BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I tried to purchase an XXXX w installments from a line of credit. I thought the line of credit comes through XXXX, but apparently it's Citizens bank. Citizens bank declined my application saying I have a poor history with them. I have no clue what they're talking about. I've never used them before in my life. I'd done XXXX payment for phones up until my last one and I'd never had any notice sent to me from XXXX suggesting I was not paying them for the phone. In fact, I'd had my phone usable and now available to have XXXX care until XX/XX/2019. I'm showing proof of these realities. None of these realities elicit any concern w citizens bank or nonpayment history. I'd gotten no mail, no emails, no notices of any kind for citizens and somehow Citizens says I have bad payment history them? It makes no sense. I get notices from apple pay within hours or days of any issue with my card, and I update it immediately and I'd seen charges for XXXX and bought plenty of apple products with no problem. I have thousands of dollars cash and not one credit card of mine has ever been late in payment. Why would I have a payment problem with Citizens?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Comenity Capital Bank issues and services the Orbitz Rewards Credit Card. 
The very first statement I received was on XX/XX/XXXX. 
The statement in the amount of {$890.00} was paid in full on XX/XX/XXXX, even though the payment due date was XX/XX/XXXX. 
On XX/XX/XXXX, Comenity Capital Bank or its subsidiaries initiated an electronic debit from my bank account for {$580.00} to pay for the CURRENT month transactions. 

Comenity Bank 's action to electronically pay {$580.00} for the current unbilled month credit card transactions was NOT authorized. However, even adding the current monthly transactions to XX/XX/XXXX, the actual amount owed on XX/XX/XXXX, was a negative amount at - {$480.00}. So where did this {$580.00} come from? 
Agents representing Comenity Bank insist that the {$580.00} payment was a statement balance and authorized. 

The industry standards for a revolving charge credit card account is that the credit card issuing bank gets paid the statement balance until the following months ' statement.

The action taken by Comenity Bank is non-standard and allows the bank to collect for current billed transactions which are not due to be paid until the following month bill due date.

Comenity Bank 's actions are NOT designed to protect consumers and are unfair business practices on the part of the credit card issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
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: Their investigation did not fix an error on your report

Complaint:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019, I, the consumer 12 CFR 1026.2 ( 11 ) XXXX, XXXX, XXXX fill out a credit application 12 CFR 1026.2 ( 3 ) ( i ) for Capital One bank. I extended my consumer credit 12 CFR 1026.2 ( 12 ) to Capital One. In the credit application, I provided my credit card 12 CFR 1026.2 ( 15 ) ( i ) and was approved for the extension of credit. Capital one then submitted to the consumer a credit sale 12 CFR 1026.2 ( 16 ) which the consumer fill out to complete the process. Since the date of opening the account, the consumer receives billing cycle 12 CFR 1026.2 ( 4 ) every month with the amount due for what the consumer spends on the credit card. Capital One gives the consumer a minimum payment due and the account balance to make a payment to, either suggestion on the consumer 's behalf. The balance increase until the consumer pays the whole balance in full to zero out the balance. I, the consumer have been paying the full balance for XXXX years now which would be false and misleading on the behalf of Capital One. According to 12 CFR 1026.4 finance charge is the cost of credit as the dollar amount. Capital One has been fraudulently misleading the consumer for years making the consumer pay the full amount of balances on his credit card. The consumer has caused a trauma amount of XXXX, XXXX, and money for the false and misleading information. The consumer demands a full refund from all payments made after the finance charge paid over the XXXX years of the opening account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Problem getting your free annual credit report

Complaint:
Was not allowed to acquire my free credit report online from any of the 3 credit agencies through XXXX. 

Was not able to dispute items over the phone from any of the 3 credit reporting agencies. They kept shuffling us off to other uninformed agents and we were hung up on continually. They have NO ACCOUNTABILITY.

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 2017-07-12
Company: GOLD STAR MORTGAGE FINANCIAL
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Summary : I several times applied for the PMI cancellation, strictly following the procedure described in the closing documents, however, the Gold Star Mortgage Financial Group, XXXX XXXX MI, did not even respond my letters. <P/>1. I closed purchasing the house on XXXX XXXX XXXX. The property price was {$120000.00}. The conventional mortgage for {$110000.00} ( which is 95 % CLTV ) had been provided by the Gold Star Mortgage Financial Group, Inc. <P/>2. Upon received the closing disclosure on XXXX XXXX XXXX I found that the PMI monthly payments had been suddenly and significantly elevated compared with the figures disclosed before. My objections were ignored. <P/>3. To avoid paying this elevated PMI, I chose to prepay {$18000.00}, to reduce the principal lien to {$100000.00} and accordingly the CLTV to 80 %. To achieve this, on XXXX XXXX I sent a letter to the Lender with a check for {$8800.00} and informed them that on XXXX XXXX XXXX I would send them another check for {$9900.00} and requested to cancel mortgage insurance. The Mortgage Insurance disclosure signed at closing explicitly claimed my right to demand the PMI cancellation once the principal debt ( $ XXXX $ XXXX $ XXXX {$100000.00} ) reduces to 80 % of the original purchase price ( $ XXXX*80 % = {$100000.00} ), which occurred prior to XXXX XXXX XXXX. <P/>4. The Lender did not address my request, they even did not clear checks for a while. On XXXX XXXX I sent another letter, reminding about my right to partially prepay the principal with no penalty. After this the checks were cleared, however, there was no motion with the PMI cancellation. Upon my visit to the Lender 's office, on XXXX XXXX I sent a third letter to the Lender, to emphasize that their position and a wish not to do anything with the PMI directly contradicts to the closing documents. However, still there is no motion about the the PMI cancellation. <P/>I am attaching only my letters to the Gold Star Mortgage Financial Group. The closing documents look standard, however, can be sent upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
During XXXX XXXX XX/XX/2020, my mortgage company ( XXXX ) allowed forbearance, due to the pandemic. I was granted forbearance during XXXX, XXXX, and XXXX. In XX/XX/2020, I paid the past due amount and became current. I notice that my credit score was reduce because it didn't show that payment was received by my mortgage company during the months of forbearance ( XXXX ). I told Transunion the reason I did not make the payments and they refused to add my credit score back to where it had been.

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 2022-02-12
Company: Experian Information Solutions Inc.
State: IL
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:
I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX XXXXXXXX to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still don't know how or where this debt has been verified. I'm aware that these are both FCRA & FDCPA violations. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX XXXXXXXX or the credit reporting agencies. I also have certified receipts from USPS for the letters I have been sending since XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX XXXX XXXX. 
I specifically requested an account that does not authorize any overdraft. I want payment to be declined instead of pushing me into " the red ''. The TD Bank who opened the account assured me this was the case. Since then i have been charged thousands in overdraft fees. I was blatantly lied to when opening the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting incorrectly to Equifax a collection of {$2500.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The balance is wrong. I returned all of the equipment back to XXXX and therefore there is no outstanding balance to report. This account needs to be removed from collections. This false reporting of a collection is seriously harming my credit score. I have contacted the bureau to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original debt was a judgement from XX/XX/XXXX. It was assigned to XXXX XXXX XXXX a year later. During my home purchase in XX/XX/XXXX, escrow reached an agreement with XXXX XXXX XXXX for {$4000.00} and paid the agreed balance as part of escrow. However, they have refused to close out the debt. We recently, XX/XX/XXXX, requested a validation of debt. They validated the debt and showed an increased balance due to interest. They refuse to remove the debt even though it is over seven years old. In addition, they have updated my credit report to show the discharge date in the year XX/XX/XXXX. Lastly, in XX/XX/XXXX we sent court documents verifying the debt is satisfied with the courts and have not received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the previous written requests sent to Transunion, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of this account. It is unacceptable to continue reporting this account as unconfirmed information without producing proof within the time allowed by law. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I'd like you to remove the late payment from this account ASAP : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08
Company: CITIBANK, N.A.
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: Privacy issues

Complaint:
XX/XX/2019 I received a Balance Transfer offer and preprinted checks from CITI for my master card. However, I also received balance transfer offers and checks for two other consumers in the same envelope. I called and spoke with CITI regarding this matter on XX/XX/2019 expressing my concern that the two other consumers or any other consumer may have received my balance transfer information and checks which have my name, address, last four digits of my account number etc .... They did state that no activity had occurred on my account and to remedy the issue they asked me to send back the offer checks for the other consumers that I had received. It wasn't until I requested a freeze on my account that anything protecting my information was done.

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 2022-08-10
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act all XXXX Accounts that doesnt have my correct information has reported incorrected information is a violation to my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason My corrected Informtion is Name : XXXX XXXX XXXX Birthday : XX/XX/1979 Social Security # : XXXX Address : XXXX XXXX XXXX MI XXXX Phone Number # : ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have to XXXX XXXX set up my paperwork from # XXXX national credit adjusters   address XX/XX/XXXX XXXX XXXX XXXX XXXX ca XXXX I agreed it XX/XX/XXXX to XX/XX/XXXX final XX/XX/XXXX someone called me bother stop finance and chase to that like try threat XXXX and let you know it I take now set up please stop me bother us I am XXXX only my car sleep is rough thx

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Fidelity National Financial, Inc
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
To Whom It May Concern, XX/XX/XXXX my Dad passed away unexpectedly. I am the Personal Representative of his Estate ( Letters Testamentary attached ). We determined it best to sell my Dads businesses and it is that sale that I am writing you about. As the Estate of XXXX XXXX, we were half owners of the businesses per the Operating Agreement ( I have included the Operating Agreement ). We were excluded from all aspects of his businesses, financials,  distributions and the closing, which XXXX XXXX, the Real Estate Broker ( XXXX XXXX XXXX ), XXXX XXXX Attorney XXXX XXXX and the Title Company orchestrated closing a day early and did not notify or disclose to the Estate or update the disclosure documents ( attached ). I called and emailed Fidelity National Title ( email attached ) requesting the location of the closing and letting them know XXXX XXXX does not have the authority to represent the Estate.  As a matter of fact, XXXX XXXX 's email confirming the closing date of XX/XX/XXXX is attached. The day after the secret closing the Estates attorney had me sign a document stating XXXX XXXX could sign on the Estates behalf, which is dated AFTER THE CLOSING OCCURRED and after XXXX XXXX dated the closing documents. The Estates attorney told me if I did not sign that the deal would not close. XXXX XXXX left the closing with the Estates proceeds, forcing the Estate to take legal action and incur extensive legal fees. 

Please also note on the Fidelity National Title Sellers Settlement Statement the Closing Date and Disbursement date are listed as XX/XX/XXXX, yet the signatures of XXXX XXXX, XXXX XXXX Fidelity National Title, and XXXX XXXX are all XX/XX/XXXX. The Disclosure document was never updated and the Estate of XXXX XXXX was never updated or notified. 

I believe kickbacks and fraud are why the Estate was excluded from the closing and why the closing was performed in secret and moved up a day early. 

Sincerely, XXXX XXXX PR, Estate of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
PLEASE DO NOT MARK AS DUPLICATE, I HAVE VERIFICATION. XXXX XXXX should be listed as paid in full for less than the full balance. My account should reflect a 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