BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-20
Company: U.S. BANCORP
State: VT
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
My wife, XXXX XXXX, received a debit card from USbank ReliaCard in the mail. It is for unemployment benefits from the State of Ohio. She has never lived in Ohio. She is not unemployed, and has never applied for unemployment benefits. The State of Vermont ( where we are residents ) told us this represents identity theft. Repeated calls to USBank have been fruitless. Its website has not been helpful. Today, as I write this I have been transferred to an unhelpful menu and been on hold for 25 minutes so far.

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 2017-08-09
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Money is being taken by Huntington and applied to interest on my loan when it should be applied toward the principle balance. I have made many, many.. many attempts to have this corrected, yet it is not. After going through this process for several months it was " corrected '' though XX/XX/XXXX. I called around XX/XX/XXXX asking for the payment I had made on XX/XX/XXXX to be corrected as it was not applied correctly. I was told it would be. On XX/XX/XXXX I called again because even though there were some changes made, the funds were again re-applied incorrectly. I was told, again, that it would be fixed. I called yet again on XX/XX/XXXX and have not received any type of response from the company, and the funds are still incorrectly applied- which is a fancy way of just saying they are blatantly keeping my money. Everything is a mess here- they are keeping money that should be paid toward principle, that is obviously affecting the interest calculation which costs me even more money, the numbers do not even match with their own amortization schedule, and the amortization schedule itself does n't even look right, though I 'd need to calculate everything manually to be sure. At this point it 's nearly impossible to say the exact amount I rightfully owe, or how much they owe me, and that 's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: EQUIFAX, INC.
State: FL
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 SUBMITTED DISPUTES TO VALIDATE THE FCRA VIOLATION PER INCORRECT CREDIT ACCOUNTS LISTED ON MY CREDIT REPORT. THE CREDIT AGENCY REFUSE TO REMOVE THEM EVEN AFTER PROOF WAS PROVIDED TO THEM THAT THESE ACCOUNTS WERE IN ACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Duncan Solutions, lnc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX, I initiated an appeal concerning late fees and administrative fees imposed by XXXX. During this process, XXXX informed me that it could take up to 60 days to dispute these charges. In an effort to address the matter, I also reached out to the ombudsman via email. Unfortunately, without my knowledge, the appeal was forwarded to a collections agency PAM ( professional account management ) - XXXXT XXXX XXXX XXXX XXXX, New York XXXX in XX/XX/XXXX. To date, the collections agency has not provided any evidence of the debt, nor have they made any attempts to contact me regarding the matter. Despite my formal request for a letter of validation on XX/XX/XXXX, I have not received any correspondence from them, which has now exceeded a six-month period. The unresolved situation is severely impacting my ability to register my vehicle and is significantly disrupting my life.

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 2018-07-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I logged in into my Citibank account on XX/XX/2018, in attempt to pay my monthly payment before the due date ends. However, my attempt to pay the monthly payment was prevented due to a server error in the processing. I tried to make the payment again, five minutes later, but was unable to due to the same error. I did not tried a third time, in fear that it might locked my account. I repeated the same thing on XX/XX/XXXX and on XX/XX/XXXX, and the results were still the same ; my payment was prevented due to a server error. The issue was resolved today, XX/XX/XXXX, in which, the error did not occur. Since it was after the due date, I was charged {$35.00} due to having a late payment, which was not my error, but Citibank 's. I have a photo of the error, if you guys need it. Thank you.

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 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts and late payments are currently being reported. I have request them to be removed on multiple occasions via mail. 
Must recent being XXXX, XXXX, XXXX and XXXX of 2020. 
XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Ive tried time and time again to get this removed off my credit it keeps reporting as if the account is still active. It's destroying my credit. Im having serious problems obtaining new credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20
Company: LDF Holdings, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for what I thought was a payday loan for {$1000.00}. I have paid already a little over {$1200.00} back. They take {$300.00} out of my check every two weeks. I called this morning to find out I still owe a little over {$1500.00}. They stated I signed up to pay over 20 payments of {$300.00} for a total of over {$6000.00}. It is XXXX percent loan. I would have never signed up for that. I also thought it was illegal to do so in Ohio. I needed a temporary loan to pay my rent. I thought today would have been my final payment. Now I see I owe more and have over 16 {$300.00} payments left. I did have them stop taking money out of my account going forward. This can't be legal. I have more than paid this loan back and now they may come after me for thousands of dollars during a pandemic. Is this legal? I also noticed I can't even get another loan. When you try to go back and apply it states they are no longer doing loans. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Velocity Portfolio Group
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Velocity investment LLC trying to collect on a wrong debt. The debt is suppose to be {$8200.00} and they are reporting on {$13000.00} and I wrote them letters for deletion! They failed to do so.

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 2021-08-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent {$850.00} to XXXX XXXX via XXXX on XX/XX/2021. I XXXX money for a section at the XXXX XXXX for my birthday XX/XX/2021. The night of my birthday XXXX contacted me the club had been shut down and a refund would be issued shortly. I waited 2 months for a refund. Every-time I contacted him about the status of my refund he would give me reasons/excuses that didnt add up. When I told him I would be pursuing legal action he responded be saying there was nothing he could do regarding my refund as the club had a no refund policy. Its ironic that he told me that when he originally said I would receive a refund a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Incorrectly is still on my credit report ; Please remove the accounts as requested previously. All of these were already dismissed via XXXX claim etc // Should've been removed YEARS ago. 

Thank you for your help.

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 2022-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
In accordance with a fair credit reporting act [ XXXX XXXX # XXXX, XXXX XXXX XXXXXXXXXXXX BK OF AMER XXXX  XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I reviewed a report from XXXX XXXX XXXX XXXX XXXX. I do not think they used the correct information when I applied for a loan with them. My Credit score shows XXXX on the disclosure they sent. I have monitoring and the score is XXXX. I do not think they used updated and accurate information and that may have cause a higher interest rate. I would like this looked into. They should be following proper Procedures.

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 2020-11-20
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: Investigation took more than 30 days

Complaint:
I sent letters to the credit bureaus because I have inquiries that I didn't authorized,, and negative accounts that should not be on my credit report. i want to open an investigation about my case and solve my problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
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:
Under the new law effective XXXX XXXX, 2017 any public record data must include name, address and SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: WELLS FARGO & COMPANY
State: NC
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:
Wells Fargo claims I owe an amount of {$7900.00} when in fact they sold the vehicle for much more and have already been paid for this vehicle. I would like to be provided validation or contract from this company. They have sold this debt to another company who are now getting paid as well. I would like this account moved permanently from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-03
Company: Experian Information Solutions Inc.
State: PA
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 have not received notice about this debt its been well over 30 days i sent in paperwork XX/XX/XXXX its now XXXX of XXXX never received anything. This account is still negatively reporting.

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 2018-07-27
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2018 I contacted XXXX about reporting incorrect information to the credit bureau and they was not helpful at all. On XX/XX/2018 I contacted Equifax to file a dispute with XXXX Credit Card and XXXX Loan the lady I was speaking to at Equifax was telling me that I can not dispute information about these accounts because they where not showing inccarute information so I kept trying to explain to her that I have every right to dispute anything on my credit report that is not correct and it's damaging my credit I told her that I have contacted XXXX  on XX/XX/2018 and was told to file a dispute with the credit bureau, so that's what I'm trying to do Equifax would not file my dispute with XXXX Credit Card and XXXX Loan I was on the phone with Equifax for 2 hour 's straight to file a dispute this is so stressful trying to file a dispute with both companies I refuse to let XXXX report incorrect damaging information to the credit bureau those account have been closed on the XX/XX/2018 neither one of my accounts was in collection and I told Equifax and she refused to file my dispute after 2 hours I told her that I'm gon na contact CFPB because I feel like my rights are been violated by both companies XXXX and Equifax I also told Equifax that XXXX did not notify me of any changes to my credit report or updates about the dispute when I contacted them in XX/XX/2018 I have proof that the information they or reporting is wrong I was never in collection with neither account I thought I could fixed this by contacting the creditor and I was wrong they didn't fix it after all XXXX LIED and now Equifax giving me XXXX just to file a dispute to correct information XXXX  reporting incorrect and I never received anything from XXXX stating that my accounts are in collection not once the only letter I received was that my checking account was overdrawn and has been closed I also have proof I have paid them off completely not only that I thought XXXX  was helping me build my credit up but now I feel like the lady I spoke to at XXXX was intentionally hurting my credit after she update the information both companies Equifax and XXXX XXXX have violated my rights under the FRCA neither company wanted to file my dispute or fix the wrong information they're reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: JPMORGAN CHASE & CO.
State: CA
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:
I had opened and used Chase bank 's " preferred sapphire preferred '' card between XXXX. During that time Purchased products for " XXXX '' for a transaction of {$640.00} on XX/XX/XXXX. Recently I had to return the products to " XXXX '', and had an issued a refund. Here 's the transaction reference ID provided by " XXXX '', it's '' # XXXX '', refund issue date is XX/XX/XXXX, vendor said the chase successfully received the refund. 

Later I called chase customer service, the representative said refund can't be sent if the account isn't active, then later I talked to a credit card specialist, they are saying there's no history of me ever owning a " chase sapphire preferred ''. I was shocked since I have emails of bill alert for this credit card, it's ending in XXXX. I also have XXXX with 4 months of all the transaction history, there's even records of the account displayed as closed on my credit report. 

The full credit card number XXXX. 

My goal of this complaint is to ask chase.com to investigate further, I just want to get the refund that is due to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Experian Information Solutions Inc.
State: MD
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:
Dear CFPB, XXXX / XXXX XXXX has been reporting a charge off on my credit report for years. I have tried countless times to call XXXX and have been unsuccessful.
The negative mark has prevented me from purchasing a home and left me in the perpetual cycle of renting and being unable to build any type of financial security.
I asked XXXX to verify this debt and disputed multiple times with various bureaus. They report that it is verified without sending me any information. This XXXX account could be any number of people with the same name. It is not my address. It has a XXXX balance and claims a payment was made in 2013 but they will not provide any proof or documentation to substantiate their claim.
Would you please assist me in getting this charge off removed from my credit report immediately? XXXX has n't responded to any of my requests and I really need your help. I greatly admire all of the work you are doing to help the little people like me!
Thank you in advance,

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 2023-01-28
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened an apple credit card to purchase a new XXXX computer. The day after purchase I returned the laptop unopened. The store gave a full refund to the credit card, and I purchased a new laptop in cash. XXXX months later i get a ding on my credit report for not paying off my apple credit card - even though the balance was {$0.00}. I called goldman/apple and they informed me i received apple cash back, which was charged to the credit card when i returned the computer. No notice from apple this would occur. When i called to dispute the transaction, they said it would be denied, as this is how the card works. 

Companies should not be able to ding your credit because they charged a payment for a reward you did not intend to use. Especially without disclosing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

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