, verification of this alleged debt that this agency claim I owe and which they are reporting on my credit files. However, they have failed to obtain and send me legal verification as mandated by the law. Furthermore, I have requested verification and validation, several times, directly through each of the XXXX XXXX XXXX and each time they have reported that they electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Thus, they have failed to cease collection activity until verification of debt has been made by continuing to report inaccurate and unverifiable information to these XXXX XXXX XXXX as prohibited by the Fair Credit Reporting Act. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX We disputed the information that 's being reported to my credit report which is incorrect and this company has n't provided me validation of the information that they 're reporting and using general information to confirm this incorrect information. This is causing very negative effect on my credit report scoring and I want this information removed ASAP

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 2019-02-11
Company: Performant Financial Corporation
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This company put a levy on my bank account. XXXX XXXX XXXX XXXX, I contacted them and was told to pay {$1000.00} down because I do not have the entire amount of {$2.00}, XXXX. I called almost everyday trying to get someone to set up reasonable payment arrangements with me with no success. My Uncle agreed to loan me the {$1000.00} down and he paid the {$1000.00} via phone today XX/XX/19 and I set up payment arrangements to pay {$300.00} per month to pay off the balance {$1400.00}. Then about 2-3 hrs later XXXX called me back to say were canceling your payment arrangements and moving forward with garnishing your pay check instead, after they took the {$1000.00} down payment. I tried again speaking with someone, I spoke with XXXX ( XXXX ) XXXX who I could tell by the tone of her voice was going to be of no help. She told me that I had told them that I could never or not pay {$1000.00} down and I told her yes but I have borrowed the money and it was paid. I told her the arrangements that I was told and she disagreed with me, which I know what each person told me to do because I would have never had my uncle help me and he also verified it with them over the phone before making the payment. XXXX declined to listen to all of the taped calls including the one with my Uncle. She even stated Im not going to argue with you about it and hung up on 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 2018-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Two XXXX Card accounts reporting to my credit Bureau 's?

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 2019-02-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
XX/XX//2017 I opened an account with paypal credit. It should have been paid off by now, but now they have it listed as a ridiculous amount that I did not do. I only started out with XXXX, now it is over 10,000.00.  That is ridiculous. There is no way I spent that much.

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 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 had my identiy stolen in XX/XX/2020. I have contacted TransUnion about removing the inquiries on my report that I don't reconize or I did not autherize. I sent letters on XX/XX/2020, XX/XX/2020, and XX/XX/2020 and they will not remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30 day late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Alpine Credit, Inc
State: CO
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:
Alpine Credit has reported a balance of {$59.00} on all ( 3 ) of my Credit Reports. I had owed XXXX XXXX XXXX and they were actually overpaid. Now, they owe me money as I paid them {$70.00}. I disputed this with all ( 3 ) Reporting Agencies and it was only removed from XXXX. When disputed with XXXX, Alpine stated to XXXX that as of XX/XX/19, I still owe {$59.00} which is incorrect. I then contacted Alpine Credit and sent them proof that this was paid to the servicer and that they need to remove this incorrect information from my report immediately and have had no response. If this isn't removed, I will contact an attorney and see what I can do about their false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Yes I'm including All credit bureaus to in this complaint. They continue to report this false company from a ( 3rd party debt collector. Fair collections ) saying Verified. After numerous attempts of resolvement after dispute a few times that I dont owe this company or original creditor any amount and to show proof, they finally sent me and I assume credit bureaus fake ledgers that has info inconsistent! First thing was the address in question very noticeable don't know how credit bureaus missed that! 
Is not the address they referring to thats a address in New Jersey and the address in the matter is Pennsylvania address. ( Big red flag ) If these documents came from their records of the Original Creditor how a different address on there as their property?

Then the amount is all over the place, FaKE ledger. I never wrote checks to have them returned then it shows before the move it date of this. Who will allow someone to move in a rental with return checks shows bad character. Thats a computer made signature and the balance don't make sense
and No security deposit info posted. Its a unlawful crime and im suing them after seeing what documents they trying to produce and the credit bureaus allowing it. I WANT A Through look into this with this deleted from my account that's harm to my credit and name. These are Criminal Activity of deceiving to gain money. This been 6 years almost of this and I want to face a judge with this.

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 2018-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Re : Accounting Ending XXXX ; Case # XXXX 1. Letter dated XX/XX/XXXX from Capital One ( CO ) regarding an alleged account ending in XXXX, CO stated my account was past due. See Attachment XXXX ( 2 MB ) for details. 
2. Letter dated XX/XX/XXXX I requested specific account information, e.g., account statement, specific charges, total amount owed, from CO. See Attachment XXXX ( 2 MB ) for details. 
3. Letter dated XX/XX/XXXX from CO in response to my letter dated XX/XX/XXXX. See Attachment XXXX   ( 2 MB ) for details. 
4. Letter dated XX/XX/XXXX I requested a second time for specific account information, e.g., account statement, specific charges, total amount owed, from CO. See Attachment XXXX ( 2 MB ) for details. 
5. Letter dated XX/XX/XXXX from CO in response to my letter dated XX/XX/XXXX. See Attachment XXXX   ( 2 MB ) for details. 
6. To date, CO has yet to provide any requested information for account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Jana Ferrell & Associates LLC
State: OK
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 been requesting, since XX/XX/2021, verification of this alleged debt that this agency claim I owe and which they are reporting on my credit files. However, they have failed to obtain and send me legal verification as mandated by the law. Furthermore, I have requested verification and validation, several times, directly through each of the XXXX XXXX XXXX and each time they have reported that they electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Thus, they have failed to cease collection activity until verification of debt has been made by continuing to report inaccurate and unverifiable information to these XXXX XXXX XXXX as prohibited by the Fair Credit Reporting Act. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.

Company response to consumer: Closed with explanation