BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/XXXX and also on XX/XX/XXXX I sent a debt validation request to transuion XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX both via certified mail. The account in question is XXXX XXXX for the amount of {$290.00}. According to the fair credit reporting act I have the right to have this inaccurate information removed from my credit file after not receiving adequate validation of this debt in question. I have disputed this information to transuion 3 times to no avail. Transuion 's unwillingness to assist me I'm this matter is a violation of my request and I am asking that this inaccurate information be removed. I have received a response from transuion stating that this information will remain on my credit file as they have verified it as accurate. Transuion 's verification does not constitute as validation, which is required by law once I have requested it. The debt being reported by TransUnion / XXXX XXXX is inaccurate and it does not belong to me therefore I have requested validation for this account which I have not received. This is a violation of my rights according to the fair credit Act and the debt collection practices. I have NOT RECEIVED ANY VALIDATION OF THE ACCOUNT IN QUESTION. And the required time by law has passed.

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 2018-05-24
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/XXXX, I made a payment by phone to my XXXX Citi Card.  They asked me if I wanted to set up automatic payments. And I repeatedly and emphatically said no because there had been a previous problem where they automatically charged the full amount due rather than the minimum payment and overdrew my bank account. 

This week, even though I had not authorized automatic payments, Citi charged my bank account AGAIN with the full amount due and overdrew my bank account by over {$1000.00}. Thankfully my bank declined Citi 's overcharge due to insufficient funds today, but I was charged a fee for that. 

I called Citi customer service yesterday as soon as I saw the error, and although the representative apologized and tried to refund the overcharged amount, she said it will take 2-3 days to actually reappear in my account. She offered me {$30.00} in rewards points, but that is not a sufficient solution to the problem. I asked her to have a manager listen to the XX/XX/XXXX phone call where I refused automated payments, and she said someone would do that and call me back. It has been over 24 hours and I have not received a callback yet. 

It is unacceptable and should be against the law to charge someone's bank account automatically without their permission, especially in an amount so much higher than the minimum payment due. I also believe it is unfair for me to be subjected to possibly significant financial consequences and hardship due to Citi 's error.

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 2015-06-04
Company: SYNCHRONY FINANCIAL
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
TJX TJMAX said that I have an account and I told them that it did not belong to me. They have since destroyed my credit report and I want it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Repeated FORCLOSURE attempts with People United Bank, received {$30000.00} grant what I signed for but {$50000.00} put on title of my house. No one seems to know what happened to {$20000.00}. This is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX XXXX {$9700.00} XXXX XXXX XXXX {$380.00} XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$35000.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I was disputing an account with XXXX XXXX being reported on my transunion report. I have already disputed with XXXX and XXXX and they have remove the account. Transunion is not complying to provide investigation results to show that the account has been validated. If they are unable to provide their investigation results then I am asking that they remove this account. 

I have included a screen shot of my current report showing XXXX XXXX account removed.

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 2018-06-22
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello CFPB, I was recently notified of my personal information was apart of that huge XXXX   breach. So the steps that I took was pulling my credit report to look over everything on all 3 credit bureaus and noticed accounts that are definitely NOT mine. I've had to freeze all credit bureaus and send out dispute letters certified in the mail to all three credit bureaus and validation letters to the unknown credit collectors. One of the original collectors on just my Experian report is really shady, meaning i looked them up on XXXX search and they are permanently shut down and the collector for this so called original collector website is unsecured, so I didn't want to go much further. I did send out a certified verification letter to this collector stating that they need to verify that this account is mine, because i have never in my life heard of them or the original collector. I also know for a fact that I did not initiate any kind of loan or credit card at this time in my life. This creditor is names XXXX the collectors name is XXXX XXXX XXXX. Both of which I have never once heard of and know for a fact that I never applied for any sort of cc or loan with these companies at any point in my life.I do have copied of these certified receipts from USPS and screen shots of the investigation on XXXX that I have done concerning these two companies. I have asked the 3 credit bureaus to make sure and get validation for all unknown creditors on my credit reports. 
By validation, they need to send me proof of my actual signature of these so called debts that they are reporting. I do know my rights and I do know that I have been a victim of Identity theft and now, this has put such a burden on my life, with freezing all credit bureaus and now i have to pay {$29.00} a month to monitor my credit report, so nothing else is added that isn't mine. As of right now it seems as nothing has been done, but i know for a fact that the credit bureaus have received my certificated and notarized verification letters. The sad thing is, that They continue to keep this false information on my credit report and seem to take this lightly, as of right now all three main credit bureaus have just 2 more weeks to finish their verification. If you would like to see the information about this particular creditor that I am speaking of above, please feel free to contact me.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 non-monetary relief
Consumer complaint received 2018-05-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018, someone withdrew {$160.00} from my account at a wells fargo bank. I did not authorize this or anyone to use my card. To my knowledge, my card was in my possession ; however when I filed my claim for the false transaction, wells fargo representative stated my original card was used and denied my claim. I don't understand how it was possible for my original card to be used in XXXX XXXX, CA. On the date of the transaction, I was at a funeral 30 miles away that entire day. In short, I did not make the transaction and did not authorize it. And because I couldn't explain to their liking how the money was stolen from me, they denied my claim. I am the victim of theft and because I can't explain how it happened, they won't give me my money back. This is so unethical. I don't know who else to turn to.

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 2017-01-17
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Issue: Payoff process

Complaint:
I have a TJ Maxx credit card and every single time I check my account online it makes me change my password. I put in my user name, confirm the picture used as another security benefit, enter my password and after all of these are completed. It makes me answer security questions, enter my credit card number, and lastly, change my password which can not be a previous password. I check my account from several computers/mobile devices and do not always have the card with me. When I go to pay my bill, I am denied access because I dont have my card/account # and denied because my password is incorrect. Which have subsequently caused me late charges on more than one occasion.I have called and sent messages to the company ( and synchrony bank ). I am now paid in full and trying to cancel my account and realized again, my credit card is at home. I have entered the correct password, confirmed photo pin, username and security question ( I know this because If i enter an incorrect password/username/answer it doesnt alow me to continue to the next screen ). But can not close my account which has now put me in a fit of anger to send this complaint. I am to blame for the small mistake of not having my card on me at all times, but that is a little insane to have me jump through XXXX different security obstacles and still be denied. I am not seeking monetary reimbursement for late fees but anything that looks negative on my credit report I would like reviewed and changed

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 2018-05-24
Company: Quality Asset Recovery LLC
State: NJ
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: Billing dispute for services

Complaint:
As of XX/XX/2013, the amount is XXXX. I was a student living in Maryland.

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 2015-05-14
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX sold my home loan to Green Tree but failed to transfer my loan modification that had become permanent and was wonderful. It took me 18 months to get this information transferred at which point the home was delinquent, I moved out of it XXXX 2013, and they said that the only way to get the payments to the modified amount was to back pay {$17000.00}. This is an impossible task for a single parent of a young child in child care, without child support, and working 6 days per week just to make ends meet. This mishap put us in a poverty stricken, high crime, area paying {$800.00} rent for the last 26 months whereas we could have remained in our home, in a great area, brand new, for {$1100.00} had they originally transferred the amount. After all, I did put 10 % on the home and at one point worked XXXX jobs to maintain the {$1500.00} house payment and my XXXX credit score. It was by the recommendation of the representative at XXXX XXXX XXXX that I initially became delinquent to obtain the modified amount. Being unable to repay the {$17000.00}, I was forced to either have a foreclosure or short sale. I had several offers on the home in XXXX but in order to even begin a short sale, it had to be listed for sale publicly. I did this. Then I submitted paperwork upon paperwork to Green Tree with it being lost each time. Finally after six months of going around in circles and the offer being retracted due to time, I submitted my first complaint through this site. It was after submission of this complaint, they finally began responding to me. I made the home active again and immediately had another offer submitted. Green Tree countered the offer and the contract was retracted within 2 days. The home was immediately made active again and 3 offers flew in within one day. One of these offers is {$200.00} above asking price which is the amount of the principle pay off. Also note, during the showings of the home, the stainless steel stove/oven was stolen so now the home is being sold without and they still offered {$200.00} above asking price. Now that the offer, short sale addendum, mineral rights, etc. have all been signed and submitted ( within 3 business days ) ; they are requiring that I begin this process all over again at which point I will lose the offer of {$190000.00}. I have been doing everything possible to save this home and I am not getting any assistance from Green Tree. Not even something as simple and being helpful. My poor realtor has worked more than one ever should and we are tired of constantly going back and forth. They will lose much more money if I let it go into foreclosure ; I am trying to help everyone involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
JP Morgan Chase, the issuer of my XXXX XXXX card charged me {$25.00} late fee because they claim I did not make the minimum payment of {$25.00} for the billing cycle ending XX/XX/XXXX on time. This is a false claim. My total balance for the previous cycle ending on XX/XX/XXXX, was only {$60.00} but I paid {$200.00}, meaning I had {$140.00} credit with Chase to be applied for the next month, XX/XX/XXXX. Chase recorded the {$200.00} payment on XX/XX/XXXX. During the next cycle I used the card for other purchases for a total of {$360.00}. Chase applied the {$140.00} cash credit from previous cycle and my balance came to about {$200.00}. So, the {$140.00} of my money that I had at Chase was used and credited toward my XX/XX/XXXX billing cycle. Therefore, I had the peace of mind that I did not have to worry about the minimum payment and did not make one. However, Chase still charged me late fee because they claim that even though they had my money and that money was used as a payment to my account that does not count as a payment. This is unfair business practice and I am sure I am not the only victim of this kind of creative accounting by Chase. In my view since at the beginning of the billing cycle I did not owe anything on my account and actually Chase owed me {$140.00} then they can not claim and late payment against me during the next cycle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-28
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Send debt validation letter on XX/XX/XXXX. Debt validation letter was delivered via USPS certified mail on XX/XX/XXXX. Company has not responded. 

Tracking number : 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 2020-07-02
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Two things first of all : I have a credit card from U.S Bank National  Association. It is a XXXX XXXX Mastercard. Also, I have NEVER used a debit card in my life ( I'm XXXX years old ). I did not request this debit card and do not plan to ever use it. I've tried to call the company many times, but can't get through. They have no contact info for an e-mail on their web site so that's the reasons I'm writing to you. More troubling is that they sent one to me and one to my wife. She passed away in 2018! I would really like to know why they took this action. 

Please note that I have provided the card number on the next page, but have NOT activated it for obvious reasons already stated.

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 2018-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The company name is Capital One : I inquired on XX/XX/XXXX as to the reason my account was overdrawn, I saw a membership fee of {$39.00} & a interest accessment of {$9.00}. This caused my account to be over drawn by {$22.00}, I called the office on the date above and the representative informed me that because they valued me as a customer that the interest fees and membership fee would be reversed by close of business on Monday the XX/XX/XXXX, I waited until Tuesday the XX/XX/XXXX and noticed that the charges were still there. I called in and spoke to XXXX XXXX ID # XXXX, she stated that she could not reverse charges even thought I was told that they would be, I requested to speak with a supervisor, I got XXXX XXXX ID # XXXX who identified herself as a supervisor. She stated that she would resolve the issue and said she was sorry for the inconvenience, after waiting on the phone for over 45minutes, she stated that their was nothing for her to reverse and she was the final word on the matter. I requested that the recording on the XX/XX/XXXX be reviewed, she said she would do it for training purposes only. 
I told XXXX XXXX I was filing a complaint, I asked to speak to someone higher up in here office, she stated that she was the final word on the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-21
Company: CASHCALL, INC.
State: LA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Illegal interest rates charged in Louisiana by XXXX/Call Call/XXXX. Also these companies may not be licensed consumer lenders in Louisiana. I have paid back over 3 times the amount I borrowed. This situation has caused a strain on my marriage. My interest rate was at or above 139 %. Louisiana interest rate cap on personal consumer or revolving loans is 12 %. I am using this complaint as a cease and desist letter. I borrowed {$5000.00}. and paid back {$16000.00} as on XX/XX/2015. Does that seem fair!! I know you are helping other states so please help Louisiana residents too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
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:
XXXX is violating section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello my name is XXXX XXXX I've been a victim of identity theft I was trying to rectify the situation by calling all three of the bureau 's XXXX  XXXX and Transunion I wasn't able to rectify the situation I wasn't able to get in touch with anybody I've been put on the whole for about morning 30 minutes each time I would like help with this situation 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 2019-09-08
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A law office try to charge me for a service that l don't really know about it

Company response to consumer: Closed with non-monetary relief