BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Crediter name XXXX XXXX Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Permissible purpose : written authorization Reguest on XX/XX/2017 Above information was been reported on my XXXX XXXX   report. 
When contact the credit explain to me why they reported and optenin information from my file they refused to disclose and identify whos sending them written athurization to access my files

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 2021-05-01
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: Was not notified of investigation status or results

Complaint:
i am hoping I can finally get a response because the last 6 months I have not received responses to my request for investigations from XXXX, Equifax, and XXXX. My attorney has advise me to escalate this matter due to violations of not responding to my requests for investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Toyoyta financial Is charging of my account for XXXX for a 2015 toyoyta Camry that was a total lose due to a crash the XXXX XXXX XXXX insurance company along with gap insurance company payed off My account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
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 status incorrect

Complaint:
I received a notice that my credit score dropped 147 points. Equifax and XXXX are reporting accounts incorrectly. I have sent a letter along with a police report to both and they are still showing wrong information. 
Equifax is showing incorrect balance on my chase act ending in XXXX. 
Equifax is showing XXXX XXXX which is not my act and is being investigated as fraud and should have been closed. 

XXXX is showing XXXX XXXX closed with balance of {$4400.00} and this act is also not mine and being investigated as fraud. The act was closed in XX/XX/2018 and XXXX XXXX informed me that NO payments should be made on the act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I currently have several general and store credit card accounts through Citibank. Due to previous economic hardship, I opted to close the accounts and pay off the remaining balances with monthly payments made through a debt management plan. I have been making regular and timely payments through this plan for over a year. 

As a consequence of the recent Covid-19 pandemic, I lost work and income. I saw that Citibank offers temporary ( one- to two-month ) Covid-related payment deferrals to its customers, so I called on XX/XX/2020 to arrange deferrals for my credit card accounts. I was told by several very polite and apologetic customer service agents that because my accounts were being paid through a debt management plan, they did not qualify for deferral. The agents mentioned that since such accounts are not charged late fees, I could just choose to withhold payments for a month or two. However, they noted the accounts could still be reported as delinquent if I chose to not make payments. 

Policies such as these unfairly penalize customers most in need of aid. A one- or two-month payment deferral on these accounts would significantly ease the financial strain on me and my family, prevent me from having to take more drastic steps ( e.g. bankruptcy ) that would further harm the credit I am trying to rebuild, and help me to continue paying off my balances in a timely manner after the deferral period. I am surprised by the company 's lack of compassion and understanding at this difficult time.

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 2019-03-20
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Citibank has recently frozen both of my checking and saving accounts which caused my HOA automatic monthly draw to not go through and my bi-monthly direct deposit to stop working. I contacted the bank numerous times and the customer service always direct me to the know/screw your client department where they kept disconnecting my call after taking for 20+ minutes each time. Their explanation for the account frozen was that the information that was provided in the trust was not completed. My wife had contacted the department that is responsible updating the trust information numerous times prior to the accounts being locked and they had never responded, like going into a black hole because they know that it is a institution that is too big to fail. Frustrated and helpless, I went to a local Citibank local branch, the manager was quite understanding and tried to help and contacting that know/XXXX your client department but the response was that the account was under review. But in the meantime, all my online bank activities were frozen. I have been banking with Citibank for many years ( ~15 years ) and i am quite upset to request a third party to intervene on this matter. Sadly, there is no other avenue to resolve this while I am incurring late fees and my credit scores would probably suffer because of some incompetent folks who simply froze their customer accounts without thinking about some consequences. I hope CFPB can bring this issue to Citibanks attention. 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 2018-04-13
Company: Alorica Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX//2017 {$510.00} the company was trying to collect and doenspt have a license to collect

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 2020-08-19
Company: CITIBANK, N.A.
State: IL
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX, my husband and I made an online reservation for a car rental in XXXX and paid for the reservation, using my AAdvantage Mastercard with Citibank. 

The receipt for the reservation clearly shows that the total amount for the rental would be XXXX XXXX ( approximately {$120.00} ). However, when I received my credit card statement, the amount charged by the rental company was about {$410.00}. 

I contacted the rental company but was not able to resolve the situation with them ( even though they did not provide any reason for the discrepancy ). As a result, I submitted a timely written dispute with Citibank. 

A few weeks after the dispute was initiated, Citibank acknowledged that the dispute was resolved in my favor. However, I received a credit in the amount of {$70.00}, which was incorrect. The difference between the rental charge I agreed to ( {$120.00} ) and the charge on my card ( {$410.00} ) is {$280.00}, and I should have received a credit for {$280.00}. 

I contacted Citibank about this numerously in writing, on XX/XX/XXXX, XXXX and XX/XX/XXXX. I also called a few times, but received no answers and no explanations. I believe the Citibank 's conduct is in violation of the Fair Credit Card Billing Act. I respectfully request your assistance with this matter.

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 2021-04-23
Company: CarMax, 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: Information belongs to someone else

Complaint:
I have contacted XXXX  and the Creditors ( Carmax Auto Finance ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the account is fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent account was verified and/or belonged to me or no response at all. Neither of these companies have provide me with any proof such as any original documents bearing my original signature

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: Experian Information Solutions 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:
XXXX XXXX has incorrectly reported late payments I am enclosing an ledger report from XXXX show that they payments were made and that no late fees were accessed. 

I have included bank statements showing the payments were made within 30 days. And an complete payment history for the payments made while I was in Bankruptcy. 

XXXX was paid off in XX/XX/XXXX and then after payoff they reported to XXXX   and Experian that in XX/XX/XXXX I was 180 days late, XX/XX/XXXX 90 days late, and 150 days late in XX/XX/XXXX. Please note on the credit report they show XX/XX/XXXX through XX/XX/XXXX No late fees and all my payments are listed on their ledger. I have highlighted them for you starting on page 32 - 37. 

Enclosed also find a summary of payments from the trustee XXXX XXXX. Please note how XXXX posts credit and how the actual payments from XXXX XXXX the trustee differ.

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 2019-01-18
Company: Experian Information Solutions Inc.
State: NJ
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:
experian has failed to investigate nor rectify a collection that i have no idea who it is and it is not mine

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 2018-06-07
Company: Midwest Recovery Systems
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My bank account was constantly being garnished for an amount well over what I actually borrowed. I constantly called and inquired but they would refused to stop taking money out of my bank account which forced me to file a complaint with my bank and closed the account. They sold my information online and now all kind of fraudulent payday loan companies are reaching out to me accusing me of owing them money this company is a fraud. I do not owe them anything. They kept calling and harassing me and that is not common collecting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have had my account for several years now with Regions. 

Anytime I had an charge that I did not have any money for or enough money, the bank would just pay it. 

I had to pay the bank and the overdraft fee. 

Now the bank has reversed a charge from my bank account, knowing that I have opted in for overdraft fee. A couple of times, I have seen charges over {$200.00} for an overdraft fee which I assumed was excessive. But I paid it. 

Now the charge that they reversed may get me kicked out of school because it was due on the 1st and my check will post tomorrow in the account. But I have to scramble to pay this so that I will not have to pay twice the amount for my tuition. 

Do the bank have the right to reverse this charge even though I signed up for overdraft? 

Please advise.

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 2019-01-18
Company: ERC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Crediter name consumer XXXX Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Permissible purpose : written authorization Reguest on XX/XX/2017 Above information was been reported on my XXXX XXXX report. 
When contact the credit explain to me why they reported and optenin information from my file they refused to disclose and identify whos sending them written athurization to access my files

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I got hard inquiry report on my credit, the report said a hard inquiry being pulled on XX/XX/XXXX from XXXX XXXX XXXX/XXXX XXXX, I called the no on there ( XXXX ) and said that theyre not responsible for the report being made, what should I do?

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 2019-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I bought a use XXXX  XXXX car in XXXX in XX/XX/XXXX at 6 months I started having problems with the transmission. The XXXX XXXX fix for free because I had less than XXXX, XXXX miles on it. And then I took it to XXXX XXXX for an Oil change and then I started having problems with the timing sylenoid no car dealer wanted to tell me what was the problem in the beginning and XXXX in XXXX XXXX charge me aprox XXXX to fix one piece of my syneloid but there telling me my car is was going to still have issues turning off because there's another piece that needs to be fix but the car dealer didn't want to tell me. he said it was the sprocket gear and it wasn't .... I spent money for nothing. Then I finally found a good mechanic to fix and tell me the problem and is was the timing sylenoid. I spend almost XXXX couldn't make my car payments got behind and I call capital one to lower my payments and they dont want to. I told them I get pay biweekly and my car payment is not the only payment I got. And I was fine making the payments because at that time my boyfriend was helping with some money but now I financially struggling with the car payments and I just finish paying my car taxes in CT because if not I cant renew my registration. they still cant help me to lower my payments. I have called the bank to tell them my situation. Im a single mother and I really struggling making high payments. I pay XXXX every month plus my car taxes and insurance. I need help please I only have one income and capital one cant help me to lower my payments. I wish I can get rid of this car

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Bread Financial Holdings, Inc.
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been calling in to pay my XXXX Preferred Account bill which is with Paypal Credit, they would not let me pay online anymore. At first I had to call every month to make a payment, then in XX/XX/XXXX they told me they could set it up for automatic bank draft for 6 months and then I received a letter XXXX XXXX XXXX was being bought out by XXXX XXXX, and after XX/XX/XXXX, my payments would need to be changed. On XX/XX/XXXX, they did not take out my payment which I had scheduled in the amount of {$80.00}, even though my min payment was XXXX. They then sent me a bill for XX/XX/XXXX and charged me a late fee of {$27.00} and now want my payment for May which was due on the XX/XX/XXXX and for XX/XX/XXXX which is not due until XX/XX/XXXX. They refused to give me credit of the {$27.00} unless I pay them the total minimum due of {$130.00} as of today XX/XX/XXXX. I have  been faithful in making payments to the company, and I also had a Bill me Later account which was separate, the Bill Me Later Compnay closed my XXXX account for no reason except, that they said my bill came back to them, even though they received my monthly payment? What is going on? I also had a Bill Me Later Account, and Now PAYPAL is saying I have to go online to pay the bill. I also have the Bill Me Later which is now Paypal also and changing to the same Company. This is PAYPAL doing this to me and I have not received my billing for PAYPAL and I am very upset that I made advance payments and the company did not give me any notice as to the change except to be effective XXXX XXXX XXXX. This is not fair and I feel that I do not owe the {$27.00} late fee because the company did not do as we had verbally agreed to on the telephone. I am willing to pay the payment which was due in XXXX, but not to advance them the payment which is not due until XXXX XXXX XXXX, nor pay the late fee. This company has to be stopped and they are  probably ripping off many other customers My XXXX acct is now scheduled with a payment due on XX/XX/XXXX in the amount of {$130.00}, previous statement minimum payment was {$65.00}, which is the only amount that I owe. This company has fraudulently not processed my payment and has placed a fee on my account which I do not owe of {$27.00}. Please contact me with a follow up as to this situation. I do not know if my Paypal account is doing the same thing, I am going to call them this evening. According to my letter dated XX/XX/XXXX, I will no longer be able to make a payment through paypal or Customer Service and the only method to make a payment will be via Mail using my billing statement. No electronic or Internet payments will be allowed according to XXXX XXXX. This is not fair to any of us and this can be placed against my credit history and I feel that I may not be the only one who is being abused by PAYPAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: American Credit Acceptance, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I co signed this loan for my son. In XXXX of 2019 he was in an auto accident. The car was deemed totaled by the insurance company. All state insurance paid their balance immediately. I called American Credit Acceptance and the dealership many times to get them to have the GAP insurance cover the remaining balance. I continued to pay this loan in XXXX, XXXX and XXXX to make sure this did not report negatively on my credit. But low and behold even when the car was completely covered by insurance and GAP insurance some how they still managed to destroy my perfect credit with a 30 day late payment in XXXX of 2019. This is NOT acceptable. We were NEVER late on this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/2020, I was scammed by a person online to wire money from my Chase checking account to a XXXX XXXX account in New York, the amount is {$25000.00}. The scammer begged to borrow money for business and promised to repay in a few days but never did. The scammer then disappeared. I reported to XXXX XXXX Police Department and XXXX in XX/XX/2020. 

After looking up the receiving bank account information, I saw that it's a transferring bank to XXXX. This raised an alarm of money laundering and bank fraud, scam. I contacted my bank Chase to ask them to track where my money ended up with. After knowing the bank account and company of the ultimate end, hopefully I could give more information to police for their investigation. However, Chase never directed me to the right department nor the right person to solve my questions. I contacted XXXX XXXX ( receiving bank ) for the same request, and still have the same helpless attitude and endless phone transfers to different departments but none of them could give any meaningful assistance. 

It has been more than a year since I was scammed but I have received limited assistance from my bank in helping track the scammed wire. They always give excuses that bank accounts for fraud and scam will be inactive right after the scam. As if it's helpless to go to know where my money ended with. 

I explained to Chase what happened and that I have police report case number and other reports to prove that my case is real and that I am a victim. I have legitimate right to get helps from Chase. However, Chase ( phone reps and bankers ) said they don't need the case number. They acted like this is none of their problems even though I am their customer!

Company response to consumer: Closed with explanation