BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-05
Company: CITIBANK, N.A.
State: DC
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:
On Sunday XXXX XXXX I called Citibank Master Card department to inform them my credit card was compromised and reported 9 fraudulent charges. Please keep in mind the 9 charges took place in XXXX DC ( my permanent residence ) concurrently while I was on travel to XXXX XXXX. Their fraud department should have picked this up and frozen the account immediately. Citibank should have also notified me regarding the suspicious activity. However, I was the one that notified the Citibank credit card. The account representative took down every fraudulent item and assured me that I was not responsible for those charges and would be receiving a new card by Tuesday XXXX XXXX, XXXX. 

On Wednesday XXXX XXXX, XXXX I check my account on line and I have a new credit card with all the fraudulent charges still active which I reported on Sunday. I called Citibank again and was told that the Citibank representative on Sunday did not flag the 9 fraudulent charges. I was told to repeat them again and spent another hour on the phone reporting fraudulent charges for a second time.

I am writing today regarding a formal complaint that this institution ( Citibank ) be investigated for not responding in a timely to fraudulent charges to not being proactive with their fraud department and for not protecting my financial interests. I have lost all trust in Citibank to perform their duty to protect me and my credit card account. To date I have neither received an e-mail or written confirmation that they are correcting my account regarding the fraudulent charges I 've reported twice to Citibank.

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 2020-04-24
Company: Utah System of Higher Education
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
UHEAA, despite servicing student loans originating from the XXXX   XXXX  program, is not adhering to the CARES Act, which calls for the suspension of student loan payments & accruing interest from XXXX - XXXX 2020. 

UHEAA 's about us information ( see here : XXXX XXXX XXXX ) confirms they are servicing direct loans : " Through its XXXX XXXX Loan Services  program UHEAA administers student loans originated under the U.S. Department of Educations XXXX XXXX XXXX Direct Loan Program and XXXX XXXX   Education Loan Program. XXXX However, their COVID FAQs ( see here : XXXX XXXX XXXX  ) state that all their loans are FFEL, which, according to their OWN About Us section is not accurate : " On XX/XX/XXXX, the President announced that I can suspend payments on my loans. Do my loans qualify for this suspension of payments? 

According to the Department of Education, this benefit is only extended to federally held loans. Loans serviced by UHEAA are held under the XXXX XXXX Education Loan ( XXXX  ) Program and do not currently qualify for the National Emergency Forbearance. '' I can provide documentation & screenshots showing that my loan is NOT XXXX & is, in fact, a direct Stafford loan and should fall under the jurisdiction of the CARES Act. I have attached a file that documents this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: RENASANT CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am disputing this attempt on debt from Renasant Bank in the amount of {$2200.00}. This debt was originally owned by XXXX  XXXX  for an auto loan that they charged off on XXXX. Renasant Bank then merged with XXXX XXXX  after and has then since tried to collect on a debt they have charged off on their taxes with their partnership/merger with XXXX XXXX. They are stating that I am delinquent on payment and it is negatively harming my credit report with inaccurate information. It seems they are trying to get double paid XXXX for right off on taxes a two for money out my pocket.

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 2020-04-24
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I noticed i had a fraud alert on my credit report active until XXXX XXXX i thought alerts lasted 1-2 years before re-instatement. I have made serval attempts to have the alert removed temporary or permanetly. I have called the XXXX  and nobody ever answers. I have sent certified letters and nobody responses. I had finally spoken to a representive that supposalbly removed the alert or phone number verfication alert, But, evevytime i apply for credit i get denied do to the alert on my report. i have tried so many times to contact all agencies but nobody answers the phone. I need to remove the alerts and confirm my phone number is updated correctly which it shows on my credit report to be correct.I have had the same phone number for 20 years

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: TENET HEALTHCARE CORPORATION
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Wrote letter on XXXX to SYNDICATED OFFICE SYSTEMS that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of XXXX XXXX XXXX ( A ) ( XXXX ). This law requires all creditors and XXXX to notify me by mail before placing negative items on my credit report. Advised SYNDICATED OFFICE SYSTEMS to removed incorrect information off my credit report. More importantly, SYNDICATED OFFICE SYSTEMS are in violation of XXXX XXXX XXXX ( A ) ( XXXX ). Never received any correspondence from SYNDICATED OFFICE SYSTEMS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: PNC Bank N.A.
State: NY
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/2020 and XX/XX/2020 PNC Bank charged my account XXXX each time without telling me they would do so. They said I signed an agreement 6 years so saying they might do that but haven't produced the agreement. They started these charges right in the middle of the pandemic. Grossly unfair. I contacted them on XX/XX/2020 ( XXXX XXXX and XXXX XXXX ) and they said there is nothing they can do. If it started in normal times I would have noticed right away but these are NOT normal times. Companies should be trying to help consumers, not hurt them, during this time. They said I received emails on this but they never tried to call or send a letter or anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-05
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:
Equifax recently started reporting a joint installment sales account under the name " XXXX '' to my credit report and this is not my account. It is being reported as a past due debt of {$630.00} with account number # XXXX. This has never been on my credit report before until recently. I am constantly monitoring my credit for fraud so I got on top of this the moment I discovered this was on my credit. It appears to a be financial advisory firm in XXXX XXXX. What is strange is that I have never lived in XXXX in my life. I have only lived in XXXX XXXX and now XXXX XXXX. My credit report and address history can confirm this. I called this company at the XXXX number provided on my report and they could not find any accounts in my name nor in my husband 's name. Knowing this information, I know that Equifax is clearly making a mistake. The person who assisted me told me that I would need to dispute this mistake with Equifax to get this off my report. This is the reason I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: EQUIFAX, INC.
State: OR
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:
I called Equifax to dispute fraudulent activity on my credit report after submitting several dispute letters. The representative told me it's their policy not to dispute fraudulent activity and directed me to file an FTC report and a Police report to dispute. XXXX, Employee # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
For over 10 years, I have had a credit card under the name Teamster Privilege Credit card. This card has been managed for at least five years by Capital One. In XX/XX/XXXX, I received notice of some changes surrounding the use of the card in  regards to credit terms etc. When I attempted to make my payment as usual through the website, I received a message that I would need to re-register. This is a first as I have been making online payments without issue for years. After several unsuccessful attempts to complete the online registration, I called customer service to inquire. I was advised that due to my account being closed ( It has been closed for some time without issue ), I would not be able to register and that I have one of several cumbersome choices in regards to making my payment. I can ( 1 ) write a check, ( 2 ) get a money order, or ( 3 ) call customer service each and every month to make my payment over the phone. Essentially, I no longer have the option to view and pay my balance on line. Is it even legally compliant that I do n't have access to view and manage my account electronically? I spoke to several different people during the course of one day, including a supervisor, who confirmed this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX-Date Opened XX/XX/XXXX Amount {$540.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Amount {$23.00}, XXXX -This account is over 7 years old and I would like it removed because it defies the statute of limitations.

XXXX XXXX XX/XX/XXXX Amount $ XXXXThis account is over 7 years old and I would like it removed because it defies the statute of limitations XXXX XXXX XX/XX/XXXX Amount $ XXXXThis account is over 7 years old and I would like it removed because it defies the statute of limitations XXXX XXXX XXXX XX/XX/XXXX Amount {$75.00}

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 2022-04-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX at XXXX am my checking account was charge for a transaction of {$4100.00} via my debt card. My debt card had not been used physically for the over 4 months. My checking account only had roughly {$1400.00} in it, however my Wells Fargo credit card is linked to my checking account as an overdraft feature. My checking account was left with 0 dollars and my credit card was left with the difference of around 3,400. Never in the 15 years with Wells Fargo have a made a purchase of that amount physically using my debit card. I filed a claim with Wells Fargo and the investigation determined it was a valid transaction. This is the same bank that denied me to pull out 4,000 dollars from their bank due to fraud activity when I was physically present and showed them my ID, used the debt card, and pin. I am just mind blown how a transaction at that given hour was authorized.

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 2017-10-05
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have asked my mortgage servicer loan care for a modification. I faxed them my package as they requested along with all documents they needed, and I am yet to hear from anyone about the status of my request. The package was originally sent X/XX/17. I called back 3 or 4 business days later to confirm my package was received, and I was informed it was received and allow 30 days for a decision. I then called back XX/XX/XXXX for status, I was asked to send additional items and I did that same day. I was informed then that it would now be sent to an underwriter for a decision since nothing else would be required. I have called back at 1 a week for status and each time I ask to speak with XXXX XXXX who is my point of contact, via a letter he sent. I never speak to him or nor does he return any calls. I keep asking for status, anything an I get nothing but the run around. This company needs to help customers like myself who lost employment and need help. THEY claim to be willing to help. I 've left several messages, no calls no letters nothing. I ca n't keep borrowing money to pay my mortgage. I also cant risk ruining my credit, I work in the mortgage industry myself and I am required to pass background checks to get a job. I ask that this company be held accountable for their service, as a consumer I have rights.

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 2020-04-24
Company: Midwest Recovery Systems
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I received an email from XXXX XXXX stating there was a change to my account on XXXX. 

Upon further investigation through the app I discovered a false claim that I had withdrawn a payday loan on XX/XX/2020 in the amount of {$1100.00} from XXXX XXXX. ( This is how XXXX XXXX has it listed ) Outside of the TV commercials, I can only assume that it is XXXX XXXX. ( it has some weird guy in a cape offering money in the commercial. ) I do not take out payday loans. Even during this covid-19 crisis I have no need to get a payday loan. 

I will also point out that my credit score was in the mid 700 's but this hit knocked me down to the mid 600 's. 

I assure you that a credit score in the high 700 's does not come from having debt. 

I tried to contact the creditor accusing me of this debit ; Midwest Recovery Systems but this seems to be a fraudulent company. 

When I call, they claim to have high call volumes and put me on hold. There is no music and then after two and a half minutes they ask that I leave a message. I have tried this multiple times with the exact same result. 

I left a message only stating my name and phone number with no other details. This company has not returned my calls and I am not comfortable using their email contact as they are asking for personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Chime Financial Inc
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime bank allowed fraudulent online charges to my checking account via my debit card. These charges were reported as soon as they had been discovered and I closed my debit card. Initially, I received attempted charge blocks for large amounts and then multiple smaller charges rapidly processed. I attempted to dispute the charges and report the fraud, however, their online system would not allow me to dispute pending charges, so I simply closed the card and the next day disputed the charges. Chime has denied my fraud claim and will not share with me the reason for the decline for another 10 days. My card has always been in my possession and these charges came in from out of the country, obvious fraud. I believe Chime has violated Reg E in denying my claims and acting on behalf of a fraud success. Charges processed on XXXX XXXX and XXXX. I reported the fraud on the XX/XX/XXXX, chime denied my claim on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX BANK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

-- COLLECTION ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: EQUIFAX, INC.
State: NH
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$600.00} I have never argued over that supposed debt item because there is no debt item. I have lived up to my agreement and nothing is owed by me. 

MY PROOF of adherence to the terms of the original rental lease is as follows : As per the original lease with XXXX XXXX dated X/X/2011 Monthly payments of {$850.00} were due on the XX/XX/XXXX ( XX/XX/XXXX ) of each month, and considered late on the XX/XX/XXXX ( XX/XX/XXXX ) of each month. 
First of all, the lease payments during my residency did not ever total a monthly amount of {$900.00} ( {$600.00} plus {$300.00} ). Again, as the original lease reads, the monthly rent was a flat {$850.00} ( see attached ) Section 9. TERMINATION OF TENANCY BY RESIDENT Upon the first anniversary of this Lease, the resident may, at any time, thereafter, terminate this agreement by giving the Landlord a written notice of its intention to terminate. The tenancy is then terminated within thirty ( 30 ) days or at the end of the next rental month following receipt of notice, whichever is greater.
DOCUMENTS INCLUDED : Page one of the Original XXXX XXXX XXXX XX/XX/XXXX - Rental termination letter for XXXX XXXX XX/XX/XXXX - Rental payment/final payment for XXXX XXXX XX/XX/XXXX Rental payment for new residency at XXXX XXXX XX/XX/XXXX Rental payment for second month of new residency at XXXX XXXX I, as of yet, have not seen any valid proof of verification of this supposed debt. Nothing of what I have asked for in multiple certified letters has been furnished to me in any way. What I have seen displayed is YOUR willful refusal to provide proper verification as required by law. 

Where is YOUR proof of ACTUAL VERIFICATION of this supposed debt Item? 

Where is YOUR proof of ACTUAL VERIFICATION giving you the right to post this as a negative item to my credit report? 

Where is YOUR documentation! 
Since you have proven that you can not supply that proof, you must remove it from my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My name is XXXX XXXX XXXX and I opened a PayPal account and i became an American citizen about 20 years ago, so my XXXX name is very difficult to pronounce. I made a PayPal account to receive a few payments and when I did, I didnt think too seriously about the name since it was digital and since the bank that would be verified would be under mine, so I used my daughter and sons name as " Name '' section when I opened the account. I received about {$700.00} into my Paypal and even upgraded to a Business account. They put a limitation on my account and said that I needed to send in all these documents to confirm my identity and my business. I sent them ALL the documents needed. They denied my request and will not let me close the account or withdraw my money. The email account linked to the paypal account is XXXX. It has been about 2 weeks since they put a limitation and I do not know what to do anymore. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
just checking my credit report and noticed accounts and inquiries that doesnt belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief