BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is not a duplicate complaint. I filed a complaint in regards to my XXXX XXXX XXXX XXXX ending # XXXX not a XXXX XXXX  account handled by XXXX. To date my complaint in regards To the XXXX XXXX XXXX XXXX ending # XXXX, has not been acknowledged by all parties. 

On or around XX/XX/2022, I filed a complaint with the CFPB against, XXXX, TransUnion and XXXX, XXXX for refusing to report my XXXX XXXX Preferred card ending account # XXXX. 

In my complaint I did not say XXXX XXXX credit card handled by XXXX I specifically wrote in my complaint that XXXX is refusing on report XXXX XXXX XXXX card ending account # XXXX. 

Instead of XXXX properly investigating the right account and acknowledging the core competences of my actual complaint file with CFPB in regards to my XXXX XXXX XXXX card, XXXX used another delay and fraudulent tactic by responding to CFPB with a different account with full knowledge this was the wrong in account in question further delaying reporting of a line of credit and history in good standing effectively lowering the credit scores of Americans of XXXX descent. 

On or round XX/XX/2022, I received my TransUnion, XXXX and XXXX credit report and noticed they are inaccurately reporting my XXXX XXXX XXXX card ending account # XXXX current open line of credit with excellent payment history as an account in dispute without payment history I have never contacted XXXX or the three credit bureaus and disputed XXXX XXXX XXXX card ending account # XXXX line of credit. In addition, XXXX refused to report any payment history for this account or current balance left this information blank effecting my debt to credit ratio, effectively impacting the credit score. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. 

I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practices and hold XXXX accountable. 

I want CFPB to investigate XXXX fraudulent responses CFPB consumer complaint and how using other wrong account information to respond to consumer complaint to deflect their deceptive business practices on the right account held by XXXX. 

I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.

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 2023-12-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: DOLLAR MUTUAL BANCORP
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 information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States i have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: Experian Information Solutions Inc.
State: NM
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:
Experian is not responding to any of my numerous requests to investigate, verify and remove  XXXX  account from my credit report that does not belong to me. They are not responding.

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 2023-08-26
Company: General Motors Financial Company, Inc.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have been paying for my car with GM financial for over 3 years I have just paid off my {$38000.00} student loan and have been tracking my credit on credit sesame very carefully. I took my last deferment for XXXX and XX/XX/2023 with GM financial and starting XX/XX/XXXX I was to go back to my normal {$280.00} payment with GM financial. I have screenshots of the conversation I had with the representative in XXXX saying that I only needed to pay {$110.00} something and I would be deferred for XXXX and XXXX and to start making payments again XX/XX/XXXX. This means that if I were to pay the {$110.00} in XXXX I would have no late fees for XXXX and XXXX and starting XX/XX/XXXX I will go back to the normal payment. I have photos of the conversation with GM financial I have photos of the payment that was made that I promised and I have photos of my dashboard from GM financial as that is how I make my payments. I have been watching my credit very carefully because I just paid off my student loans with credit sesame and according to them I am 2 months behind on my car payment and I am in Jeopardy of losing my car by repossession. I continue to get on GM financial and all of my statements say that I have over {$100.00} in late fees and I owe over {$400.00} right now which is totally incorrect. I was supposed to make my regular {$280.00} payment XX/XX/XXXX and I have proof on the GM financial statement and for my bank account that shows I made a payment on XX/XX/XXXX of XXXX. My GM financial dashboard as of today says that I am behind 2 months still and I owe over {$400.00}. I have tried numerous times even calling as I don't like to do because that leaves me no proof of anything to try to get this situation dealt with I need to make my XXXX payment but it still says I'm 2 months past due and nobody from GM financial will help me I have constant creditors calling my cell phone so I rarely answer my phone if it's a number that I don't know I also had someone call yesterday and threaten repossession. If you could contact me by email first and then I will call you back that would be appreciated as I don't answer my phone call because so many creditors are calling me right now I'm very nervous my car is going to get taken from me and I just want what is owed to me and that is my dashboard saying what I really owe no late fees and it taken off my credit report I just want to make my payment. Okay hold

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: WSFS FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I contacted them, because I authorized a transaction into my bank account through XXXX. XXXX mistakenly sent the money to a different bank not associated with my account. I contacted this bank and they basically told me they couldnt help me because the money was sent into one of their customers accounts. They then proceeded to tell me that Id have to reach out to said customer. I asked them how I could do that and they told me they legally can not disclose any information and they couldnt help me with anything. I dont know how Im supposed to get MY money back from them when they are refusing to help me nor do I understand that they know the money was sent into an account but are telling me they dont know who and cant help me find out.

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 2023-12-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX reported a 30 day rating under XXXX XXXX on my credit report. This company had a system issue in regards to processing automatic payments, resulting in my credit card balance becoming past due. I should not be penalized for this company 's error. 

This is the only delinquency reported on my credit report and it has been detrimental to my future endeavors, including buying a home. I should not have to suffer from XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: Bay Equity LLC
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We recently purchased our home. Bay Equity is the mortgage holder. Bay Equity apparently sold the loan to XXXX. The sale of the loan, we are told, closes on XX/XX/2023 ; however, and for the past two weeks, both of the Lenders have reported the same loan to all three credit agencies. We have only one loan! We have tried to get this addressed and rectified ; however, we have been told essentially that " too bad '' and it will get fixed at some time in the future. This is entirely unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In early XXXX of 2023, {$25000.00} was stolen out of my equity line. I still have yet to be refunded by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, 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:
There are numerous accounts being reported on my credit report that I have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
There are two negative collection account being reported on my credit file from the following two collection companies : 1 ) XXXX XXXX XXXX XXXX {$1600.00}. collection acct from XXXX XX/XX/XXXX.It XXXX XXXX XXXX shows on my report as the acct was opened on XXXX XXXX, MN XXXX XX/XX/XXXX. THEIR ACCT # XXXX XXXX * THE ACCT XXXX XXXX XXXX WAS CLOSED IN XX/XX/XXXXAND PD. THE DATE OF THE 1ST LATE PYMNT WOULD BE WELL OVER 10 YEARS AGO. COLLECTION CO IS ACTING ILLEGALLY BY REPORTING THIS TO CREDIT BUREAUS AS THE ACCT IS WAY PAST THE LEGAL DATE FOR IT TO BE ON MY CREDIT FILE. ALSO, NO ONE HAS MY SIGNATURE IN ORDER TO OPEN THE ACCT. 

2 ) XXXX XXXX XXXX A {$57.00} collection acct from XXXX XXXX  XXXX opened XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX, GA XXXX ACCT WAS CLOSED OVER 7 YEARS AGO, AND THE DATE OF THE FIRST LATE PAYMENT WAS IN XX/XX/XXXX.I AM NOT AWARE OF ANY AMOUNT DUE ALSO. 

IT IS NOT LEGAL FOR EITHER COLLECTION CO TO REPORT ANY DEBT TO ANY CREDIT BUREAU BY FALSIFYING THE AGE OF THE DEBT INVOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Chase credit card statements mislead consumers into believing amounts labeled under " Interest Savings Balance '' will not incur interest since they represent ongoing balances from interest free promotions. However, when the interest free periods expire the expired amount is not removed from Interest Savings Balances on statements thereby luring consumers into not paying those amounts before Chase charges >29 % interest. Though the interest charge I disputed was {$100.00}, I believe Chase knowingly misled me and many others into paying interest I would not have paid had I not been mislead. 

I phoned Chase customer service on XX/XX/2023 at approximately 3pm and spoke with a supervisor who acknowledged it would be reasonable for customers to assume amounts noted on statement headings under " XXXXnterest Savings Balance '' would not incur interest. However she told me that if I read to the end of the statement there was a section that notified me of amounts I would be charged interest on. Since I relied upon the amounts shown under the interest Savings Balance at the top of the statement I saw no need to read through the entire 4-page statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
I received 4 letters from my Citibank with the same writing and reference number ( XXXX ) regarding my 4 accounts there, and it says based on our policy we reserve the right to close your accounts at any time and they gave me till XXXX to move my money before they close my accounts. 
Two of my accounts are 12 month CD which if I close them have to pay penalties for that reason I called Citibank to let them know that they want to close my account I should not get charged since is not my choice, but they are insisting to charge me for early withdraw. 
To me is a kind of fraud to keep the customer money for several month and for no reason force them to close it and charge them too. 
today I spoke to their agent and his supervisor both did not give me their full name just the first name XXXX and XXXX and the number I called XXXX my branch address Citibank XXXX XXXX XXXX XXXX, ca 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 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
I had a credit card with XXXX Bank opened on XX/XX/XXXX. During the first two years of this account, I had no issues. In XXXX I experienced health issues and was unable to work or pay my credit card bill. I made XXXX bank aware of this and was informed that there was nothing that could be done at the time. Ultimately the account was closed and charged off. When I was finally able to return to work and repay my credit obligations I contacted XXXX bank who informed me of the balance due. I made restitution in full based on the balance I was given ; only to find out later that there was still money owed but they wanted a quick resolution to this issue. When I recontacted XXXX after reviewing my credit reports I noticed two things about how it was reporting. One, the balance was paid in full for less than the total amount. I never agreed to this. Two the account is still reported as derogatory. I did inform Citizens that I wanted to pay the debt in full and have it cleared that I paid my entire amount owed back. I also wanted them to report the account as paid in full and closed once the remaining balance was satisfied. To date, XXXX refuses to allow me to pay the remainder of the balance and is still reporting the account in a negative manner. I would like this corrected. The first time in history I have ever seen a bank not want to be repaid for a debt owed them.

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 2023-08-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
5/3 Bank charged me {$30.00} to send my debit card express mail to me. Their customer service told me XXXX receive my debit card in 2-3 days. Its already been 5 days and I havent received my card. I requested the bank to refund my {$30.00} express mail fee and the bank will not refund. Why should I pay {$30.00} for an express service that I did not receive?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I requested the original documents in connection to this debt with TD BANK, NA. They repossessed my car on XX/XX/XXXX, sold it around XX/XX/XXXX, and since then has sold debt to XXXX XXXX XXXX XXXX, but TD BANK, NA is still reporting to my credit report monthly and adding increases but has failed to send me any of the information I've requested. I sent the request for information on XX/XX/XXXX, it was sent certified mail, delivered and signed for on XX/XX/XXXX according to the return receipt that I received back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Affiliate Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Pendrick Capital Partners II, LLC has tried getting money numerous times. It all started from an emergency bill that I waited to get and never got it because they kept sending it to an old address in XXXX from XXXX XXXX XXXX. Finally, I had received the bill months later after the incident from a creditor and paid it off immediately ( I have proof of ). Then in XXXX, I received another bill from the same creditor trying to claim I owed {$1000.00} and they dropped my credit score very low. I reported it to you guys and it came out to be fraudulent and my credit score went back to normal. I am not receiving another outstanding balance from the same creditor for {$66.00}. THIS IS FRAUD! It is already paid off and I do not understand why this creditor keeps trying to take money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
on XXXX XXXX, i went to TD bank branch to do wire transfer. i did the wire transfer. i was told the wire will be available by XXXX XXXX after XX/XX/XXXX, i contacted TD bank telling them the Recipient didn't get the money. i was told the bank will investigate. kept calling every few day and every time i get different message. about XXXX XXXX received call from TD bank stating the wire was returned due to recipient bank doesn't receive money in US Dollar. i told them i always send money to the same account using other banks and never had issue. i said okay when will the refund will be available in my account, they said 3-5 business day. until today i still didn't get the refund. i call 2 times a week. every time the bank say something different. first they said the wire on hold with the Recipient bank. i contacted the Recipient bank and they said they never received the wire. nothing in their system shows the wire was received or retuned or rejected. the Recipient bank did check and told me the wire in hold by XXXXXXXX XXXX in XXXX. i contacted TD bank and i said the wire in XXXXXXXX XXXX and they said ohh yeah XXXX XXXX  is our middle bank and we will investigate. since then nothing happened and every time i call, no information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-25
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
American Express has a platinum charge card of which I've never missed a payment. Because I'm not using the charge card as they completely desired but still within the legal scope of which I'm allotted per their contractual agreement they are financially squeezing the account causing various malicious and malinformed reports for example they're making it seem like I'm using 100 % of the borrowed some but it's because every time I make a payment they lower it. They also are declining charges because of this algorithm and refused to review it or let me speak to somebody about it. I'm following their contract to the t. That's in addition to they're double dipped interest fees that no one for some reason has claimed in a class action lawsuit but that's beyond me. I have never missed the payment and have followed their instruction and their rules and regulations but they remain uncooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: HYUNDAI CAPITAL AMERICA
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I recently bought out my lease from Hyundai Motor Finance, but have not received my title despite having made the payment in full. 

According to Hyundai Motor Finance 's official letter, they have received my payment and marked my account as fully paid off on XX/XX/2022. According to their website, I am supposed to receive my title within 10 days. However, they have not processed my title release at all. I have talked to customer service a few times to no avail. Searching online, this is a common problem customers have with Hyundai Motor Finance.

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