BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-16
Company: CITIBANK, N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Many years ago we transferred a balance to our Citi card with an offer that had an Annual Percentage Rate ( APR ) of 4.99 % which would last until the balance  was paid in full. We have been steadily paying the minimum each month and have never been late. We moved to a new town in XXXX XXXX and switched banks. Since we were using XXXX we changed the XXXX to our new bank. Instead of taking out just the minimum payment like Citi has always done for many years, they took out {$5200.00} from our new checking account on XXXX/XXXX/XXXX. We were in the process of selling our house and buying another one. It was nerve wrecking to suddenly have over {$5000.00} gone from our account. After many phone calls and lots of promises ( " yes we see the problem, we have to talk to this person up higher, etc. " ), we got our money back on XXXX/XXXX/XXXX and the balance was returned to the card with the promise that the interest rate would still be 4.99 %. They lied. The next statement and all since have been 18.99 %. We have called them every month. They say they will fix it every month. We have to go through the whole story each time we call. They refund the exorbitant interest then add it on the next month which makes our payment more than twice it should be. Can you please get them to honor the 4.99 % which they gave me in the first place ( I have a paper dated XXXX XXXX, XXXX that says they will honor it again, they just have n't done what it says ) and can you get them to fix their computers so that my statement will reflect this and quit charging me an 18 % interest. It makes no sense to have to call twice a month to have interest refunded, once to explain what went wrong and again to make sure it was done. Then we have to wait until the statement comes out to see that it was n't done again.

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 2019-01-01
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied in XX/XX/XXXX with Key Bank. XX/XX/XXXX before XXXX I was emailed a note saying Denied. Credit is great..so is income, no credit problems. Denied because I put XXXX in key bank in XX/XX/XXXX to use for closing. Bank said denied due to assets ... even though I proved where the money came from ... weeks later still no deniel letter ... spent XXXX on XXXX on on inspection, and XXXX down payment ... which i lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
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:
The referenced accounts have been reporting on my consumer credit file in error 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.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 non-monetary relief
Consumer complaint received 2019-01-01
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: Problem with personal statement of dispute

Complaint:
The lender is not posting to the credit bureau my 4 consecutive payment. 
The credit bureau still saying that no payment has been made. 

XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account ID : 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 2021-11-30
Company: Self Financial Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 and 60 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: U.S. BANCORP
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Outside ATM at XXXX, CA US Bank on XX/XX/2021. ATM malfunctioned keeping my card and the machine kept spinning around. 
Branch manager was inside, he came out and said there was nothing he could do. I had to file a dispute online, which I did XX/XX/2021. It showed still pending on XX/XX/XXXX, so I was required to wait until XX/XX/XXXX to file a dispute. 

The XXXXXXXX XXXX  in front of me had the same thing happen, yet I didn't know this. He was making an online dispute or I wouldn't have used the ATM. No note on the machine saying malfunctioning. 
XXXX branch manager for US Bank told myself and the XXXX XXXX this had happened to several others before us. I asked him why there was no note. He said there was nothing he could do about it. He lied and said the weren't their ATM machines. Customer service told me the machines are US BANKS. 
I have called twice to the branch and ATM and nothing has been done. It is NOW XX/XX/XXXX. 5 days of collecting money and interest off OUR money we didn't receive. The branch managers excuse was because of COVID 19, the machines had been overused. 
The drive through ATM at this location only allowed you to deposit money NO WITHDRAWALS.

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 2018-06-06
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
A debt has been illegally reaged on my credit report again. I disputed it previously with Equifax and it has magically reappeared. 

The information on the debt is : Creditor : XXXX XXXX XXXX Amount : {$360.00} Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX This debt is 7+ years old. I have moved from XXXX so there is no way that this is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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:
1. I've contacted The credit reporting agencies, and my banks multiple times about inaccurate information on my report. I've sent debt validation demand letters, and They refuse to provide me proof of two accounts that aren't mine. 
A. XXXX XXXX XXXX the debt is owed by a business, and not mine. 
B. XXXX XXXX XXXX XXXX.. it was opened in XXXX XXXX where I've never been.. Used/maxed in XXXX XXXX which I've never been to. I disputed it for years ... No validation of debt ever given. So I gave in and paid it... it still reports as a charge off 5yrs later!!!! 

XXXX. XXXX and XXXX XXXX XXXX XXXX had me in a COVID payment arrangement on my car and credit cards and still reported me 30 days late. I contacted the banks first who both XXXX from XX/XX/XXXX and XXXX XXXX from XX/XX/XXXX directed me to dispute the late pays thru the credit agency 's... I disputed these with the credit agencies multiple times l. Everytime they come back with the late payment validated. I've spent hours on the phone with XXXX, XXXX XXXX and the credit bureau 's. Nothing has been fixed. I emailed 8 corporate officers with XXXXXXXX XXXX  and not one responded... These late pays and wrongful reporting have prevented me from refinancing my home, and my rental property which has a balloon coming due ... .i lost my home because I couldn't refinance in XX/XX/XXXX. 

3. I was a victim of XXXX data breach and I have over 60 credit inquiries on all 3 bureau 's, I've NEVER made ... Thankfully my score was so thrown off from the inaccurate reporting the scammers couldn't do anything but apply and get denied. I've disputed these multiple times since the data breach without any results. 

I'm now on the verge of losing my rental property/only income to feed my kids with ... due to the inaccurate reporting. 

I demand immediate proper validation of EVERY single item open or closed your reporting on my credit.. And each item you can not provide proof for will be deleted immediately until you can provide proper validation. 

FCRA 15 usc 1681i 602A states I have the right to privacy.

FCRA 15 usc 1681i 602A section 2 states a consumer reporting agency can not furnish a account without my written instructions.

Fines associated with these violations could be {$1000.00} per violation. 

This is my final demand before beginning litigation.

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 2019-01-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a Bank of America checking account. I informed them that I was outside the country and couldn't use the account for the meantime. I have two checking account at the time then finally I was able to set up direct deposit on one of the account. I asked if they could waive the monthly service fee so I could close the other account. They said no to me and kept charging me monthly service. 

Then second thing that happened to me was I filed a claim to dispute the charge from XXXX. I informed them that my email and XXXX was hacked all my cards were on their system I found out due to fraudulent transaction from XXXX. After that it continued to charge my card. I kept getting new replacement card but the charges continued. They told me that the charges were authorize by me but I never did authorize the charge. I will be taking them to civil court. 

This bank is very unethical and deceitful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-16
Company: Experian Information Solutions Inc.
State: LA
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 no knowledge of the following inquiry XXXX XXXX XXXX XXXX XX/XX/2019. Please investigate to make sure there is no fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16
Company: Sequium Asset Solutions, LLC
State: KS
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:
A collection from sequiium asset solutions appeared on my credit report in XX/XX/2019. I sent them a letter requesting a validation letter and I never received a response. I called them and told them my name and they could give me no information, as if they didnt know who I was. Filed a complaint with consumer finance and in their response said they would send me a fraud packet-never received it. I dont want to sue this company, only want them to stop reporting that I owe money on my credit report that I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: CITIBANK, N.A.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied for the Citi XXXX card on XX/XX/2021 due to the XXXX opening bonus. Unfortunately, the card routinely declines charges and the bank freezes the account regularly. I have spent hours on the phone with them. I also submitted a CFPB complaint regarding this issue a month ago. At that time a Citi representative assured me the problem was fixed. This morning the card declined 3 of my attempted charges and now the account appears to be frozen again. I pay my bill as agreed. The charges are not unusual. There is no reason for the bank to behave this way towards 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 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge Off XXXX XXXX XXXX XXXX {$1800.00} XXXXXXXX  XXXX XXXX {$510.00} XXXX & XXXX XXXX {$8700.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$980.00}

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 2017-11-16
Company: Dynamic Recovery Solutions, LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Dynamic Recovery Solutions has called me from a XXXX, AR number XXXX approximately 4 times today on XX/XX/2017 last phone call being XXXX XXXX. I 've owned this number XXXX for roughly 3 years and have received MANY phone calls over the course of those years from them asking for a man in which I have repeatedly told them to take my number off, this number is not associated with them. They have continued to harass me calling at all hours after being told to remove my number I am not associated with him. Today I received multiple phone calls with no one saying anything on the other line. I called back and an XXXX XXXX man answered ( call should be recorded ). I told him they have called me 4 times today ( that call being the 4th ) and I have told them over the last several years to remove my number and stop calling me that I do no know or have any associations with the man they are looking for. I told him that they are harassing me and the man became irate and said " do not use the word harass, I 've never called you this is the first time I 've called you. '' I proceeded to tell him multiple agents have called me and I 've repeatedly told them not to call and remove my number. I have a witness to the conversation and could hear him raising his voice and talking so much over me I had to ask him to stop talking over me. I finally had to hang up on him he was being loud and disrespectful. I 've been harassed by this company so many times and yet they will not understand the fact that this man is no longer associated with my number and will not stop calling me at all hours of the day when I have work and a family to be with.
PLEASE NOTE : I do not have an account or any affiliation with this company. They are seeking payment from the individual they are trying to which which also has no affiliation with me or my family. We do not know this person.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24
Company: Santander Consumer USA Holdings Inc.
State: NE
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:
Santander has refused to remove a fraudulent account from my credit report despite me advising the company that after investigating the account they are reporting, I have found the account to have been opened by someone other than myself. Santander 's attorney XXXX XXXX, advised that an identity theft report must be made in order for them to stop reporting the fraudulent information. I have completed an affidavit with the FTC and would like the fraudulent information to be blocked or removed from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I recently found out about this problem with Midland Funding. i am very upset about this due to the fact that I was never served any legal paperwork, and due to this poor service they have a default judgement against me. I have been losing sleep over this problem, as they are wanting to steal {$12000.00} from me. I remember this XXXX XXXX debt was less than {$5000.00}, and the problem was XXXX  XXXX  tried to debit my account for {$11000.00} instead of {$1100.00} dollars that was agreed upon. When this happened my bank called me and informed me of this, so XXXX XXXX was blocked from withdrawing from my account. This caused me many problems. I have been trying to work with midland  but they are not very nice people, they are difficult to work with, aggressive and not cooperative. If I had money to hire an attorney to file a motion to vacate the judgement because I was never served, I would do just that. unfortunately the justice system is broken and since I have no monies, I can't obtain justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen has constantly harassed and left door tags at our home when we have not been late. Our mortgage is current and our payments have been doubled. I ask about the fees and extra charges but never get a explanation. They have also not accounted for payments causing late payment fees which we should never have had.

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 2019-01-01
Company: Receivables Performance Management, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the 3rd time RPM failed to provide a solid document INVOICE or agreement signed by me for the Alleged debt claimed that I owe. Pursuant to my rights under the Debt collection law, RPM is  trying to collect illegal debt that I do not owe. I have no contracts or deals signed by me to this scam agency called RPM stating that I owe them money. 
They have been contacted by me by Certified mail to provide a solid invoice with a contract stating that I owe them the alleged debt, yet, they keep on sending me the same copied spread sheet that is copied or stolen without invoice number or signatures, and a fake copied letter made by them stating illegal debt. I ask CFPB to please investigate the validity of this scam and force this RPM to delete such scam from the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: American First Finance, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
To whom this may concern On or about XX/XX/2019 I XXXX XXXX XXXX called American First Finance and request all auto debits be stopped as I had fraud on my XXXX XXXX XXXX XXXX ( XXXX ) account and needed to close the account. On or about XX/XX/2019 American first Finance attempted to debit a payment causing NSF charge as well as XXXX believed my account was still opened and active delaying the time it took to close the account. On XX/XX/2019 I called American first to request I letter stated that I had previously requested the auto debits to stop. At that time the customer service rep denied the request suggesting an account credit to which I denied. I then request a manager since I was only asking for a letter. The manager also denied the request. At that time, I requested the manger to set a time to retrieve the security interest as stated in Sec 8 and 11 ( 4 ) on my signed contract, to which the manager rejected the request. 
As such this absolve me of any liability

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
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 is missing that should be on the report

Complaint:
Member since 1982. Even states it on the credit card ( document attached ). Age of account is listed as a couple of months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On my credit report it shows my XXXX XXXX account still in collections. When it has indeed been resolved which means it is no longer in collections and needs to be removed off of my 3 credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation