BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-16
Company: CITIBANK, N.A.
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:
On my Costco/Citi credit card XXXX statement I had a balance due of {$2000.00}, due XX/XX/20. On XX/XX/20 and XX/XX/20 I had two refund credits totalling {$2500.00}, two weeks before the due date. Therefore I had a credit balance of {$580.00} so there was no need to make any payment, correct? No, two Citi supervisors told me, the system doesn't work that way. 

I then received many harassing messages threatening reports to credit agencies, and insulting requests if I wanted credit counseling. I have a perfect credit score of XXXX. Citi closed my account. I then wrote to Ms. XXXX XXXX, President, Citigroup, and heard from their Executive Response Unit. After numerous calls and messages the rep ultimately said " a credit is not a payment ''. I told them I wondered if a court would buy that logic. 

I paid the subsequent month 's bill in full and the account has been restored. So, except for weeks of harassment and embarrassment of recurring charity payments being rejected, I haven't been injured. But surely, I would like this shabby treatment aired.

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 2020-08-28
Company: DISCOVER BANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX the XXXX I receive and email from 'Discover Card telling me that I have no more credit card with them! I have always pay on time! And have not miss and payment! 

I call on XXXX the XXXX and talk to Manager XXXX XXXX and she didn't care about if I was good customer with them! I feel I was treated very badly! To come and just take my card from me! Is so wrong!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24
Company: Netspend 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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I reached out to Netspend when I found out that I had bought something that was not gon na happen they were concert tickets for somebody who is not performing. Then I called nuts then told him about what was going on turn my head all the documents and emailed it. Then on XX/XX/2020 I was told my refund for dispute would be put back on account on the XXXX it is now XX/XX/2020 so I called was hung up on, giving fake names with fake employee numbers and 3 different stories. Spoke to a supervisor and now they are claim XX/XX/XXXX I will get my refund. Nonsense all the way around. Their fees are a complete rip off not what a saw when I applied for card was a setup to scam money. Instead of going after collection agencies the government needs to go after companies who steal from hard working people.

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 2018-07-10
Company: EQUIFAX, 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:
Loan Number XXXX XXXX XXXX XXXX from XXXX Private Loan Trust I called XXXX several times to fix what is reported on my XXXX  and XXXX report however I have seen no results. I've made 8 consecutive payments and my account is in good standing with XXXX however, this is not reflected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/XXXX, XX/XX/2021 I sent letters to the credit bureaus about some bankruptcies that where listed on the reports that wasn't mine. The time those bankruptcies were filed I was incarcerated and I sent documents to the bureaus showing that I was truly incarcerated and they told me that the bankruptcies were being verified by the Bankruptcy courts as verified. So I contacted the bankruptcy court and spoke with a XXXX XXXX she said they don't verify anything with the Credit Reporting agencies they are getting information from a company called Pacer she also said whoever filed the bankruptcies did it themselves no attorney was involved. 
I also contacted XXXX XXXX regarding acct # XXXX and they didn't respond at all. 
I disputed it with the Credit bureaus and they said it came back verified which couldn't be true.

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 2019-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the dates below : Inconsistent dates below- 30 days late as of XX/XX/2018 ( XXXX ) 30 days late as of XX/XX/2018 ( XXXX  and XXXX ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Today XX/XX/XXXX, XXXX XXXX from ShellPoint mortgage servicing called me and told me she wanted to help me but I had to tell her how because my complaint it is all over and i told her it is a response to all the fees and extra charges they say I owned them She told me in current up today then I explained to her that when I got my loan modification With a lawyer help and the court too. I got 2 loans. The first one was for the new charges escrow and lawyers fees and few other charges and the other one was supposedly for what I owed in the house. she told me she did not know it and she is going to look into my loan modification contract and she will be back to me. And my new complain is about it they have my mortgage loan for less than a year why they keep Harassing me when they don't even know anything about my loan. they came and took over change my 2 loans into one they keep charging me for a late fee I was not supposed to have until I finished to pay one that was the government help I had at the time corrupted XXXX  XXXX XXXX never charged me for any late fee or extra charges but they sold my account to the other corrupted company XXXX XXXX and shellpoint mortgage to change my loan terms. first they say I was into a bankruptcy and that was a lie they claimed I owed {$5000.00} or more and now they are saying the extra money I've been sending them it is for late fee they keep making claims that they invent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: ALLY FINANCIAL INC.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I took a personal loan out with Ally Bank through XXXX XXXX XXXX in the beginning of XXXX. I received an email on XX/XX/XXXX that my first payment was due on XX/XX/XXXX. I made my first payment on that date. A few days later I received an email that there was an error and my first payment was due on XX/XX/XXXX XXXX I made my payment of the due date that I was told. The end of XXXX I received notification that my payment was late. I called and explained the situation and was told the late fee will be reversed. XXXX I made my normal payment and a few days later I received another notification that my payment was late. When I called customer service I was told my request was denied and i will have to pay the late payment. I explained that is is a financial burden because i am on a fixed income. I work part time but because of Covid my job is shut down. Now the late payment is doubled since I did not make the first late payment. I tried to explain that this was an error on their part so why should i be punished But they dont want to listen. I am at my wits end. If you can help I would greatly appreciate 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 explanation
Consumer complaint received 2020-08-28
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2020 i filed disputes with all 3 credit bureaus. I have yet to received a reply from any of them. Its has now been over 50 days and i feel that more then enough time to reply to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: AR
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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and needed to be deleted from my 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 explanation
Consumer complaint received 2018-07-10
Company: EQUIFAX, INC.
State: SC
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:
letters were sent on XX/XX/2018 to the company that they were reporting an incorrect account, incorrect account number, a missing field of 81- month payment history, an inaccurate date of last activity, an inaccurate date of high credit, an inaccurate date of credit limit, an inaccurate actual payment amount, an inaccurate date of last activity, an inaccurate activity description, an inaccurate date of last update an inaccurate description of month reviewed. I get computer generated responses

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due, in addition this account has been closed. Please keep in mind that it is impossible to past due on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 and Fraud. I had sent in a police report in the previous filing. Please not this, and remove these accounts immediately. I shouldn't have to keep doing this to protect my 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 explanation
Consumer complaint received 2021-11-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company said to call XXXX XXXX about my funds for rebuilding my home. This was in their letter dated XX/XX/2021, attached. When I called they refused to transfer my call to XXXX even though I had selected option 3 as directed in the letter. When I tried to find out who I was speaking to I got hung up on. A company called XXXX XXXX said they did an inspection on XX/XX/2021 and came on to my property without my permission and took photos of my container home and or my storage container. They did not inspect the home, the foundation, the septic or the well for the new home. They refuse to provide me copies of the photos they took without permission. I am unable to access my funds for rebuilding my home. I am unable to contact the person they said to contact in the letter. Each time I try I get hung up on and abused as a XXXX person. Since the bank has refused to work with me regarding the rebuilding of my home and since construction costs continue to rise the bank has compromised my ability to rebuild. They refuse to accommodate my XXXX and refuse to adjust my escrow since I am paying my own taxes. According to their letter I need to pay and have transportation in order to communicate with them. This is an unfair action and makes my XXXX worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Drees Company, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX was using illegal steering tactics to force me to use their " partner lender '' First Equity Mortgage to buy my home. In the contract addendum it specifically states that a preapproval letter from this mortgage company is required to be considered a contract. Addendum dated XX/XX/2018. 
I never applied with or received an approval letter from the " required lender '' making contract null and void and had my atty type a letter stating this and requesting my earnest money of XXXX back based on the fact that according to their own language in the contract stating the contract is not valid. XXXX XXXX XXXX Division President of XXXX XXXX replied stating that they will not refund my earnest money. This is not only a violation of their own contract, but also a clear violation of anti steering laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
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:
I can't provide exact dates because I have been trying to get this matter settled with XXXX XXXX  XXXX, XXXX. ; XXXX XXXX ( C.E.O. ), XXXX XXXX ( C.E.O. ) and XXXX XXXX ( C.F.O. ), for many years. As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. 

I am also a XXXX Veteran. I am submitting one Administration Judgment ( documentation ) for proof and the account should be discharged. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of XX/XX/1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been past 7 years and this firm is still continuing to report false information on the report. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I can't provide exact dates because I have been trying to get this matter settled with XXXX XXXX  XXXX, XXXX. ; XXXX XXXX ( C.E.O. ), XXXX XXXX ( C.E.O. ) and XXXX XXXX ( C.F.O. ), for many years. As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. 

I am also a XXXX Veteran. I am submitting one Administration Judgment ( documentation ) for proof and the account should be discharged. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of XX/XX/1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been past 7 years and this firm is still continuing to report false information on the report. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages.

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 2020-05-13
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Earlier before today, l had told American Express that because of the COVID-19 emergency disaster and declaration on-going that l will not be able to commit to pay them any money unless l have it. The declaration also calls for non-collection, non late payment reporting to the credit bureaus and for creditors to follow " Fair Credit Reporting '' this time around. l hope this my assumptions are correct because as a business and a person, that is all l heard. 

But today, unfortunately it just came to my attention my credit file contained a collection account from a third party business called XXXX on behalf of American Express. In the conversation, it sounded like American Express deceived this collection agency and gave them my business account balance and told them it was my personal credit card account when indeed l never had or had long ceased to have a personal credit card with American Express. Talking to one Mr. XXXX, he imposed on me that the account in question is my personal credit that l owed American Express. His lies are so bare that he jumped from talking to me to wanting to talk to my nephew XXXX who lives in XXXX and XXXX XXXX, my ex-bookkeeper who lives in Indiana. 

Initially l thought l was dealing with a legitimate company but when the callers started mentioning XXXX and XXXX, l knew it was a desperate an intimidation strategy. Mr. XXXX if residing in the US, needs to be deported back to his country of emigration or be put in jail for saying he was calling me about my personal credit account with American Express and still wants to talk to the two individuals l mentioned. My also also has told me they called here cell phone looking for me and both XXXX and XXXX. Anyone in this country with an ounce of sense should understand the meaning of privacy. For how can you try to reach anyone for my personal account. 

l did quickly realize that l was talking to a XXXX  when he raised his voice and kept threatening me withe balance which l did not originate as a personal account. This complain is made against American Express and XXXX XXXX XXXX. What a thuggery of an outfit?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 am disputing late payments on my current XXXX XXXX XXXX XXXX Auto Loan Account and XXXX XXXX Auto Loan Account thats currently listed on my XXXX, XXXX  and Trans Union credit report. I have never missed a payment with XXXX XXXX XXXX XXXX or XXXX XXXX. The information is inaccurate and incorrect. All of my auto loan payments to XXXX XXXX XXXX XXXX and XXXX XXXX has always been on time payments.

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