BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery Associates is reporting 2 account on my credit reports one has a amount of {$400.00} and another amount of {$1000.00}. I have disputed this with all 3 credit reporting agency XXXX, XXXX and XXXX. Also I have sent Portfolio Recovery Associates debt validation several times with no response. This 2 accounts bt Portfolio Recovery Associates are still showing on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
RE-OPEN PREVIOUS CASES added to CFPB member account. 

The Navy Federal Credit Union stated : " that your ( my ) savings account is NOT protected from garnishments '' The Navy Federal Credit Union also stated : " that ONLY your ( me ) veterans compensation in your ( my ) checking account is protected from garnishments '' However, according to federal law 31 CFR 212.3, member 's bank " account '' means an " account, '' including a " master account '' or " sub account, '' at a financial institution and to which an electronic payment may be directly routed. 

As a result, the Navy Federal Credit Union fraudulently allowed a third party garnish my federally protected veterans benefits compensation of {$65000.00}. 

References : Title 38, Section 5301 ( 1 ) ( a ) Veterans Benefits and 31 CFR 212.3, Definitions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CITIBANK, N.A.
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:
DSNB/Macys is reporting a late payment to my Credit Bureau report which is incorrect as I had paid off all my balance in full for that month after speaking with the Customer Service before travelling. After I returned back to the US, I saw a charge of few cents and a late payment applied to it. I had called customer service right then and it was resolved as they refunded the charge along with late payment considering inaccurate and no action was needed from my end. However, it was reported to the Credit Bureaus as a late payment after a month and I see a remark on my credit bureau reflecting XXXX payment which affects my credit score and payment history negatively. 
I have 100 % payment history and a very responsible borrower but this is affecting my credit negatively and should be removed/deleted. I tried calling Macy 's customer service and they do not seem to have any information about this and see my account in good standing. 
My account is open since XX/XX/XXXX and the late payment that is affecting my score is from XX/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 explanation
Consumer complaint received 2017-08-11
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
My husband and I filed for bankruptcy in XXXX. We filed in XXXX of XXXX and it was XXXX in XXXX of XXXX. Our home was included in this filing however, we still own and live in the home. Our lien holder XXXX, is reporting on our credit report as the first reporting date was XXXX and not in XXXX. When questioned, they sent a letter which I will attach. I do not want this liability removed, I want it updated with the correct reporting date of XXXX and not XXXX. By XXXX not reporting this accurately, it is unjust and illegal. This is in direct violation of the Fair Credit Reporting Act. I would like this updated immediately. I have also attached our bankruptcy discharge paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 filed a police report and affidavit and mailed it to the credit bureaus and the creditor XXXX. XXXX stated they told the credit bureaus it was fraudulent, but XXXX and transunion refuse to correct the issue. XXXX keeps changing my information in their system without my permission. I gave them my address and phone number. I had the police and discover call with me, but XXXX kept hanging up the phone on us. I want my correct name, address, and phone number on my file and the fraudulent accounts from XXXX XXXX XXXX and XXXX removed. They have wrong employers listed form me that I want removed as well. This is how my identity has been stolen XXXX times in the last 20 years through XXXX. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX My phone number is 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 2022-11-21
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:
I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022. It has been well over 30 days and still have not gotten any reply. According to 15 USC 1681 ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. THIS IS A VIOLATION OF MY RIGHTS. 

The letters were mailed out certified : XXXX XXXX Mailing Tracking Number : XXXX Transition Certified Mailing Tracking Number : XXXX XXXX XXXX Mailing Tracking Number : XXXX I've attached the letter sent out to all 3 Credit Bureaus. 
All letters were signed and sent with my Government ID and Proof Of Address.

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 2021-11-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am hereby filing a written complaint against Equifax. I have sent over seven certified letters to the credit bureau to verify the incorrect information on my credit profile. Equifax is reporting XXXX XXXX XXXX late for 10 months in XXXX and in XXXX, XXXX and XX/XX/XXXX. They are also reporting a repossession and the car was never repossessed. These information are incorrectly being reported. I am requesting they remove this account immediately from my credit file. I have not received any communication from them about these late payments and they are yet to verify the validity of their data. They have not made any attempt to try to rectify this urgent matter. I initiated the verification process with them in XX/XX/XXXX and I am yet to reach a resolution. Im hereby seeking assistance and resolution. If this can not be resolved in a timely matter I will be forced to file legal action with the assistance of my attorney. Equifax please remove all late payments for this account and remove repossession status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have n't been able to reach any humans thru equifax phone number, they have been sending me emails that my dispute has been resolved but every time i click the link on their email, it says i ca n't see the result, this is a clear violation of FCRA 611 ( a ) ( 6 ) ( A ), which states as follows : " FCRA 611 ( a ) ( 6 ) ( A ) Notice of Results of Reinvestigation A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by means available to the agency. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: ALLY FINANCIAL INC.
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I tried transferring funds from a savings account to an investing account all held by the same bank, Ally Financial Inc . I had to make the initial transaction four times before it went through and when it finally did I started being locked out of my investing account. On XX/XX/XXXX I made another transfer in the amount of {$600.00} and it was approved that day but the cash only showed in the account for a couple hours before disappearing. I spoke to a XXXX at Ally Financial about the transfer and he was able to confirm the transfer but not the receipt in my other account. He transferred me to another department but the investing department is clearing phone queues every 30 minutes. They are restricting access to my accounts on both their app and their desktop site. They have {$600.00} of my money tied up in limbo where an employee can not find and they are restricting normal banking functions like accessing funds and buying stocks.

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 2017-08-11
Company: CITIBANK, N.A.
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
To Whom it May Concern, I have a citibank double cash card and had set up autopay to pay for my bills. However, I have just discovered that my account was n't paid off using autopay. For some reason the autopay was switched off. I had technical issues with their system before, but that is a major problem as I ca n't really trust their transaction system. Plus, they charged me {$65.00} for an interest fee that should have never been accumulated in the first place.

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 2021-02-23
Company: Ascendium Education Group
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been garnished for student loan payments since XXXX and have paid over XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Ascendium Education Solutions. I have requested my payment history due to contacting the Department of Education stating my loans are still in default. The XXXX emergency student loan payments have been extended until XX/XX/XXXX but I have been garnished again since early XXXX. I haven't been able to get information from them to tell me where my money is going. I want to get out of default and my XXXX has not done that for me. I want the money applied to my student loans. I participated with XXXX XXXX XXXX rehabilitation program and completed it last XXXX. I have no information on the next steps on my student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
they keep calling with different amounts due saying i owe them over 500 dollars in debt. iv tried contacting them and appeal the amounts. my insurance company already paid for the services they are trying to charge me for. they have harassed all hours, i tried blocking numbers and they just keep calling me with different numbers with different area codes. very frustrating. could you please put a stop to this. they call everyday about every other hour.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
I have a Bank of America checking, savings and CD account and my CD was for 48-months. I received the letter in XX/XX/2018 to contact Bank of America regarding CD. I visited one of the branch in XXXX, CA on XX/XX/18 and was informed that I have to call or visit the branch on XX/XX/2018 to either withdraw the cash or continue for another some time. I was also told that Id be informed on XX/XX/XXXX how much the interest rate will be there. 
Today, on XX/XX/XXXX I called Bank of America, waited for 45-minutes over the phone and later talked to an extremely impatient woman XXXX who refused to help me. I hate the way Bank of America treat its customers. I really seek help to get all of my cash from my checking, savings and CD accounts and close Bank of America for good. Its the worst bank in the United States.

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 2021-02-23
Company: CITIBANK, N.A.
State: IN
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: Card was charged for something you did not purchase with the card

Complaint:
I received 1 cash advance of XXXX on XX/XX/2020 from XXXX XXXX XXXX  XXXX IN from Citicard Diamond. When I received my statement it was on there as 2 XXXX transactions. I opened dispute with Citicard who contacted XXXX XXXX who responded to the duplicate charge as it not being a duplicate they pulled their records at the bank and only 1 transaction was made and only 1 advance of XXXX was given Citicard closed the case out because they say two transactions were done and put the responsibility on XXXX XXXX to resolve saying they must repay me. XXXX XXXX contacted me and has now said I need to reopen dispute with Citicard and let them know that XXXX XXXX has determined this not to be duplicate and file dispute as an unauthorized charge since I never received but XXXX XXXX cash advance i am being charged interest for 2 cash advances which I want a credit to my account both of these companies just keep passing the buck to one another and I the consumer is having to pay for an additional XXXX advance I never received

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 monetary relief
Consumer complaint received 2018-09-17
Company: Northwood Asset Management Group
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been contacted by this company multiple times and have sent a cease and desist letter asking not to be contacted again. Letter was mailed on XX/XX/XXXXfrom the post office. I was not contacted again until today, XX/XX/XXXX, by XXXX XXXX. I returned her phone call at XXXX XXXX & she became very hostile over the phone when I refused to pay. She claimed they did not receive the cease and desist letter, when I asked for an address to send the letter again she refused to give me the address until I answered her questions. She claimed the call was recorded, and I hope it is for the CFPB to investigate, as when I asked her to not contact me anymore she said she would continue to contact me. She also claimed this could come back to hurt me ; did she mean physical? Right before she hung up on me she mentioned the type of car I drove. A scare tactic like somebody is watching me or was she misrepresenting they would try & take my car which has nothing to do with this case? She claimed the debt was for a high interest loan taken out online with XXXX XXXX XXXX.  When I research XXXX XXXX XXXX their interest rate is above the maximum legal amount allowed in Tennessee and Northwood Asset Management is not licensee to collect debts in Tennessee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a credit card for 11 years or so with Capital One at 7.9 %. I didn't use it for over 2 years and I received an email that they have closed my account without letting me know. This affects my credit score tremendously and I would have like to keep it. I called several times to customer service and they are unwilling to help me. Could you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
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 status incorrect

Complaint:
Showing 30 days late on XX/XX/2022 payment that I made on time, but payment was erroneously sent to savings account instead of credit card. I spoke with XXXX XXXX XXXX regarding the situation and they filed disputes for me, but the information is still on my 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 2020-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused 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 2018-09-17
Company: EMG ACQUISITION GROUP, LLC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX XXXX started garnishing my wages at my work without getting a judgement. My work took out {$350.00} on XX/XX/2018 per XXXX XXXX request and sent them the payment, they again took out {$350.00} on XX/XX/XXXX and sent the payment to minute loan center. They only stopped garnishing my checks because I got laid off on XX/XX/2018 and have been unable to find work. I didn't know that XXXX XXXX XXXX could garnish my wages with out getting a court order. On XX/XX/XXXX I received a call from XXXX XXXX XXXX stating they had not received my payment from the garnishment and that they found out I was not working there, that same day I received an email receipt showing the payment. I didn't contact XXXX XXXX XXXX about being laid off because I thought my work would, that is how I found out it wasn't a garnishment with a judgement. How is this fair, what can I do about it? 

I did not know it was an option to sign the wage assignment form, I was told I had to sign it but was told that they wouldn't garnish my wages without getting a judgement, wish obviously isn't true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: PNC Bank N.A.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As of XX/XX/2023, PNC mortgage has increased monthly payments by {$65.00}. Require the bank provide email confirmation of this increase and the changes to escrow as per my federal requirements. 

Furthermore, I have requested the bank to provide information of mortgage payments as bi-monthly to reduce interest payments. That communication is also pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
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: Information belongs to someone else

Complaint:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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