BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have a Home Equity Line of Credit with Citizensbank. Prior to XX/XX/2019, I was able to transfer funds from the HELOC to my checking account at Citizensbank as needed and transfer funds back to HELOC to pay down the principal at any time. The interest payments on my HELOC are auto-debited from my checking account on the XXXX of every month. On XX/XX/XXXX ( 23 days prior to my interest payment of {$71.00} being due ), there was only one online option to transfer funds to HELOC when transferred funds to bring my outstanding balance outstanding to XXXX. My account online reflected this. 
On XX/XX/XXXX, while online, I noticed that my HELOC showed a balance of the amount of the interest outstanding ( interest that was still not due until the XXXX of the month ). 
I called the bank and they indicated that 1 ) they had changed the online interface and any payment will be applied to any outstanding interest first - then principal and 2 ) the only way to have a payment applied to Principal only was to call the bank. I was never notified of this change by the bank. This is deceptive and predatory tactic by Citizensbank - as interest calculations on these accounts are based on daily balances - so this change ensures that the bank essentially earns interest on interest that they have received earlier than it is due! Please help! This is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I recently learned from XXXX that a address located in Michigan was located on my credit report. I 've never been there, lived there or visited there. I do n't have family there that I know of. 

My drivers license have been stolen, my social security card also. The Social Security Admistration sent me a letter in XXXX and told to file a civil action law sue. 

IRS is aware of this fraud with my personal information. I need for First Tennessee Bank to provide me with all of my transactions on the account numbers that I am requesting. 
In the time the bank is allowed to go back from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was a victim of identity theft. My identity was used to open LIST THE ACCOUNTS HERE. I have no knowledge of these accounts and did not authorize these accounts. This has extremely affected my credit score and my ability to get approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: CITIBANK, N.A.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My best buy Citi visa had fraudulent charges made to it on XX/XX/XXXX in XX/XX/XXXX. I was contacted by Citibank Best buy regarding the fraud activity on XX/XX/XXXX. I worked with a best buy citibak XXXX  on that date to identify the fraudulent charges. 

It is now XX/XX/XXXX I have filed a separate police report about the issue. Citibank Best buy has no record of my fraudulent report from XX/XX/XXXX made with their rep. The fraudulent charges remain on my account without the ability to dispute them. I was able to get a shipping address from one of the merchants that I included in my police report. 

The merchants themselves were able to identify that the charges were fraudulent in some of the cases and reversed the transactions Because of inconsistencies in the IP addresses and the shipping addresses or something. 

I basically filing this report because I have already gone through the fraud dispute process with XXXX XXXX  Best buy Citibank and they have no record of it I contacted them again today on XX/XX/XXXX, but I now have extreme distrust in the process and just want to make sure that I'm not getting screwed over in the scenario.

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 2018-09-26
Company: CITIBANK, N.A.
State: IN
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:
Approximately 4 years ago in an attempt to stop paying so much interest, I made an agreement to pay off my citi preferred credit card balance by paying a set amount until it was paid off-0 % interest. A little over a year ago I called and asked if they would lower my payment. I was advised my payment could be lowered and that it meant the total that I owed wouldnt be paid in the original time that was set-not that there was a problem with that. Now, a year later they are calling me to let me know the balance will be due in full at the end of XX/XX/2019. When I made the agreement to lower my payment it was my understanding that they were agreeing to the lower amount until the debt was paid in full. Not, we agree to let you make lower payments and then surprise you will still owe us the full amount in the same time as the initial agreement. What sense does it make to agree to lower someones payment knowing in the end that they will still owe the same amount in the same amount of time? How does that possibly help your customer? Beware.

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 2019-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
My Capitol One card was stolen and an unknown person used it. I reported the charges to Capitol One and they sent me a new card. They credited the interest charges only and have not credited the transactions. This is harming my credit. I was a victim. The charges caused my credit to suffer and now I am waiting to apply for employment but can not because of my credit score being low when it was not before the fraud. By their own policy I am not responsible. Why aren't they crediting my card to reflect the true balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I see that these accounts are adversely affecting my credit report and costing me thousands of dollars in investment every year. I sent a letter to contact these inaccuracies on XXXX This is not a regular dispute at all. I have filed a complaint with ftc and the XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed now. I will not wait another 50 plus days to receive no response. I see that most of these companies are ignoring me. Section 611 simply states failure to investigate these items within 30 days gives reason to immediately remove disputed items from my credit report. It has been over 50 days so please remove it.

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 2017-07-05
Company: EQUIFAX, INC.
State: DE
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:
I filed Bankruptcy ( Chapter XXXX in XXXX 2010 ). It was reported to my credit report on XXXX 2010 and listed as fully discharged on XXXX X/2010 and Equifax X/2010. I know the rules of FCRA state that all negative information must be removed within 7 years, which I am at that expiration date. However on Equifax, it is four months past the 7 year period and the public record is still appearing. I have filed a dispute with no resolution. XXXX is also still showing and this is also past the 7 year mark. <P/>I want the information removed because it is a violation of FCRA. I know that most bureaus now install logic of 6 years 10 months to ensure that there is no violation of reporting negative information or public records past the required timing per FCRA. I am requesting your assistance to ensure my credit report and history is accurate and fair per my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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: Account information incorrect

Complaint:
i asked both companys to remove these inquirys from my report and they keep denying me yet they havent provided me with proof of each and every inquiry from my reportas required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is reporting incorrect info to my account.The account reporting is not my account... I have been an victim of identity theft.This account was open fraudulently.I never had this card.I want the opening this card investigated and removed from my consumer credit reports.I have contacted the police.I have filed a complaint with OCC about 3 times.I have also contacted the FTC.This is not my account.I never applied for this account in XXXXf i have to file a lawsuit aganist them in federal court.I will file a lawsuit.I want this removed from my account asap... I want this investigated.

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 2017-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
For sometime know whenever I 've tried to access my Credit Report they keep asking questions that has nothing to do with me.For Example : Mortgage Company that I have been with.I have never own or cosign for a home in my lifetime. This is one of the prescreen questions that has prevented me from accessing my credit report for the past 3 years.

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 2021-06-14
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Multiple issues with the company LOANCARE LLC. 

I started the COVID-19 forbearance in XX/XX/2021 ... yet monthly I receive statements from the services claiming I am behind in my payments which causes myself and my family unnecessary stress. 

They claim ease of online account for payments and documentation download however since my mortgage has been with them I have never once been able to use online despite resetting my password 20+ times over the years, forcing me to call in wait an obscenely long time to speak with anyone to get my issues 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 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
TransUnion XX/XX/XXXX XXXX email response to CFPB COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX ISSUE Incorrect information on your report, states : After reviewing your complaint, we are unable to process your request because we were unable to determine the nature of your dispute. In order to investigate information contained in your report, please provide us with the specific account name and number, and specify why you are disputing it. Please be advised, in the complaint you stated there were attachments ; however, there were none provided. 
Attachments have been repeatedly provided to CFPB and XXXX for the last 8 months. Result : resolution avoidance and still no effortless or otherwise means for temporary credit freeze lift. The XX/XX/XXXX CFPB entry apparently had an IT issue ( glitch ) and did not allow attachments. There were 3 attempts to attach. In addition to XXXX were XX/XX/XXXX XXXX and XXXX attempted attachments. To hopefully immediately rectify each of the 37 issues a copy of this XX/XX/XXXX CFPB new communication is also being immediately emailed to XXXX and XXXX. 

The 37 disputed items, unresolved for now 9 months, are again attached in files named : TransUnion XXXX XXXX XXXX DISPUTE and EXTREMELY URGENT_ OBSTRUCTION of Credit Freeze Lift and XXXX Adverse Account.pdf and TransUnion XXXX XXXX XXXX credit report 37 disputed items.pdf. 
Please resolve the 37 items. Best contact is XXXX. Please note CFPB again denied the upload of the above 2 files.  Please contact XXXX for these 2 uploads.

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 2017-07-05
Company: DISCOVER BANK
State: GA
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 'm having lots of problems with discovercard. I file complaints with the cfpb.gov, they respond saying it 's all been found in my favor and I should receive my money back for those unauthorized transactions but in fact my balance and the dispute outcomes remain unchanged. These charges I have no knowledge of are now 6 months old without my being reimbursed. They periodically reverse their dispute decisions not in my favor and that is inexplicable. I do n't want my discovercard online account to say anywhere on it that a dispute was n't found in my favor. I 'm at least {$2400.00} light at the moment I would like to be spending that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Almost 3 years ago, I was in desperate need of a loan. A friend told me about Title Max in XXXX, GA. I went in, explained that I needed {$4000.00}. They told me I qualified for {$7000.00} but they failed to tell me that I would probably NEVER be able to pay if off. No one explained that the full balance needed to be paid off within 30 days or that the interest rate was extremely high. I did n't discover that until almost a year into the My husband recently lost his job and I explained to Title Max that I could no longer afford to pay them as I am now the sole source of income for my family -- which includes XXXX kids in college. To date, I have paid TitleMax almost {$19.00}, XXXX on a {$7000.00} pawn. And the balance I owe now is MORE than I originally borrowed! I 've applied numerous times to have my case reviewed and my title returned and was told, " No ''. This seems blatantly immoral and illegal. I live in constant fear and stress that my vehicle will be repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: SLM CORPORATION
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Back in XX/XX/XXXX I wrote to Sallie Mae to try and find out why an account for them was showing up on my credit report. Sallie Mae sent me a Student Loan Final Disclosure but nothing with my signature on it showing I agreed to be a cosigner for my granddaughter. I recently spoke with Sallie Mae Fraud Department. They say that they have a conversation recorded by Sallie Mae speaking with me where I admitted I cosigned for my granddaughter and that they do n't need a signature from me. I asked Sallie Mae for a copy of the recording and they are refusing, saying that I need to subpoena their records. The Maine Attorney General 's office referred me to CFPB to see if I can get a copy of the recording.The loan was taken out XX/XX/XXXX and they say the recording is from XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Today I received a credit card and new account information for XXXX XXXX XXXX issued by Bank of America. I never applied for this card but it arrived today with my full legal name on it just so you know I never put my full name on any cards. Im not sure what to do. Im definitely not activating this card and am very irritated that this has happened 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 2021-06-14
Company: NATIONS DIRECT MORTGAGE, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I attempted to refinance with my existing mortgage company Nations Direct Mortgage and they were not able to meet or beat the rate I was able to get through another lender. I received a refund from Nations Direct XX/XX/XXXX and deposited the refund check on Saturday, XX/XX/XXXX which was the weekend close to the checks expiration. As with most people, I've remained home not traveling outside the home except for necessities due to Covid 19. XXXX XXXX XXXX XXXX XXXX returned my refund check because it expired before the next business day. I contacted Nations Direct and explained the issue and requested a replacement check from my them XX/XX/XXXX and was told a refund check would be processed. Since the initial communication, I've contacted this company 3 or 4 times each time the time required to have a check reissued has changed from 2 weeks, 30 days, 45 days. My mortgage is late on the XXXX day and if mortgage payments had not been paid within the timeframe I've been waiting for a check to be reissued, foreclosure proceedings would have been initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the fair credit reporting act XXXX  XXXX XXXX account XXXX XXXX has violated my rights reporting inaccurate information on my credit report. 

According to 15 USC 1681 section 602, which not only states I have the right to privacy, but also I have the right to accuracy and fairness of credit reporting.

According to 15 USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 16666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the fair credit reporting act convergent XXXX XXXX account XXXX XXXX has violated my rights reporting inaccurate information on my credit report. 

According to 15 USC 1681 section 602, which not only states I have the right to privacy, but also I have the right to accuracy and fairness of credit reporting. 

According to 15 USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 16666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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