BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2020-02-14
Company: Fay Servicing, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for and opened a mortgage with a mortgage company. Fay Servicing was hired to service the payments. I tried on two occasions to pay my payment, weeks in advance of the payment due date. I learned 2 weeks into the first payment period with Fay, that my payment was not received and that I was charged a late fee. Fay Servicing informed me that they could not take electronic payments. Every other credit card and mortgage company that I currently pay, more than 10 mortgages and 5 credit cards, takes electronic payment from my bank. I explained and offered to show that payments were made through my bank bill payer system, and were later rejected ( after I learned that they payments had not been processed ). I asked for a refund of the late fees, since I had no way of knowing that Fay would not take payments from a national bank, like every other mortgage and credit card company. How would anyone know that Fay, or any company, will only accept paper checks, without prior instructions? This is a predatory practice of forcing unfair late payments. A new mortgage takes a great deal of work and costs thousands of dollars. I can not simply find another mortgage company or processing company and I am forced to pay late fees, which are also higher than any other mortgage company that I have worked with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have tried to close my XXXX XXXX account with XXXX XXXX multiple times. My first time closing the account was at the end of XX/XX/XXXX, and I have tired closing it two additional times this most recent time is last Wednesday XX/XX/XXXX. I have not made a purchase using this card in over a year. The XXXX store no longer exists When closing the account I call the company and they assure me that everything is taken care of. After getting the confirmation over the phone after each account closing conversation, I continue to receive paper billing from XXXX and notifications about due payments. This has repeated itself from XX/XX/XXXX-now. When I receive these notices I call XXXX and they clear the charges and ask for the account to be closed. Then the cycle begins again with me getting notices about account payments. Now, my credit score has been effected. XXXX XXXX has filed a late payment on my credit history and my score has dropped. Not only has this been a nightmare of something to deal with, but now my credit score has dropped. I would like this to be corrected, and I would like to know if I am able to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Citizens Bank requested a hard Credit Inquiry without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: EQUIFAX, 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 been disputing the issue with only Equifax about a car loan I never own on my credit report for the last year. I ask for proof of signature from equifax and other information how are you verify the account is mine when I never own this car and why are you the only credit bureau showing this account. I have a XXXX XXXX and Im trying to buy a house but no will approve my loan due equifax wont do they home work and verify the situation. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: GMA Investments, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
There is a " XXXX XXXX '' who repeatedly called me over a 24 hour period when I told him not to. He then called my former employer and threatened that he had to speak to me over a legal issue and that they needed to provide my information including when I had worked there. I called him after they told me he was harassing them and told him to call me directly and not to contact them, and he in turn continued to contact them and sent them a letter asking about my employment there. He continues to contact them and harass them at their place of business after they told him I do not work there anymore. 

His number that he left is XXXX. You can contact me at anytime to confirm the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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: Their investigation did not fix an error on your report

Complaint:
I have made sure to make my payments on time for CAPITAL ONE with the account number XXXX. This account should not have a late payment status in my record. Make sure to provide me any documentation about the late payments being done on the months indicated in the report. 
CAPITAL ONE XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received an offer from " Citibank Priority Savings '' to get {$700.00} to open an account with $ XXXX and keep it there for three months. That was up on XX/XX/XXXX and I got no money. After a couple weeks, I contacted them thru their chat and was told it takes up to 3 months " for processing. '' ( How much time does it take to credit an account!? ) So that put is at XX/XX/XXXX. In XXXX, still no money. Did another chat, they started a dispute. Dispute was " resolved '' by saying they were not aware of any such offer. Called XX/XX/XXXX and explained the situation. Asked for a supervisor. Said, " Give me the {$700.00} or close these accounts and get me a cashier 's check TODAY. '' He said that was not possible and then hung up. 

They must be held accountable for this bait and switch.

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 2017-12-30
Company: SLM CORPORATION
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
In XXXX we paid college loan amounts on our son and daughter to XXXX for {$79000.00} and Sallie Mae for {$26000.00} This is {$100000.00} dollars with probably XXXX or XXXX as much in late fees and interest. It took all of our savings. My daughter had some left {$20000.00} left that we could not pay and they are coming after her with late fees and wants {$250.00} a month and said she was in default. She has struggled to find a job in her field and the money she has made goes to her living expenses. This is not fair. At this point we wished we would never of even sent them to college. We raised good kids and to send them to college should not of taken all of our savings and caused her this much stress. I see people doing better that do nothing and live on welfare. We definitely picked the wrong loan company but do n't know what to do now. It has ruined us and now we have to worry about this all over again. She has government loans she is paying back but they are willing to work with her. Sallie Mae is not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: PA
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:
Originally I contacted XXXX XXXX on XX/XX/2021 with an Cease and Desist for them to stop violating my consumer rights, by posting late payments on my credit report, sending me bills witch are in a positve balance and using deceptive means to make me believe I owe a debt. They were harrassing me and causing me mental stress. XXXX XXXX responded by closing my account and illegally reporting negatively to the consumer reporting agencies. I also sent them an Affidavit of Truth with my Exhibits on XXXX. They never repsonded to my Affidavit with an Affidavit which now puts them in Default. On XXXX I sent them a 2nd Affidavit with Exhibits and an invoice for federally violated consumer rights. Im demanding that they give me my specified remedy and pay my invoice. I will follow up with litigation.

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 2022-02-14
Company: EQUIFAX, INC.
State: PA
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:
Originally I contacted XXXX XXXX on XX/XX/2021 with an Cease and Desist for them to stop violating my consumer rights, by posting late payments on my credit report, sending me bills witch are in a positve balance and using deceptive means to make me believe I owe a debt. They were harrassing me and causing me mental stress. XXXX XXXX responded by closing my account and illegally reporting negatively to the consumer reporting agencies. I also sent them an XXXX  of Truth with my Exhibits on XXXX. They never repsonded to my XXXX with an XXXX  which now puts them in Default. On XXXX I sent them a XXXX XXXX  with Exhibits and an invoice for federally violated consumer rights. Im demanding that they give me my specified remedy and pay my invoice. I will follow up with litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
In the XXXX XXXX time frame, a U.S.-based major financial institution erroneously reported to one or more bureaus that I was dead. 

In XXXX and XXXX XXXX, I repeatedly called this bank 's revolving credit servicing center to object to this instance of credit reporting, and to question the account closing on that basis. 

A late charge was waived ; but in every phone call during XXXX and XXXX XXXX, the creditor continued to deal with me via the calling queue for decedent affairs. 

[ The same false instantiation of bureau reporting ( " XXXX '' ) also states : " Never late. '' ] The fact of this report appearing in the public sphere has caused eight months of financial adversity ( unemployment/underemployment, due to background checks asserting " candidate is XXXX '' ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/17 I received an email notification from Capital One confirming if a XXXX purchase on a credit card was valid.  I asked my husband about this since it is his credit card and he then realized that he lost his wallet.  I then called Capital one immediately and told them that the credit card was lost.  I check another credit card and that also had a XXXX charge of over $1000.00 on it and called XXXX XXXX and told them about it.  I also called XXXX XXXX and XXXX XXXX to notify them of it.  No charges were on those two.  Only unauthorized charges were on the Capital One and XXXX XXXX.  Capital one put a hold on the charges back inXX/XX/XXXX and reverse the charges.  I received two letters dated XX/XX/17 on XX/XX/17 from Capital One stating that they did not find any indications of fraud and it now charging us the XXXX that wants us to pay for it.  I called on XX/XX/17 and spoke with someone from Fraud department and they said that only the person who handles the case can re-open it.  I left a voicemail message on XX/XX/17 and was told I would get a call back in 2 working dates.  As of today XX/XX/17 I have not received a call and call back and left another voice mail message and hope that they would call me back.  I am filing a complaint now so that someone can help me out. The Fraud person I spoke to on XX/XX/17 stated that it could not be a fraud because the credit card machine was a chip card and it could not have been a counterfeid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I FOUND THAT I AM VICTIM OF FRAUD ON XX/XX/XXXX WHEN I ARRIVED TO INSPECT MATERIALS FOR LOADING AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ON XX/XX/XXXX ABOUT XXXX TO XXXX PM BECAUSE THERE IS NO EXISTANCE OF XXXX XXXX XXXX. WE CALLED OUR BANK CHASE JP MORGAN FOR RECOVERY OF OUR AMOUNT FROM ACCOUNT # XXXX ( THIS ACCOUNT IS SCAMER ACCOUNT ) BUT THE TOLD US THEY ARE UNABLE TO HELP US.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX billed my health insurance 3 times for 1 XXXX test with 3 different account numbers commiting fraud turn over two credit collection agencies contacted consumer financial protection bureau for investigation was removed immediately by XXXX and their fraudulent collection companies here they are again with radius global solutions for the same account that was paid by my health insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: ALLY FINANCIAL INC.
State: GA
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:
On Thursday XX/XX/XXXX I had went to a car dealership that I wanted to buy a car from. I advised them that I only wanted my credit ran once being that I am in a process of buying a home. The man by the name of XXXX XXXX that works for XXXX XXXX XXXX advised me it will only be ran once. The very next morning that I woke I saw my credit was ran 6 times which is unfair to me as a consumer because I was never advised that my credit will be ran 6 times. I need to know what steps I need to take to correct 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 2017-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
On ThursdayXX/XX/XXXX I had went to a car dealership that I wanted to buy a car from. I advised them that I only wanted my credit ran once being that I am in a process of buying a home. The man by the name of XXXX XXXX that works for XXXX XXXX XXXX advised me it will only be ran once. The very next morning that I woke I saw my credit was ran 6 times which is unfair to me as a consumer because I was never advised that my credit will be ran 6 times. I need to know what steps I need to take to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
BBAV compass is chargin XXXX dls to cash every single check that totaling XXXX dls or more, I did a complain and they call me and tell me that if I do n't wan na be charge, then I have to open an account, is that even legal? The person whom told me that is XXXX XXXX Retailing executive at XXXX XXXX, a ) is n't illegall to retain money from a payroll check? B ) they do n't have a legal receipt for that fee, they charging and do n't have a proof of that c ) they want you to open an account to avoid that fee. And also told me that every single bank is doing the same

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
XXXX acct. # XXXX under title XXXX XXXX same as account this contracwas fixed count # 1 XXXX XXXX XXXX XXXX XXXX, count # 2 XXXX XXXX XXXX XXXX XXXX, count # 3XXXX of XXXX XXXX, count # 4 XXXX of XXXX XXXX XXXX t/a XXXX XXXX, count # 5XXXX of XXXX XXXX XXXX, count # 6 XXXX XXXX XXXX, # 7 XXXX XXXX XXXX, facts and evidence warranted

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 2020-02-14
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: Information belongs to someone else

Complaint:
In XX/XX/2016 I got my monthly bill from my Citibank credit card and it included fraudulent charges. The fraud was clear : dozens of charges from {$5.00} to {$25.00} for rides on XXXX in XXXX XXXX over several days in XX/XX/2016. I'm a XXXX XXXX and I was XXXX XXXX in XX/XX/2016 in the USA. I immediately called Citi. The person I talked to on the phone was told me that the charges were clearly fraud and that I should pay the portion of my bill that i was responsible for ( {$430.00} ) and assured me the rest would be removed from my bill. 

Citi issued me a new credit card. I never again used that card. 

The XXXX charges in XXXX XXXX were eventually removed from my bill, but not until the bill for XX/XX/2016, at which point I cancelled the card and closed my account. 

I checked my credit report in preparation for applying for a mortgage and was told that I have 4 instances of late payments on this City card between XXXX and XXXX that were all due to these fraudulent charges.. I called Citi three times trying to get them to remove the late payment marks or, at the very least, send me my billing records so that I can make the case directly to the credit bureaus. This mistake will cost me as much a 1/4 point in my mortgage if it is not cleared up by 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 non-monetary relief