BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-29
Company: CITIBANK, N.A.
State: MA
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:
On XX/XX/2021 I noticed a fraudulent charge on my Citi XXXX XXXX card for an XXXX ride I did not order. The amount charged fraudulently was {$67.00}. I checked my own XXXX account and confirmed there was no recent activity. I immediately went online to dispute the charge. The website said I could not dispute the charge until it had posted, which I thought was a mistake since someone had my card information. I called the number on the back of the card to report this. The representative I spoke to told me that he would need to transfer me to another department. He then hung up on me. 

Following being hung up on, I used Citi 's online chat feature. This representative let me know that my account now had a fraud lock on it, and I would have to call the fraud department. Using the number provided, I called the fraud department and was again hung up on by that representative after answering the same questions I had answered with the first two representatives. 

I returned to the chat representative who told me to call in again and request to speak to a manager. I did, but the representative on the phone said she could only transfer me to a supervisor. The supervisor said that there was no manager available, and I would be called back within 24 hours. I never received a call back. 

The supervisor on the phone was ultimately not able to help me, as the fraud lock required she verify my identity which for some reason she was unable to do. The fraud in this case was not detected by Citi at all, I alerted Citi of it when I called. 

After receiving a validation letter to verify my identity a few days later, I called back and was disconnected by their automated service. I called again and was finally able to get the card cancelled and a new one sent. 

On XX/XX/XXXX I received a notification that my dispute had been denied, and their credit was reversed. The " proof '' supplied by the merchant was a receipt written to someone named XXXX. My name is not XXXX. The XXXX ride took place in XXXX XXXX XXXX, where I have not been in years. The only information provided for the billing address is " XXXX '' which clearly does not match my account. The contact email and phone number provided by this person also do not match mine. I have a copy of the documentation provided by XXXX to Citi and have attached it below. 

As requested by Citi, I signed a document affirming that " Neither I nor anyone authorized by me made this charge ( s ). '' I emailed this to them at the provided email address on XX/XX/2021.

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 monetary relief
Consumer complaint received 2020-05-18
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:
To Whom It May Concern, I was looking at my credit report. I noticed a few inaccurate information on my credit report on XX/XX/XXXX. The following inquiries I believe to be fraud as I never authorized them to run my credit or gave anyone permission to run my credit. I have no accounts with these people. XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX. Again I never signed anything with these companies and would just like this removed so my credit is accurate. I also have a XXXX XXXX account that I was late once on XX/XX/XXXX. The customer service rep said they would remove it back in XX/XX/XXXX as a common courtesy but from looking at my score it appears was never removed. I also have another late fee from XXXX XXXX back In XX/XX/XXXX and they also they said they would remove it since I've since always paid on time. The reason I was late with those cards was because while working for XXXX XXXX  at the time I had got injured on the job.

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 2021-08-10
Company: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I called discover about my direct deposit that was scheduled and post dated for XX/XX/XXXX released XX/XX/XXXX and the deposit was set for XX/XX/XXXX in the amount of XXXX and XXXX. I called Wednesday and they said my deposits in those amounts are pending to be posted the next day Thursday I called all of sudden my account was frozen with out my knowledge and never got a call from Discover said they rejected payments and it was sent back to nys dept of labor and they said they did not receive anything no rejection nothing. The bank cxl my direct deposit and now they dont know where my deposit its been over a week with no answers on my accounts that were set up via auto pay got hit with fees all of this drama.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
This is my 3rd complain for same issue since last 5 months. The issue is going on with 9 Months and evetime XXXX  XXXX say they never reported it and every time credit XXXX says its XXXX  XXXX who has reported it. 

I am attaching screenshots from previous complain where i stated XXXX  XXXX  lied in CFPB platform and saved their company and ruined my credit profile and haraased me for 9 months. I need a final help from Govt body and truth and who ever has done is should be accountable this time. 

I filed a dispute today XX/XX/XXXX as their report says late payment reported by XXXX  XXXX  with Transunion with dispute number 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 2020-09-09
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am requesting for late payments from XX/XX/2020 and XX/XX/2020 be removed from American Honda Finance on my credit report. My household was greatly affected and experienced financial hardship from COVID-19. I contacted American Honda Finance in advance to make them aware of my situation twice and I was advised that there was no assistance available ( ie. reduced payments, deferred payments, etc. ). 

Additionally, I requested for removal of the late payments and my request was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
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: Account status incorrect

Complaint:
There are several student loans that is reporting inaccurate status. They are reporting that I was 90 + days late and this information is incorrect. Please remove this inaccurate status. I was never 90+ days late on the following accounts : Dept of Education/XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$5200.00} ; I was never late 90+ days late Dept of Education/XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$11000.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$4800.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3500.00} ; I was never late 90+ days late Dept of Education/XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$1400.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$6800.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3300.00} ; I was never late 90+ days late Dept of Education/XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3900.00} ; I was never late XXXX days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$5300.00} ; I was never late 90+ days late XXXX XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$0.00} ; I was never 60 days late XXXX XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$0.00} ; I was never 30, 60, 90, 120 or 180 days late XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$35000.00}, XXXX, & XXXX ; I was never 30 or 60 days late

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 2018-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 have four hard inquiries that i did not authorize. one from XXXX XXXX n 3 from XXXX  XXXX. i already have a card from XXXX XXXX that is in good standing. XXXX  i never filed for anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: EQUIFAX, 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:
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt.

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Equifax XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX Equifax XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX Equifax XXXX  Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX/XXXX  XXXX XXXX Account Number XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX   XXXX  XXXX Account Number XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Equifax Account Number XXXX XXXX Account Type Collection Account Collection Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Equifax XXXX  Account Number XXXX XXXX XXXX Account Type Revolving Account Revolving Account Revolving Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type Revolving Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Equifax XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Capital One Credit Card has been overcharging ridiculous fee after I have automatic payments set up with them for 10 years. They just told me that they don't have a " grace period ''. They reported me to the credit bureau for non payment. You can see I made automatic payment for {$25.00} each week for the past 10 years. 

I feel they are unethical to their customers. Please investigate them. This isn't fair for a loyal customers like myself. I'm not trying to get over but I think their trying to scam their customers. That's not right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08
Company: AES/PHEAA
State: TX
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:
This is in reference to public service foregiveness. The agency is XXXX XXXX XXXX. They sent me my number of qualifying payments In XX/XX/XXXX and it was less than the previous year. I requested a recalculation and they said it would take 6 months. They bland the problem on a new computer system. Having only worked for one city during my repayment, I could not understand why it would take so long. 

I requested the name of the software and a copy of my statement of qualifying payments from the previous year. They did not respond. I called back in XXXX XXXX XXXX and asked for an update. They told me it would now take a year. I asked them why it would take so long and they told me the US Treasury had to recalculate and thats why it was taking so long. According to my records, I should have 120 qualifying payments in XX/XX/XXXX. However, I can figure out where I stand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
My credit report shows accounts that we're opened by someone else fraudulently because of identity theft. My wallet was stolen and had my driver 's licence and social security card in it. Now I'm seeing accounts that we're opened that I wasn't aware of. It's affecting me getting into a apartment. I'm gon na be homeless.

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 2020-11-19
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NATIONAL CREDIT SYSTEMS - They have filed a derogatory collection account in my credit file apparently for a rental apartment I have no knowledge about and never lived at. XXXX XXXX and XXXX have all confirmed that my personal information has been compromised on the dark web. I have been attempting to have them remove the account without progress,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: WELLS FARGO & COMPANY
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo is refusing to cancel private mortgage insurance on our mortgage even though it has reached an LTV ratio of 78 %. Ive contacted the company numerous times, and on XX/XX/2020, they sent a letter acknowledging that we reached 78 % LTV, but refuses to automatically cancel PMI.

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 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
A couple of days ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts inquiries and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.

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 2019-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
You need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages ... XXXX/XXXX-XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. If you do not remove it from my record, please provide me with written proof of every detail shown in your entry

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 2018-02-27
Company: GOLDEN 1 CREDIT UNION, THE
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: Privacy issues

Complaint:
On XX/XX/2018 I received a message from my banking institutions loss prevention services regarding an attempted transaction for {$150.00}. I flagged the transaction as unauthorized and my XXXX debit card was deactivated. When I called the bank in the morning, they cleared the transaction and deducted {$150.00} from my checking account. I then contacted the company that initiated the transaction and found out that they use a service offered by XXXX called XXXX XXXX XXXX  and that if your billing information is out of date, they receive your current bank account information so that they can continue to charge your account. I then called my banking institution and asked to opt out of their updating services as I am very concerned that they willfully provide my banking information to XXXX and/or merchants without my knowledge or consent. The customer service representative said there is no way to opt out of this service and nothing can be done to prevent my bank or XXXX from providing my current account information to merchants. This is very alarming that my banking institution will provide my account information to anyone other than myself but then to tell me there is nothing I can do to protect my financial information is absolutely ridiculous. Banks need to protect my information, not freely distribute it like they are doing with this so-called service.

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 2019-08-17
Company: EQUIFAX, INC.
State: HI
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 am uncertain as to WHY these late payments are present on XXXX ..I must request under the terms of the Fair Credit Reporting Act, and Fair Credit Billing Act of 1975 that you provide me with an audited statement of my account for the last 2 years..If you can not supply, please remove this inaccurate information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
On XX/XX/2020, I was contacted by a Citi Credit Card representative by phone regarding a late payment, however, because I knew my accounts were on automatic payments, I thought this was a scam and did not proceed with making a payment over the phone. Instead I logged onto my account and saw not only that my auto-payment was not made in XXXX and XX/XX/2020, I was charged {$70.00} in late fees. I contacted a Citi representative via the messenger application and was informed that my account was two months delinquent because auto-payments were removed " per my request in XX/XX/2020. I explained I never requested auto-pay to be removed and that a mistake must have been made. The rep told me Citi attempted to contact me via email but they were returned undeliverable. I explained I have had the same email address for the last 12 years and have always kept my contact information with Citi up to date. I also asked why I wasn't called if clearly they had my correct phone number. I have screen shots of my messenger conversation with Citi as evidence of this conversation. 

The Citi rep even refused to forgive the late fees of {$70.00} despite my explanation that some kind of error was made. Despite this, to avoid any negative treatment, I paid my credit card balance including the late fees assessed ( {$680.00} total ). 

I later found out Citi had already submitted a negative mark on my credit report for XX/XX/2020, the same month they started to call me about the matter : Status/ Account Status = Past due 60 days. I have had this Citi credit card for over 10 years and had my account on auto-pay for over a year, suddenly without notice auto-payments were cancelled and I wasn't notified until after late fees were assessed and a negative remark on my credit was made. 

I reached out to Citi Brands Credit Bureau Disputes and sent several letters with detail and evidence attached. On XX/XX/2020, Citi responded with a letter stating they believe the information appearing on my credit report is correct, and refused to remove or amend the negative remark on my report. 

I highly suspect fraud on Citi 's part considering the suspicious manner in which auto-payments were cancelled in my account, lack of proper notice, and refusal to forgive the late fees assessed or at the very least remove the premature negative remark made on 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