BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-01
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I hope all is well.. 

I would like to state thank you very much for giving me a credit card with your company for all these years. Its very much appreciated. The first time in all the years I have had my credit card during the pandemic of the Corona virus I was late a couple times for the first times. I really do apologize my hours were reduced and I had a baby as well. It will not happen again because Im back working my regular hours and my newborn and son are in daycare while I work or my mothers watches them. Im about to pay the card completely off and as a courtesy can you please take off all the late fees that occurred because it was the pandemic fault. This will help me out a lot, I really do apologize this my first time being late a couple times ever since I started with the credit card. Please take all the late fees off. I will be paying the credit card off in the next couple of months. I really need the late fees off it will really help me. Thank you very much. Have a wonderful day and please be safe. 

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 monetary relief
Consumer complaint received 2023-03-03
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I have a leased vehicle with XXXX XXXX XXXX XXXX which is a buy here pay here dealer. on XX/XX/XXXX they abruptly and permanently closed their business with no notification to the customers. They in turn sold our information to debt collection agencies. i am filing this complaint to get the title to the vehicle i was purchasing.

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 2023-02-21
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:
i never gave Equifax my explicit written permission to report my private information. I'm seeking compensatory damages and asking for my private information to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
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:
My son XXXX wanted to pay off my car since he was XXXX in XX/XX/2017, helping the survivor victims in Puerto Rico. I have continuously received poor customer service from Citizens One employees over the phone and in person at the branch. My account number is XXXX, I have been given the wrong pay off balance since XXXX, I have gone into the branch and they have refused to accept the check my son sent me to pay off the car. In an attempt to finalize the car payment he went online and paid off the majority of the balance leaving a small balance of less than XXXX XXXX dollars. I went into the branch and was told that since the car was paid in full that they will stop taking the monthly payment funds out of my checking account. I was advised to mail in a check of the sixty something dollars to the pay off department. I did that and the bank went ahead and withdrew the full monthly car payment amount after the car was paid in full and cash in the XXXX XXXX dollar check that was suppose to be the final pay off. I disputed with my bank the unauthorized car payment deduction and now Citizens One bank refuses to send me my car tittle, they have sent me numerous letters one stating that my car was paid, then another one saying that they are sending me to collections and a third one stating that I have to pay for a replacement tittle for the car when they have never sent me the original tittle in the first place. I am a senior citizens and do not understand all this confusion, no one in the branch is willing to help me and over the phone I continuously get wrong information, pending balances and rude service. It is the banks responsibility to issue a tittle once the car is paid off, I have gone to the Motor Vehicle Department and was advised that the bank is issuing a lost tittle claim so I in return would have to pay XXXX XXXX dollars for a replacement tittle.This has been the worst experience of my life trying to get a straight answer to a pay off quote, if my car is indeed paid in full and to try and get my tittle to the car my son paid off for me so I wont have that bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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 is missing that should be on the report

Complaint:
XX/XX/XXXX2022 I received my citi bank card with credit limit of XXXX XXXX refused to report it after XXXX sent me 2 lettersXXXX22 and on XX/XX/XXXX22 that they sent letters to all 3 credit agencies that they update my file and that have been reporting to all 3 major consumer reporting agencies. XXXX has been inaccurately putting the wrong credit information. equifax accurately reported it no XXXX/XXXX/2022. I don't understand why I have to worry about an agency that is supposed to report information they receive and verify it's accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: LD Holdings Group, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, My mortgage company ( loanDepot NMLS # XXXX ) have failed to pay the taxes out of the escrow account that I have been paying into. I have called and talked online with them at least 5 times as well as emailed to their tax department. They claim they've paid the taxes on XXXX ( they were due by XXXX ) by wire and show withdrawal from my account, however the town have not received the payment almost a week later. And they only sent the original amount without interest accrued as a result of missing the deadline. Please help. 

Thank you! 

P.S. Last communication was via online chat with employee XXXX XXXX said the identification is XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: OH
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:
I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. ( The late payments are different for each Credit Bureau ). I screenshot the attached payments from XXXX XXXX website. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX XXXX : ending XXXX. 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks, 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 2021-06-01
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
During the height of the COVID-19 Pandemic, someone accessed my personal information and proceeded to open a checking account with a banking institution. Once opening an account they proceeded to use fraudulent checks to deposit and withdraw in an account in my name. I had no knowledge of this account as this wasn't an institution that I banked with previously. I was made aware of the problem once a notification was sent out via mail that the particular had been closed out. I tried calling the bank 's customer service representatives however during the pandemic waiting hours on the phone were 4-5-6 hours long. As a result, I was not able to get in contact with the banking institution until this year. All of this has affected my relationship with other institutions and negatively affected my credit. The particular institution did send me an identity theft packet and this complaint is for the records of the FTC and the bank. The checks were deposited and cashed in Mid XXXX, Early XXXX of 2020, and the amount of the checks were {$1700.00} that is said to be owed from the fraudulent checks deposited into the account opened using fraudulent information. Chase Bank soon thereafter closed out the account with a negative financial inquiry under my name and identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Thought there was a mistake when I initially applied for a balance transfer it never went through online so they took the application on the phone sometime past I called them to check on the status and they said there was a problem I then asked them what the problem was and they said that they needed more information because there was a security fraud issue and did not elaborate error they evaded the question I found out later when I called XXXX was that I had a credit freeze on my account that they probably couldnt access it and that I should call Discover back I called them back and tried to straighten it out and they said that XXXX wanted a form filled out to confirm some information and I asked why is it necessary and they evaded the question several times during 3 conversations they wouldnt answer me directly ; subsequently I called XXXX back they g they said that there was there really isnt much They can do. guess they can just get away with cutting me off from my own account that was always paid on time had excellent credit for no reason they wanted to re-verify everything and I did expect this not with my credit history. I unlocked my credit report when I talk to XXXX and they can access my current information and my on time payment history including paying off their card but they refuse to cooperate and I have o account or rights apparently. XXXX denied they had anything to do with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: EQUIFAX, INC.
State: FL
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate personal information on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand this inaccurate personal information be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
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:
This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have  got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I did a promotional balance transfer for {$12000.00} with 0 % interest until XX/XX/XXXX. The transfer occurred on XX/XX/XXXX. When I received my XXXX bill due XX/XX/XXXX, I paid the purchases that month in full of {$970.00}. When I received my XXXX bill due XX/XX/XXXX, there was an interest charge of {$3.00} based on {$160.00} of purchases. I called and spoke with a representative on XXXX and questionned the interest charge. I was told that they would waive the fee ( which they did ) and that to avoid this in the future, I needed to pay the purchases in full each month plus the minimum payment due. I paid the total purchases of {$49.00} and my minimum payment due of {$120.00}. When I received my XXXX bill due XX/XX/XXXX, there was an interest charge of {$4.00} based on {$230.00} of purchases. I called on XXXX and complained and I was told that it's a computation I'll have to complete each month by taking the new balance less the balance transfer and pay that amount. I actually paid more than that amount so the answer makes no sense. She waived the charge again but I have no way of determining what they are charging or why when the transfer balance should be {$0.00} interest and I am paying my purchases in full plus an additional amount. The customer service is terrible and they never have an actual answer as to why the interest is being charged or how the amounts are calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have been trying to dispute errors on my credit report. I am unable to log into my online account to dispute the errors. I called TransUnion and they can't and won't verify over the phone because my employer listed is wrong as well as other information so I am basically verbally unverifiable and have to be done manually but no one is doing anything manually or electronic and I have written them letters -about 5 or 6 already about the wrong names and wrong addresses and collections and inquiries without any results. They just continue sending me credit reports and that is not what they should be doing. They should be investigating the issues that I have written to them about.

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 2020-07-20
Company: Experian Information Solutions Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I DO NOT OWE THIS DEBT. IT WAS INCLUDED IN MY BANKRUPTCY WHICH WAS ALREADY DISCHARGED. ATTACHED, YOU WILL FIND A COPY OF MY BANKRUPTCY DISCHARGE LETTER.

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 2021-03-26
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me nor will they give me my money. They also disputed my two payments to my electric company that was paid two months before they closed my account totally XXXX and XXXXi didnt request this dispute and ive been without power and now must pay my power for a second time plus a XXXX deposit total of XXXX to power back on. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting my life. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In 2010 we bought our first home together XXXX XXXX XXXX XXXX XXXX   XXXX they said to not put me on the loan but the deed. They did neither my husband took my youngest and put me homeless With conspiracy from the bank and loan. Wells Fargo. We came to XXXX people ran sacked our home took everything.

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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
XXXX credit reporting company is reporting the account XXXX XXXX XXXX- Account number XXXX in the amount of {$120.00} with no information on the DATE CLOSED. TransUnion reporting company is reporting XXXX XXXX XXXXXXXX XXXX XXXXXXXX in the same amount {$120.00} with the DATE CLOSED AS OF XX/XX/2018. XXXX and TransUnion are reporting different information on the same account which is contradicting each other. This is a discrepancy.

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 2020-12-15
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: MCMC Auto LTD
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with MCMC. This was an illegal repossession followed by illegally reporting on my credit report. Another thing, this was paid repossession ; this should have been investigated and corrected immediately. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the repossession was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE THESE REPOSSESSION ACCOUNTS FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation