BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
State: WA
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 had a lease from XXXX XXXX XXXX and my monthly payments were {$250.00}. I made automatic monthly payments of {$270.00} every month on the XXXX of each month. On XX/XX/XXXX, the last month of the lease, I called and had the lease extended into a month to month agreement. During the call I was required to make another payment in the amount of {$250.00}. After making the payment, two days later I received an email saying I was late on the payments. I called XXXX XXXX, they corrected the amount and said they would clear up any credit report issues. Following that, on XX/XX/XXXX I received a monthly statement saying I was past due {$1700.00} even though I had never missed a payment. Again I called and they corrected it in their system. My statement in XXXX showed a normal balance due of {$250.00} for XX/XX/XXXX. I then sold the vehicle before that date. 

All of this occurred in XXXX. Up until this, I had good credit reporting of the lease payments. After this incident, XXXX  changed my credit reporting for months in XXXX to showing I was late on payments even though I have statements showing {$0.00} due every month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: NCB Management Services Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX of NCB Management continues to call family members of the person who supposedly owes a debt that he is trying to collect. He has called more than once after he was told he has the wrong number and not to call again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: CITIBANK, N.A.
State: AZ
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 filed 3 disputes with Citibank for charges made by the same merchant, XXXX XXXX XXXX XXXX XXXX, headquartered in XXXX, Arizona. All 3 disputes were denied and rejected by Citibank. I believe these denials were unfair based on the facts of the situation, I have tried to communicate and work with both Citibank and XXXX XXXX to resolve this matter both to no avail. In matter of fact, I have been met with outright hostility and scorn. 
On XX/XX/2020, my car would not start. I got it over to XXXX XXXX, XXXX # XXXX in XXXX, AZ. Based on their testing and recommendation, they said they could fix my problem for {$650.00}. I agreed and was charged on my Citibank credit card. 
The next day, XX/XX/2020 again my car would not start. I got it back over to XXXX XXXX. They said oops to get my car fixed and starting properly, it would cost me another {$590.00}. I had a car that would not start. I could not drive it somewhere else, At that point in time, I did not know where to have it towed to anyway. I had no choice in my mind but to agree. 
I was charged twice to fix the exact same problem. My consent to the first charge was based solely on their testing and recommendation and direct communication to me that it would fix the starting problem with my car. The second charge emanated from the " hostage '' situation I was in. 
Obviously Citibank has not been helpful to me in resolving this matter. 
Thank you for your help and consideration in 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 2019-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have 2 Capital One cards and they are reporting the wrong balances for the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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 purchased a XXXX fridge and freezer French door from Sears. During the Hurricane Irma I panicked and left, I found out when I got back I forgot to clean out my fridge and freezer and that the area has been with out electricity for over a week. Many did not evacuate and cleaned it out within hours. I 've tried multiple ways to clean it out but coffee grounds to soak up the microbial infectious XXXX left. I called Sears and argued with them to come and clean it because I still owe them several thousand on the credit card I 'm paying high interest on and I saw the Sears Outlet refurbished fridges and sold for over {$800.00} ; whereas new fridges are several thousand dollars. Monday XX/XX/XXXX, I had a technician come out that refused to take a part areas that had screws and tabs in it. I called numerous times and was directed to several other countries personnel instead of local people. I was scheduled for an appointment, that no one showed and then again today. Today 's told me " maybe '' I could do this or that but most likely I need a new fridge. That I could try to pressure wash it and let it dry for several days or use coffee grounds. I also forgot important medicine in it, where the XX/XX/XXXXgot into the bottle and after XX/XX/XXXX made me XX/XX/XXXX worse than the exorcist and have the worst XX/XX/XXXX like symptoms since. I 've been forced to go out in public to eat and get supplies and may be contagious with some kind of XX/XX/XXXX and was given weak antibiotics by the Veterans Affairs hospital for XX/XX/XXXX like symptoms. These symptoms are worse than any XX/XX/XXXX I 've ever had and could probably XXXX people. I 've been wearing the mask except when eating and then noticed others whom were working coughing, both wet and dry coughs. I understand I panicked but now I 'm very ill and I am not the only one. I may have also been ill prior to leaving because someone speaking to me spit in my eye accidentally. I 've scheduled a request forXX/XX/XXXX and to be seen again by my doctor but need to wait until I get less sick as I believe these symptoms could XXXX  certain individuals like children and seniors. I may have also forgotten to wear my mask at some places. Please contact appropriate medical staff for this, because there was several hurricanes and Puerto Rico will be without electric for months. I care a lot, I 'm just not educated enough.

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 2020-05-29
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
First, thank you your time with this issue. In XXXX  of this year our mortgage company, MyLoanCare falsely overcharged us on taxes by {$3600.00} on our county taxes so our account was showing that our escrow wasn't enough. Our actual taxes are {$860.00}, not {$4500.00} for the first half of the year, plus an additional {$4500.00} for the 2nd half totalling in {$9000.00}, which is a very large difference compared to what our actual county taxes are. We caught this and reported it to the company over the phone in late XXXX, and in writing on XXXX, XXXX, XXXX, and XXXX. We have attempted multiple calls on recorded lines as well with their company on XXXX, XXXX, XXXX,XXXX, XXXX.  

They are now trying to charge us {$2700.00} for our mortgage payment that normally should average around {$1500.00}. They also have not provided any confirmation of any refund of what they falsely charged us

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 2020-11-17
Company: VW Credit
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2020 I went to XXXX XXXX ( XXXX, VA ). I had an online reservation for a vehicle as well as a commitment for a trade-in price. Went to the dealership and decided to upgrade to the next highest model of the XXXX  XXXX. It was priced at XXXX. There was a promotional deal for 0 % financing. Between my trade in for XXXX, XXXX cash payment that brought the price of the vehicle down to XXXX for financing. The salesman told me since I qualified for 0 % financing the price of the vehicle now went up to XXXX. I refused the deal outright and got ready to leave. He went back to talk to the manager and came back with the XXXX price and 0 % financing. I asked for the written copy of the deal and was told I could not have a written copy. It was not allowed. But, he said, the good news was all my requests were honored and now I could buy the vehicle. We waited an additional 1/2 hour for the paperwork to be drawn up except it was not paperwork. It was a desk sized tablet in which the finance guy whisked us through the signing process. We were given a zip drive with the document and nothing written. When I received my first loan payment coupon I was shocked to see the balance of the loan was XXXX. That means they did not deduct my cash payment or trade-in value. No. The problem was the raised the price of the vehicle to XXXX in the loan documents and I had no idea they did this. They fraudently raised the price of the vehicle, rushed me through the signing process and out the door with no written documents or way to check for accuracy. They essentailly stole my trade-in and XXXX ash deposit. I trusted they would stick to their word on the verbal deal we made. My husband and daughter were both witnesses to the verbal deal. I have tried to contact the dealership for 2 days ( I am out of state and can not get there easily ). I have received no call back from the finance director. I have reached out to the VW complaint bureau and was given a number to call which I have been unable to reach a live person. I want this loan re-written for XXXX that would reflect the agreed upon sale price of XXXX. In a side note this same vehicle is now offered on their web site for XXXX. So it is price gouging to begin with and then a fraudulent loan and sales tactics on top of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXX, XXXX L XXXX XXXX, RI XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$26000.00}, XXXX XXXX XXXX Balance : {$4500.00}, XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1500.00}

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 2020-10-22
Company: Experian Information Solutions 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:
An account with its first six digits " XXXX '' was opened and shown in my credit reports on XX/XX/2020, with a credit limit of {$1000.00}. The report says it's a XXXX XXXX XXXX XXXX card, but I verified with XXXX that it's not my account. This was not done by 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 2020-11-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax systems were down preventing the unfreezing of my credit history. 

I made several attempts on their online portal to unfreeze my credit between XXXX and XXXX on XX/XX/2020. Their automated phone system informed me I provided incorrect information ( after two tries I can confirm this is not the case ). When I talked to a call center representative they said their systems are updating and I should call back tomorrow. 

Complaint : * Providing false & misleading information about their outage. 
* Given that theyre in the business of selling my data without my authorization, they should be able to keep their systems available so I can at least freeze/or unfreeze my information at will. A 24 hour outage is unacceptable and impacts consumers. 

This isnt the first time their online portal has been offline and impacted my ability to use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was hesitant about filing this complaint because I want further errors to appear on my credit. That said, my name is XXXX XXXX XXXX not XXXX. I have submitted a copy of my birth certificate, drivers license and social security card and Experian credit bureau continues to report 10 INCORRECT SPELLINGS OF MY NAME!! This is very frustrating because i also have 7 accounts on my credit along with addresses that are not associated to me and after 3 years ... ... the information remains on my credit. I also heard of stories like this and it hit home when I discovered it was happening to me. I have filed a complaint with the CFPB AND THE FTC. I hope the matter gets resolved soon. I want the following names and accounts removed from my consumer credit report XXXX XXXX XXXX- I don't have a middle name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts have been placed on my credit in ERROR- they were not originated by me XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account XXXX XXXX Desired Resolution : Correction to a credit report Desired Outcome Remove in correct spellings of my name and DELETE/REMOVE unknown accounts and addresses

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 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed out letter, police report, and FTC report on XX/XX/20. It has now passed 30 days. No response from creditor. They are still reporting fraudulent information. Per FCRA they have to remove fraudulent account.

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 2022-01-06
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Comenity Bank ( Victoria 's Secret credit card ) sent me a refund check in XX/XX/2021 for {$93.00} which was made out to XXXX XXXX. I didnt notice that my maiden name was on the check, and I tried to deposit it on my mobile device ( mobile deposit ) into my XXXX XXXX account. The check was returned and couldnt be deposited because of the name, and I was charged a {$5.00} fee by my bank for the return of the check. 
After that happened, I contacted Comenity to change my name on my account to XXXX XXXX, my married name. Comenity issued me another check for {$93.00}, and I successfully deposited it. I then noticed that Comenity put that {$93.00} amount back on my account that I owed back to them, saying I deposited two checks. The only way I could correspond about the matter was to mail them documentation, which I did, twice, trying to explain to them that I only successfully deposited one check. They kept sending me back letters saying they needed more proof. One night I got my bank XXXX on the phone and called Comenity customer service to settle the issue. We got a manager from Comenity on the phone, and after over an hour we confirmed that I needed to send them proof that the first deposit didn't go through on XXXX letterhead of some sort. Comenity said I could send this information to them electronically on their messaging system online. I've tried twice to do this but it always fails and says the message can't be sent. So the only way to correspond was to send a letter to a po box they provided on the bottom of their letters which first stated XXXX XXXX XXXX XXXX, Ohio XXXX. The last two letters I've received from them have a different XXXX XXXX XXXX, now XXXX XXXX XXXX. The last letter they sent me says they never received my documentation! 
When I call customer service their hours are inconvenient for me as they're on Eastern time and I'm on Pacific, and by the time I get home from work at XXXX, they are closed. Each interaction with them over the phone takes an hour because they have issued me no case number, so every time I call about the issue I have to explain it to somebody new. It's beyond frustrating and I just want the {$93.00} back that they owe me, plus a late fee of {$29.00} that I was charged for not paying my bill in full when I was in the " investigation process '' ( which I was told I would not be charged by a customer service rep ), and also I was charged a transaction fee of {$3.00} because of that bill. 
All I want to do is get my money back and then close my account because issues like this shouldn't take 7 months to be handled. Thank you, XXXX XXXX XXXX : I had to remove my savings account information for confidentiality but I've forwarded them all these documents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2020, I applied for credit with XXXX XXXX and was denied. The reason give was " Unable to verify credit reference due to security alert ''. When I investigated, Experian was reporting that I had a security alert that required the creditor to call me, but they said they did not have a phone number for me. I have obtained credit in the past with the security alert on my file and never had a problem with a missing phone number ( i.e., creditors were able to call me to verify the information ). Even though Experian is blocking credit inquiries, it is counting the inquiries against my credit score. 
When I tried to contact Experian to fix it, all I could get was a phone menu that gave me no options to add information to the alert and no way to talk to a person to fix it. I tried a wide variety of published customer service numbers XXXX XXXX, XXXX, XXXX, XXXX, XXXX ). All of them eventually took me to the same set of menu options, with no option to talk to a person. None of phone options would fix my problem. 
What is more ridiculous is that I have a " membership '' with Experian to monitor my credit. The membership has all my current contact information, including phone number. Yet for the security alert, they claim they don't have a phone number. 
As currently arranged, Experian is denying me the ability to obtain credit by blocking credit checks and offering no way for me to correct the situation and add a number. By offering no option to talk to a person, they are failing to provide a basic and reasonable service. 
By denying me the ability to obtain credit, they are adversely impact me and my family and causing a financial hardship.

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 2020-11-17
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started an application for a refinance of a loan with Rocket Mortgage around the first of XX/XX/XXXX. They ran credit I paid for the home appraisal and they said it should close at the end of XXXX. They then asked me to prove I am still in business. I provided two bank statements 3 weeks apart. Now it is XXXX and about the third week of XXXX they told me they had to run another credit check. I have been in business since XXXX. Why would I refinance with the same company only to default??? 

Now it is XXXX. They took my credit from an excellent XXXX to XXXX after they ran the credit, my report said too many credit requests ... .They made me look like I am trying to get money all over town. 

I don't know about you but my credit rating is very important to me and after that happened I told the processor I am done with this process ... too long to wait. It was the end of XXXX at that time. I also think the closing costs out weigh the cost per month benefit and now I have neither .... just a black eye for my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions 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 requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I'm sure you, I have never taken out these charges. I do not have access to the documents related to these accounts, but the creditors would.

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