BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
Company: CITIBANK, N.A.
State: IL
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 purchased my vacation from XXXX on XXXX2019 for {$3700.00} and paid in full with my Citi Simplicity Mastercard. I attempted to contace XXXX on XX/XX/XXXX and several times after through phone calls and emails. They posted a letter on their website saying they cancelled all trips ( hotels and airfare ) and wouldn't be processing any refunds and to contact your bank, which I did. I have proof that they cancelled my flights on XXXX  without my permission and refunded the money to XXXX. I also have proof that XXXX never paid my hotel. On XX/XX/XXXX I filed my dispute for services not rendered. On XX/XX/XXXX the dispute was denied because of a {$50.00} credit I had received. New amount sent and many documents as evidence in my claim. XXXX had until XX/XX/XXXX to respond. On XX/XX/XXXX they responded to Citi saying they didn't agree with the chargeback. I still haven't gotten details other than a phone call to the dispute department today. ( XX/XX/XXXX ) It is very well known what this company has done in the travel industry as well as the banks. Every other bank has seemed to have success getting their customer 's money refunded. I am a part of a closed group of over 2,000 customers that have been robbed by XXXX. Overwhelmingly XXXX has given permanent refunds. Citi has given 2, only 2 permanent refunds. Citi should be fighting and getting permanent refunds for their customers.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: LA
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 sent a certified letter out on XX/XX/2022, XX/XX/2022 to XXXX, XXXX, and Equifax. Here is my tracking XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code $ 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 
How did they complete this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: JPMORGAN CHASE & CO.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I wanted to purchase my lease car from XXXX XXXX XXXX. I went to my bank Chase, and took out a loan for the vehicle to include the pay off amount and sales tax - this was through Chase Auto Finance. I was quickly assigned the loan and started making payments, but Chase did not send the check to pay off the car until it was past due, even though they told me they had everything. Now they have sent the check to pay off the loan but will not send the sales tax amount of XXXX - I keep calling and sitting on the phone with them in conference with XXXX and they agree that they will send the check. Then they do not and I receive a call from XXXX saying they can not transfer the title. I do not know what else to do. I have ask several times and the tax amount is included in the loan I am paying on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint requests that PHH Mortgage Services be compelled to credit my mortgage loan account, without further delay, the sum of {$5000.00} earned and creditable in the 6th year anniversary of HAMP modification as a performance incentive, which in my case was due on or about XX/XX/XXXX. 
OCWEN, the parent company of PHH and the servicing predecessor, did not credit the incentive as it was supposed to. Rather, on the eve of the due date, OCWEN transferred the loan to its subsidiary -- -PHH . 
PHH in turn denied the incentive alleging delinquency of over 90 days. However, I contested the allegation because I placed my loan on automatic payment after the loan modification and had no notice of any payment not being received. Following investigations, PHH finally determined that the denial was erroneous and apologized. 
But rather than take responsibility for its and its parent errors and credit my account, PHH chose to further postpone the crediting 2-3 months out, allegedly pending its report to US Treasury Department per its letter dated XX/XX/XXXX. PHH should not be allowed to hold me hostage for its errors even as it continues to charge me interest on the {$5000.00} principal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Im a Capital One customer who thought I held a high-interest account, but was tricked just like outlined in this article. XXXX XXXX XXXX I'm frankly embarrassed that I didn't catch my APY drop from ~1 % APY ( XXXX ) during a low interest rate period, to XXXX APY ( XXXX ) during a high interest rate and inflationary period. 

I feel this is a bait and switch by Capital One. They don't even offer the savings plan they put me in when they acquired my high yield savings account from ING.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
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 a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My wife and I were denied a XXXX XXXX XXXX. 
The reason given was that we opened 5 or more credit cards in the last 24 months. 

I think XXXX has incorrect information and can not get help from Experian to correct or find out what cards I have opened in the last 24 months. 

Many letters and phone calls have been made to both. 

Can you please help me? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX home XXXX cell XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: PA
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:
According to Federal Law 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reportsExcept as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX  XXXX XXXX has been furnished onto my consumer report and this specific furnishing is an extreme adverse item of information which antedates my report by XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: AES/PHEAA
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:
On XX/XX/XXXX I received a letter from AES for me not to pay my student loan because of a new law sign by the president, due COVID 19, my interests will not gain any more, and my account will freeze. Because AES didn't communicate with the credit bureaus, all three of them XXXX, XXXX  and XXXX, my credit score went down drastically ruined my so hard to keep score. Its shows in my credit like if I haven't pay for my loan voluntarily. This need to be addressed immediately. The points the credit bureaus removed from my credit need to put back right away so I can keep on going with my normal life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act the aforementioned accounts have 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 166b A Creditor May not treat a payment on a credit card account late under an open ended consumer credit plan for any reason.

Refuse to block information resulting from identity theft Refused to send proof of validation of debt and full details of the supposed investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: U.S. Auto Credit Corporation
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
on XX/XX/XXXX, My husband and I went to look at a used car from a dealer we have dealt with three times now. We drove that car away that day. The dealer advised he now uses US Auto Credit for lending and someone would be calling me to do a quick identity interview. This was done on XX/XX/XXXX as I have an email confirming I did this call. Prior to this I rec 'd collection calls to make my first payment which I learned was on XX/XX/XXXX before I even completed the interview and frankly didn't even know US Auto Credit was the finance company as the dealer just stated he uses a auto loan company now and we  didn't know the name. Since XX/XX/XXXX the dealership has had to replace the 45 day temp tag on my car several times ( over 125 days total now ) bc the Auto Credit company despite the dealer collecting {$400.00} for my tags and taxes has failed to provide me a tag or registration for my vehicle. I have made every payment until my payment due on XX/XX/XXXX until they provide me my tag, if they don't then the car will be going back to the dealer if I cant get it resolved here and subsequently removed from my credit and a refund of all payments made to the Auto Credit including taxes and tags will be returned even if I have to seek legal counsel assuming it cant be resolved here. Of note, I have had this vehicle insured since I drove it away on XX/XX/XXXX as a safety precaution for myself and my family and I will upload proof as well as proof that I have paid for the tags and taxes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
Company: Experian Information Solutions 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:
I am a Victim of Identity Theft someone Open an account using my personal Information without my Authorization this is fraud

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 2021-02-11
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been consistently disputing and request account validation from this company ever since I saw this account in my report. I already sent a separate request directly to CREDENCE ROOM for account validation, statements, and contract but I never receive anything since then. CREDENCE RM continues to violate my right and reporting this unknown account without investigation or account validation. I am filing this complaint to request deletion of this account that I am not even familiar with the balance they are reporting. This is not mine and this collection company does not have any proof that this belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
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 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 tried for over the past two weeks to get Experian and XXXX  to correct an error of my credit report. I settled a debt with a collection agency. The collection agency sign a settlement agreement and sent documentation that explicitly stated the account has been paid in full and there is no balance due. The account is to be deleted from my Experian and XXXX  credit reports. Instead of these two agencies deleting the account from my credit profile, the balance was adjusted reflecting the settlement payment and leaving a remaining balance due. I have spoken repeatedly with representatives from both agencies and have not gotten any results. I do not understand why these agencies refuse to comply with the wishes of a creditor. The creditor has settled my account and approves deletion, yet the credit reporting agencies have refused to comply. This is very stressful and these agencies are not willing to assist in correcting 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 2020-09-09
Company: Santander Consumer USA 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 is missing that should be on the report

Complaint:
XXXX car was purchased, XXXX car was stolen, Santander was supposed to retrieve car they never did. Car was never repossessed placed on credit report as charge off. XXXX, Santander lost XXXX XXXX dollar law suite which I should be included in because of when my car was purchased and lost. XXXX has removed the loan from my credit report as well as XXXX  but XXXX  has yet to do so even with the evidence that it should be deleted permanently. Santander or the Attorney General of California have yet to make contact with me in regards of how I will receive loan forgiveness and/or compensation for lost vehicle. I am in the process of getting a high security clearance and this is hindering the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Citibank Credit Card service and their customer service aren't professional when dealing with their customers. I have paid this credit card off. They keep calling me to pay it when its paid and settled. This is impacting my credit score. I've tried to solve this problem on my own but they do not assist me. The amount that I'm in collection from Citibank is {$750.00}. I paid this back in year of XX/XX/2012. The account was settled for {$450.00} paid off. I never received a letter stating my account was paid off. They wont help me but they keep calling to get their money which already did.

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 2022-03-09
Company: AES/PHEAA
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: Account information incorrect

Complaint:
Someone used my info to enroll in school and I would like it removed of my credit report immediately. Please and thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
The lease was turned in on XX/XX/2020 to XXXX XXXX XXXX, and the dealership provided me with a dated document stating that there were 2 keys turned in with the vehicle. 

I called in on XX/XX/XXXX and was told where to send the documentation showing that there were both keys with the vehicle and that they would provide a response within 24-48 hours. I have yet to receive a response and they did confirm that the documentation was received for both keys. 

Now, I have a balance due for something that is not a valid charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
Company: EQUIFAX, INC.
State: OK
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: ALLY FINANCIAL INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ALLY Financial ; has denied my payments and returned many debt notes back to me and has reported to the reporting agency for months late with payments that was never late and has kept me from future consumer goals.

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