BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-18
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I agreed to a hardship payment plan to resolve my debt to Best Buy/ Citibank . I agreed to pay $ XXXX/mo. until the debt was paid in full. I was under the mistaken assumption that I would continue to set up each payment online by the XXXX of each month following so I set up the first payment online to be withdrawn on XX/XX/XXXX. I was not aware that the payments would be set up automatically by Citibank/Best Buy. When I went online to check on my account I discovered that 2 payments of {$200.00} each would be withdrawn on the XXXX. When I tried to delete the payment I had set up the site told me I could not do that online and must call XXXX and speak to an agent. 
I called Citibank on XX/XX/XXXX at XXXX XXXX  and was told that one of  the payments would be deleted. However, on XX/XX/XXXX both payments were withdrawn from my bank account. I am currently undergoing financial hardship and this withdrawal sent my finances into a tailspin. 
I then called Citibank again and informed the agent of the extreme hardship this double withdrawal placed on my finances. I was told that 1 payment would be refunded in 3 business days. It is now 10 days later and still no refund to my bank account. 
I called today ( XX/XX/XXXX ) at XXXX XXXX  and informed the agent that I don't even have money to live on until the first of next month. I have been told once again that I will be refunded {$200.00} in 3 business days and if I did not see it in my account by Friday XX/XX/XXXX I should call them again ( HA! ). I asked why I have not received the refund by when I was told she responded that it may have been denied. If so, no one informed me of such action. 
I am filing this complaint now to have it on record and maybe receive some assistance in expediting my refund if it does not happen by the aforementioned date,

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 2018-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXXa was given an option to settle the account off by XX/XX/2018in the amount of XXXX by agency who collects the money for XXXX  XXXX ( XXXX outsources ) so I paid the settlement before the set date on XX/XX/2018 in the amount specified. I have Proof of the option to settle by them I have proof that I pay them, and I have an email from XXXX XXXX that I have a XXXX balance. Now their still reporting to the credit bureau that I have an open balance of XXXX  when it should say that the balance was settled in full and have a XXXX balance. I have all document that proof everything I 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 explanation
Consumer complaint received 2023-08-04
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
I purchased a vehicle with US AUTO SALES in XX/XX/XXXX. The vehicle was purchased with a 3yr/36,000 mile warranty. I started having problems with my vehicle in XXXX Of XXXX. I called the company XXXX. They then told me that I never had a warranty because US auto sales never funded the warranty. Even though it was added into my monthly payment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of Identity theft and have file a Identity Theft Report with the FTC and my local Sheriff Department. I have reported my personal information being stole do to my house being broken into. Afterwards I notice accounts on my credit report that don't belong to me. I have never recieved good and services for this company listed belong. 

I C SYSTEM INC XXXX This collection is the result of Identity theft. Please Delete Immediately!

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 2018-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called the company to pay and they said they no longer had my debt but sold it without proper notifications. The new debt collectors added on many chargers with proper notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
They were some fraud on my accounts last year but since I been unemployed. I havent been able to to call or find out more about it ... Bank of America was more likely have lost some money ... I just want to fix my financial situation to be able to have checking account. 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 2017-11-07
Company: EQUIFAX, 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 filled numerous complaints with Equifax. Equifax has finally responded by removing the 3 loans that were originaly XXXX XXXX XXXX XXXXs # XXXX which were well over 7 years old. XXXX XXXX XXXX XXXX then sold these same 3 loans to XXXX XXXX XXXX These 3 loans have not been removed. They are the same debt that XXXX continues to sell over and over. Selling the same loan over and over destroys my credit and is against the law to do. Equifax still has all 3 XXXX XXXX XXXX on my report last dated XX/XX/17. I have previously stated that they be removed. Equifax continues to be difficult to deal with upon this issue. XXXX and XXXX had the decency to remove them quickly. Why has n't Equifax done so? Equifax continues to drag their feet and it is costing me {$21000.00} in extra interest to be paid because loan rates have gone up and i ca n't qualify with these 3 loan debts which I have asked repeatedly to be removed. I am going to ask for in punitive damages if this does n't get fixed promptly. I am XXXX years old living on a fixed income and need to refinance my house but the the game playing by Equifax still continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018, I received a debt notification letter from XXXX XXXX XXXX ( CCS ) advising me a debt for {$830.00} from original creditor XXXX XXXX XXXX XXXX XXXX. I have no idea what the debt is so on XX/XX/2018 I send the collection company a letter requesting validation for this debt. As a response from my validation letter, CCS states that since they were able to contact me at my address this is validation. I feel like this is not proper validation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: St.John Cobb Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Car accident witch the other driver was at fault and company wanted medical insurance information which was provided but it wasnt resolved ... so I was stuck with a bill that I didnt know I had until the phone calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Harpeth Financial Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Charging me 360 % interest, I can not afford to continue making payments to interest only which is almost half a paycheck. I have a family to support including XXXX children with XXXX XXXX, my wife is unable to work XXXX   the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX I contacted Capital One concerning my automobile loan. I asked for a deferment due to being recently unemployed due to the pandemic. I was denied. I am currently one day past the 10 day grace period. This is the first time since opening this loan that I have been late or needed help. In fact since XXXX I am well ahead of my loan payments. 
Original loan amount : XXXX Opened on : XX/XX/XXXX Current amount owed : XXXX, XXXX Monthly payment amount : XXXX I received an alert congratulating me for the projection of my loan that was to end XX/XX/XXXX to XX/XX/XXXX. 
I plan on making my car payments as soon as I can return to work and plan on finding other work until then. When I asked the representative why I was being denied the deferment she said " I don't know the computer won't let me '' several times. I asked to speak to a supervisor. Literally, the supervisor was on the phone less than 30 seconds to say the same exact thing the representative said. I will attempt again tomorrow, hopefully I will get a different response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was born in XXXX, making me XXXX was and still in high school when said loan was taken out in my name. XXXX, company name XXXX XXXX XXXX Ive contacted them on several occasions but to no avail. 

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. Upon checking my credit, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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 2018-06-19
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2015 I had a mortgage with XXXX XXXX XXXX XXXX, which was transitioning to Dietech Mortgage Co. as I was refinancing my home with XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX was handling the title searches and escrow accounts and disperments of funds. A few months after the closing I stared getting mortgage statements from Dietech again saying that I still owed money. I called XXXXXXXX XXXX who sent them the payoff agreement and copies of the check. Dietech has continued to try to bill me monthly and has kept my escrow account open and had been paying my taxes twice a year and billing be for the deficit in escrow while my new mortgage company, XXXX XXXX, has been paying my property taxes out of my on time monthly payments. Dietech also sent me a paid in full letter in XXXX of 2015 and closed my account and then later re-opened it under another account number and then when I did not pay them the escrow deficit, they sent my husbands name to the credit bureaus causing damage to my husbands credit and higher interest rates on our student loans for the children and car loans. Myself and XXXX XXXX have been trying to sort this out with Dietech for 3 years now. We get different customer service reps with each phone call which causes much confusion on both sides of this problem and many different excuses as to why this hasnt been settled. They also still have their name on my mortgage as they never sent out the satisfaction of mortgage that was needed. I have gotten apologies and promises to correct this error of their as we speak on the phone, and then the next week I call and they tell me it is my fault because I the escrow deficit or something else. I have paperwork from them telling me that they did an investigation and I have an escrow overage of {$5500.00} but I need to pay {$1700.00} first to get that money. The next phone call to them informed me that the money may not actually be in there as they may have paid  something for me. There should be no activity on that account for three years so I dont know what they could have paid. They have both XXXX XXXX and myself chasing our tails with no clue as to how to resolve this. I would appreciate any help or guidance that you may be able to give me. I am at my wits end. Thank you so much!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Medical bill isnt mine but they still report and when I call they are very rude and talk down on 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 2018-11-09
Company: Santander Consumer USA Holdings Inc.
State: GA
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:
My personal information was stolen according to a letter from the IRS/XXXX. Because the IRS/XXXX had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 reached out to transunion to ask that the following inquiries be removed because they were not authorized. I also informed them that I reached out to the creditors as well. 
1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX  XX/XX/XXXX 6.XXXX/XXXX  XX/XX/XXXX 7. XXXX/XXXX XX/XX/XXXX 8. XXXX/XXXX  XX/XX/XXXX 9.XXXX XXXX  XX/XX/XXXX 10. XXXX  XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13.XXXX/XXXX  XX/XX/XXXX I would also like for them to move XXXX XXXX XXXX from my collections account. I contacted them I informed them that account is more than 12 years old. They put false information on my credit report. Also XXXX XXXX   account has been closed it doesn't show on my other report because the account was removed. However tranunion continues to place it back on my report.

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 2021-11-05
Company: DISCOVER BANK
State: TX
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:
When I signed up for a secured card with Discover they offered a return of deposit via check or ACH. Over the last year I have checked online and with several reps that they payment would be returned via ACH and they have all confirmed that. Tonight I was told that check in the mail is the only way. 
I dont know how they can give the option of direct deposit, collect my banking information to make that deposit and then not fulfill that. 
This company is lying to consumers about credit cards and how we can get our money back and collecting sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax, XXXX  and XXXX  have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XX/XX/2017

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 2018-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
My personal information was stolen according to a letter from the IRS/XXXX. Because the IRS/XXXX  had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: United Debt Holdings, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Step 1 : What is this complaint about? 
Tried to submit the payoff information from XXXX XXXX XXXX - Submitted information to the XXXX XXXX XXXX XXXX Step 2 : What type of problem are you having? 
Resolving the issue with all parties concerned. 

Step 3 : What happened? 
Unable to get resolution of how my information from XXXX got in the hands of XXXX XXXX XXXX. 

Step 4 : What company is this complaint about? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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 disputed this account a few times, so today I'm filing this complaint because the credit companies failed to remove XXXX XXXX XXXX XXXX account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. Inwhich XXXX   breach has compromised millions of Americans private information and I'm one of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is the second time I have request a removal of the fraudulent addresses from my credit report, and stated that I am a victim of ID theft. 
My Name is XXXX XXXX XXXX, please remove any other variations of my name. Please remove the following addresses, I do not live at and are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXX, OH XXXX I would like the following phone numbers removed from my credit report as well, they are not mine : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 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 2018-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Trans Union need removed XXXX  XXXX XXXX docket # : number XXXX I never when through a chapter XXXX bankruptcy dismissed I want this removed off my credit report because it hurt my credit report history. And they post this twice on my credit -history on Trans Union this need to be removed I did file bankruptcy did not go through a bankruptcy chapter-XXXX this need to be removed off Trans Union .

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