BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-12
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I tried to pay off my Citi credit card in XXXX and got a check from my credit union to pay off the balance. I sent in the check with the payment coupon on XXXX/XXXX/2016. I checked a few days later and I still had a balance. I waited a few more days and checked back, still no payoff. I called and was told it would take 7 - 10 days to post, to call back then. I kept checking and nothing. Finally near the end of XXXX I called the credit union to put a stop on the check and was told it was cashed by Citi on XXXX/XXXX/16. I called and emailed a dozen times and still got nowhere. I sent a copy of the cancelled check and was told it would take 30 days to research. Finally the check was located on XXXX/XXXX/16 and kept checking to see if it was posted. I called last night and was told it would take 30 days to post to the account. That is 60 days from the date I sent the payoff check. In the mean time I am accruing interest and having to make payments to stay current while the " find '' my lost check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-25
Company: DISCOVER BANK
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX, I took out a Discover student loan to attend graduate courses at XXXX University. In XXXX, I dropped down to less than half time due to health issues, and the loan went into repayment without my knowledge. Discover sent me an email saying they were going to charge off my loan on XX/XX/XXXX. But then the charge-off never happened. Now they are sending me emails saying they want to charge it off now. I went online to look at my credit report, and the company only has the loan information from XXXX on there. Theres no missed payment information from XXXX. 

I called the company once before to discuss this, and they were threatening me over the phone, so I decided to never contact them again about it since they dont want to help people. I was struggling with health issues, wasnt working, and couldnt afford the payments. ( I was staying with my boyfriend at the time who was supporting me. ) They just want to bully and intimidate you into giving them money that you dont have. 

My first missed payment was in XXXX or XXXX I believe, after I had dropped down to part-time. 

I believe the company is dragging out the process as a deceptive practice to buy them more time to collect from me, as the statute of limitations is 7 years, which their 7 years is already up if the repayment started in XXXX. 

Attached is an email I found from XX/XX/XXXX saying that I had a missed payment. I know I had some starting in XXXX or XXXX though. Also attached is the email from them saying they were going to charge off the account on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Original Creditor : ) XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2022-06-16
Company: EQUIFAX, INC.
State: AP
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX In accordance with the Fair Credit Reporting and XXXX  Account has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. It states a consumer reporting agency can not furnish a account without my written instructions. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX accordance with the Fair Credit Reporting and XXXX  Account has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. It states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AP
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX In accordance with the Fair Credit Reporting and XXXX Account has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. It states a consumer reporting agency can not furnish a account without my written instructions. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX accordance with the Fair Credit Reporting and XXXX  Account has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. It states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-16
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I have been using this company since XX/XX/2022 when i first started with XXXX XXXX and my bi weekly checks are always deposited on time by XXXXXXXX XXXX XXXX  on XXXX. The check was not deposited yesterday and have tried frantically to have corrected by the company but they refuse to help. I have a direct deposit of {$910.00} which they now have of my money and I want the money located and deposited to my account immediately. This company has no right to withhold my money. Have also contacted by employer to stop any further direct deposits and to get more information on the direct deposit to see if they can aid in recouping my money from my payroll check. This company does not care about their customers and does not answer emails or respond to calls. I want my payroll money and will escalate this to further agencies if needed.

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 2021-11-05
Company: Veros Credit, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I as a consumer and natural person am being accused of owing a alleged debt. I sent them a notice to cease and desist as well as a full satisfaction of claim in good faith on the dates of the XXXX and XXXX of XXXX in which they have yet to send back to me or satisfy. They continually dishonor my cease and desist notice by sending me statements that I owe as well as harassment while im working by continued phone calls. These pratices are unlawful and violate my rights as a consumer. As a result of these practices, I am distressed and my peace of mind has been taken. I am planning on sending them another affidavit to request the original instrument of indebtedness as well as a final notice in good faith to stop all collections activity until all demands in the notice have been rebutted. It is a Fact that I am a federally protected consumer and it is my right to enforce my rights by the XXXX XXXX XXXX XXXX. They still have 30 days from the intial notice of the affidavit of truth enforcing full satisfaction on XX/XX/2020 to do what is right and lawful as stated in UCC 3-311. Still they have violated my rights as stated in 15 U.S.Code 1692c, that after a notice they can not continue to harass me over a alleged debt. I send this complaint to make aware of the practices of VEROS CREDIT LLC which I allegedly owe in hopes to protect other peoples peace and personal information. I also have reason to believe that they unlawfully share false information and have not offered me a option of disclosure of my personal information as my data and information are very valuable to me and I perfer to keep it private. They have made multiple attempts to pull money from my bank account in which I didnt have enough money and left me in overdraft. This is effecting my living situation and my social and financial stability and is considered abuse to me. It is likely that they used my personal information to imply that I gave them authority to pull money out of my account. There has been more then 27 missed calls since the initial notice to cease and desist on the date of XXXX of XX/XX/2020. Please I ask of you to investigate the lawfulness of there practices for I do not wish to file for arbitration however if it is nessasary and these practices continue on there behalf, I will have no choice but to take legal action and demand further remedy. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: United Shore Financial Services, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This complaint is against United Wholesale Mortgage , LLC. Since XX/XX/XXXX, I have had a mortgage financed through this corporation. I have never missed a payment to date. I receive calls on a daily basis, sometimes multiple calls within a XXXX hour period. I receive calls despite never being more 30 days past due on a payment. I receive calls starting on the XXXX of the month ( due date ), even though the terms of my mortgage allow for payment up to the XXXX of the month without incurring a late fee. I have never been so harassed by a single company in my entire life, and I deeply regret having ever obtained a mortgage through this company. It is undue harassment given that I make all my payments. Today, XX/XX/XXXX, I received yet another robocall stating this is an attempt to collect a debt ( which is inappropriate given I have until the XXXX under the terms of my mortgage schedule to make a payment and I am up to date on all required payments. I told the representative today that the monthly balance for XXXX ( which can be paid without a late fee until XX/XX/XXXX ) would be paid. If I receive another call within seven days of my communication with UWM about this months payment, I expect action to be taken based on the CFPBs own policies under the Fair Debt Collections Practice Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I Filed a complain with XXXX complaint XXXX. I have an account with td bank for a XXXX I purchased through ramour and Flanigan. I paid down balance from XXXX to XXXX and apparently they said there was deffered interest and amounted to about XXXX. I was set up on XXXX and didn't receive notice/ statement that this was going to happen or I would of just paid it off. I called company and they said there is nothing they can do. I have to pay the XXXX deffered interest charge plus the interest of XXXX dollars a XXXX it was charging. I just feel if there was deferred interest they should send the XXXX statements in the email but instead it just emails you saying a payment is going to come out and doesn't say anything has changed. I looked up td bank and they have XXXX of complaints of similar stories online. 

XX/XX/XXXX charged XXXX}, XX/XX/XXXX charged XXXX, XX/XX/XXXX charged {XXXX}, XX/XX/XXXX charged XXXX, XX/XX/XXXX charged XXXX, XX/XX/XXXX charged XXXX XXXX : XXXX I have since paid off everything owed but this interest left on account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am experiencing severe anxiety due to the inaccurate late payment that is appearing on my account, despite the fact that I have always made my payments on time. This issue is affecting my ability to sleep and is causing me significant distress. I implore you to take urgent action to update my account and remove the erroneous late payment from my record as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chime took money out of my account twice. Then retaliate when I complained. The dispute department lied in documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2021-07-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My repayment plan month amount was {$0.00} but they show on my credit report that I never made a payment, delinquent and sent to collections. I could not have missed a payment because it was {$0.00} and I did not need to submit anything each month. But my credit report shows that these loans were delinquent and sent to collections even with me disputing this information numerous time.

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 2021-03-31
Company: SYNCHRONY FINANCIAL
State: VA
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:
I have paid the debt and asked if they would remove the collection from my credit report. They told me that i would have to deal with it for 7 to 10 years and there was nothing they would do about it. I was polite and am trying desperately to buy a home and can not with this on my report. Its killing my credit which is already so hard to build. I didnt even know i still owed on the account. I thought it was automatically paid. The balance is now XXXX and still wont remove the collection

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 2018-03-02
Company: BBVA FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my BBVA checking account on XX/XX/2017 to take advantage of an online offer the bank was promoting. The promotion details can be found below. I met all the requirements and contacted the bank via their secure messaging system. Each time, they tell me to visit a branch, however this was not part of the promotion and there are no branches near me.

You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus.

Eligible accounts include BBVA Compass ClearChoice Interest Checking, BBVA Compass ClearChoice Free Checking, Clearconnect Checking, and Easy Checking.

Eligible accounts for residents of AL, AZ, CA, CO, FL, NM, TX include BBVA Compass ClearChoice Free Checking, BBVA Compass ClearChoice Interest Checking, ClearConnect Checking, and Easy Checking.

Only BBVA Compass ClearChoice Interest Checking and ClearConnect Checking are eligible accounts for residents of all other states.

Offer is valid for accounts opened in branch, online, or by phone Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.

The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. The account must be open with a positive balance at the time the bonus is deposited.

All bank account bonuses are treated as income/interest and as such you have to pay taxes on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Telsa Motors Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a brand new Tesla XXXX XXXX XXXX back on XX/XX/2023 and put down XXXX XXXX  for the XXXX loan done through Tesla app. However, I just noticed that it's only showing that I only put down {$10000.00} with a monthly payment of {$550.00}. The remaining {$4700.00} is missing is not reflected on the loan or the monthly payment.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: CITIBANK, N.A.
State: UT
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:
XXXXXXXX XXXX client XXXX XXXX is a victim of identity theft. His information was used without this consent to apply for several credit cards. While no accounts were established the fraudulent applications left inquiries on his credit report that have a negative impact of his credit information. The applications were submitted to CBNA/Best Buy XX/XX/XXXX, XXXX credit card XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Official disputes were mailed certified mail with return receipt to each office on the same date XX/XX/XXXX, as of this date none of these offices have replied to my client to the status of these disputes. This is a violation of the FCRA and my clients federal consumer rights.

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 2017-10-14
Company: EQUIFAX, 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:
Identity theft XXXX XXXX XXXX XX/XX/2013 amount XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB, and the state of Minnesota Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Transunion Corp., No95-6145 ( C.D. Cal. Nov 14, 11995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation