BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX from XXXX. 
XXXX, TransUnion and XXXX XXXX XXXX have unpaid Medical charges on my credit report during that time. 
I have sent them my prison records ( and other documents ) confirming my XXXX  dates. 
They have done nothing to correct the situation.

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 2019-07-12
Company: Home Loan Center, Inc.
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Three attempts to unsubscribe to Lending Tree. Daily barrage of solicitations for credit. It also seems to have information about my debt that should not be public.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Both XXXX XXXX XXXX and Citigroup as public financial institutions are limiting or preventing myself and other U.S citizens ability to exercise our constitutionally protected right to bear arms and to protect ourselves. This is discrimination directed at an activity that is clearly protected by the second amendment. These companies had no issues taking tax payer money to keep their doors open, but are now slamming shut in the face of companies that make, distribute or sell these legally protected firearms.

The U.S Government when bailing these companies out determined they are too big a part of our financial system to fail. And being such a large part of that system should not allow them to choose what kind of legal business they will or will not work with.

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 2020-10-14
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My township has returned over-payment of property tax to NewRez LLC on XX/XX/2020, the check was cashed on XX/XX/2020. I called NewRez LLC numerous times. Nothing is updated. I have NOT received the refund either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: DISCOVER BANK
State: OK
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:
Card was stolen charges were racked up to the credit limit and then appears to be paid but canceled after already spending the credit again causing the card to be doubled the limit. If I make pmts Im not gon na cancel first off it cost money to cancel a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: BANK OF HAWAII CORPORATION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
A bank payment for my mortgage was initiated using the wrong account. I therefore did not have the funds for the transfer to go through. Although I resoved the isue and made the payment using my correct bank account. Bank of Hawaii charged me {$30.00} on three seperate occasions for this NSF fee. They refused to refund me any of the {$30.00} fees. The fees totaled {$90.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-26
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:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested a copy of contract with signature from AD Astra Recovery Services Inc.. Copy declined to comply with request. 

Also, requested a copy of contract with my signature via the 3 credit bureau agencies. No reply or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: JPMORGAN CHASE & CO.
State: IN
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:
Chase agreed to defer payments for two cards due to COVID-19 hardship, one cards ends in XXXX. Chase did defer payments on the card ending in XXXX, but the one ending in XXXX shows past due and has incurred late fee ( s ). Upon contacting Chase the representative said that there is no record of deferment for card ending in XXXX and that Chase would not send one letter for two cards, rather one letter for each card. Therefore there is no requested deferment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I received notification that my credit score had gone down and there is some unknown XXXX XXXX CHARGE THAT IS NOT MINE FOR {$510.00}!!!!!!! HOW MANY TIMES DO I HAVE TO DEAL WITH THE XXXX AT TRANSUNION AND XXXX ABOUT THIS ISSUE???? They have removed and put back on this same XXXX over and over AGAIN!!!! I DO NOT AND HAVE NOT HAD XXXX XXXX!!! THEY HAVE TRIED THIS BEFORE ONE TWO AND THREE YEARS AGO AND I FOUGHT THIS XXXX OFF WITH CINVERGENT!!!! I TURNED THE EQUIPMENT IN AND HAVE NOT HAD XXXX SINCE XXXX!!!!! 
GET THIS XXXX OFF OF MY CREDIT REPORT NOW BEFORE I SUE CONVERGENT AGAIN

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 2021-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A Walmart account has been fraudulently created using my name and information. I didn't authorize this account nor did I have knowledge of this account when it was opened. Immediately after learning about this fraudulent account I contacted the company directly for them to close the account and deal with the situation. They have not handled the situation. I am demanding that the company dispose of this account and remove my information from their system as well as remove this account from my credit report immediately. This is not fair and is tarnishing my good name and I will not stand for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
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:
NEED HELP REMOVONG SOME INCORRECT INFORMATION FROM MY REPORTS. I HAVE YET TO RECEIVED ANY RESPONSE FROM ANY BUREUAS I HAVE 3 TRACKING NUMBERS FROM THE MAIL I SENT THEM. THESE TRACKING NUMBER ARE FROM THE SECOND ATTEMPT IVE TRIED MAKING. 

XXXX  : XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Model Finance Company
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX from model finance company called and hurassed my mother about a XXXX XXXX and said he will take me to jail. Guy wouldnt let me get a word out and he yelled at my mother over the phone saying she is going to get arrested as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
THIS IS A COPY OF THE COMPLAINT I FILED WITH ELAN FINANCIAL SERVICES : This is a complaint : I first began using my card in XXXX I set up autopay to pay off my card for the first time onXX/XX/2020 for the balance due THE COMPLAINT : Fidelity user interface is OPAQUE! I had no idea there was a past balance due because the Fidelity user interface does not provide enough statement information, such as prior balance. It just shows the balance. 
I unknowingly believed I was paying the full amount on time. 
I received a past due amount notice and I called Elan Financial services three times to resolve problems. 1. Confirmed I would not be charged a late fee and confirmed my credit report would not be listed as paid late. 2. I immediately canceled the scheduled payment and entered a pay today payment XX/XX/20 for the full amount. 3. subsequently, my credit card was frozen, unbeknownst to me, and a bill I wanted to pay was rejected after I cleared up the payment problem with Elan Financial Services . 
The Fidelity User interface is extremely poor. So bad, that in fact I'm considering canceling this account completely. Elan Customer Service is good ; Fidelity Credit Card User interface is user unfriendly and lacks transparency that I thought was required by law on credit card billing web interface. No other solution than " this needs to be changed '' is acceptable. 

The Fidelity user interface MUST clearly show past amount due, or late balance. 

I will be filing an online complaint with the Consumer Financial Protection Bureau regarding this matter. 

You may contact me directly at XXXX for further consideration regarding this complaint. 

Sincerely, 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 2020-08-22
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: Information belongs to someone else

Complaint:
I have some inquires that I don't recognize on my credit report. please delete the following inquires XXXX XXXX XXXX XXXX, XXXX, XXXX. This is a 604 FCRA violation please delete these unauthorized inquires I have never applied for any accounts with these above-mentioned accounts or companies.

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 2018-10-18
Company: EQUIFAX, INC.
State: AZ
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 have disputed this charge off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
USAA has blocked use of the credit card on numerous occasions purportedly due to concerns about fraud. The problem arises from : ( 1 ) the frequency and unpredictability of the blockages ; ( 2 ) the entities identified ( some frequented before with no problem ) ; ( 3 ) the lack of a rational process to forestall blockages ; ( 4 ) the failure of the fraud alert system to identify fraud properly ( not one so far ) ; ( 5 ) the likelihood of this system leaving an innocent credit card user in an unsafe position ( one member of my family was blocked from purchasing gasoline while away from home ). As best I can tell, USAA believes credit card users should contact them before they make purchases to assure the company that no fraud is involved. This is obviously ridiculous. Moreover, when we have contacted them respecting travel out of state, it made absolutely no difference. Despite attempts to work this out with USAA, our efforts have been unavailing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Citi refuses to process my payments and continues to harass me. I submitted phone to executive office months ago and it still has not posted. Citi offered me reduced payments on a COVID-19 plan but then rescinded that and is not giving me the monthly payments that they offered. In addition, Citi refuses to speak to me on the telephone and will not accept my calls to customer service, but then repeatedly calls me beginning at XXXX in the morning and even on XXXX weekends ( today ). I have attempted to communicate with executive and corporate offices and Citi refuses to address my concerns, closed my account out of retaliation for filing complaints, refuses to process my payments, refuses to honor the reduced payments they offered me, won't quit harassing me via telephone and email but then refuses to speak with me. Citi is intentionally withholding my payments I submitted and refusing to give me the reduced payments in a deliberate act of retaliation in an attempt to further ruin my credit because closing my account for no reason out of retaliation for filing federal complaints wasn't enough. Why do they call me if they won't talk to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My loan is included in the XXXX XXXX sub prime loan nys class action settlement. My account was closed per the settlement agreement but they still havent cleared my title, still no money sent to me and they as recently as XX/XX/2021 reported this account as a charge off to all 3 credit agencies with an outstanding balance of {$2200.00}. because of this i was denied a mortgage and my credit score is in the toilet. I have been fighting this company since XXXX was charged nothing but interest for years, had car repo several times and then forced to pay {$10.00} a month just to make online payment because if i mailed it they would hold it until after due date then charge me late fees. They owe me thousands of dollars and my title and now they are ruining my credit. When is this company going to get shut down. I helped XXXX do an expose article on them and they are still allowed to ruin lives!

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 2018-04-28
Company: Receivables Performance Management, LLC
State: KY
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 moved from XXXX to XXXX in XX/XX/XXXX. I tried to get XXXX at my new house and they told me I was not eligible because I had an open acct at my old XXXX address. I explained to XXXX that was a joint acct between XXXX and I and we had split. When I asked XXXX to remove my name from the acct I was told that he had to do it because he was the primary acct holder. I immediately contacted him, we share a daughter, and asked him to call and let them know I no longer lived there and hadn't lived there in 3 yrs. XXXX then called me and told me he had my name removed. When I called XXXX back about 1 week later I was able to get the service with no issues, so I assumed my name had been removed off the other acct and the issue had been resolved since the representative allowed me to open an acct here in XXXX. Apparently this issue was not resolved and there is a delinquent bill at the address in XXXX. I contacted XXXX and explained to them the situation and that I am currently a XXXX   account holder and am current on my account. I also explained what had happened when I originally tried to get XXXX  here in XXXX  back in XXXX and was not able to. At no point was I contacted by mail or phone to even notify me that I had an outstanding balance on anything, and certainly not 2 cable accounts that range from {$150.00} to {$200.00} dollars a month. I certainly would not have let it go to collections. This should not be on my credit report due to it is not my account. This has a negative impact on my credit score and showing I owe XXXX/ Receivables Performance Management in the amount of {$940.00}. Not only was the account delinquent they also have not returned the equipment apparently. If you check anything on me you will see that I have not resided in XXXX since XXXX, or at that address since XXXX. My transfer from my job can also confirm this information. Thank You for your time and assistance.

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 2018-04-28
Company: CITIBANK, N.A.
State: VA
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 XX/XX/XXXX, I submitted a complaint number XXXX against CITI BANK. I opened a dispute last year against XXXX XXXX XXXX for {$1200.00} which was a partial hold of the original amuont {$2200.00}. I then took the case to small courts claim at XXXX County General District case. The judge advised the merchant to give me a partial refund of the {$1200.00} and in return I was asked to close the dispute to make the {$1200.00} available to the merchant. The {$1200.00} was posted on my account as PAID to " XXXX XXXXXXXX XXXX XXXX XXXX XXXX '' on my XX/XX/XXXX statement and I paid the total amount of the bill to CITI BANK. In late XXXX, I received a letter dated " XX/XX/XXXX '' confirming the dispute was actually closed as per my request on XX/XX/XXXX and {$1200.00} was released to the merchant. One week after opening a complaint at Consumer Financial Protection Bureau I received a phone call from XXXX XXXX confirming the case was closed and she sent me a letter by mail dated XX/XX/XXXX that the {$1200.00} was paid to merchant 's bank. Yesterday, I received a notice to appear in Small Court Claims of XXXX County on XX/XX/XXXX because the merchant claims they did not receive the {$1200.00} yet plus {$910.00} in fees and interest!. If this turned to true that CITI BANK failed to pay the merchant their {$1200.00} I will proceed with suing CITI BANK for all the trouble they gave me since XX/XX/XXXX, otherwise CITI BANK has to send me the date, transaction name, merchant name and bank name to where the {$1200.00} I paid went to and when it became available to the merchant and wether it was collected by the merchant 's bank. Of note, I tried to reach out to XXXX XXXX at XXXX twice yesterday XX/XX/XXXX and left a voice mail to call me back, I have not heard back from her yet.

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 2018-10-18
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back in XX/XX/XXXX I was late on my mortgage payments which is a Making Home Affordable Modified loan as of XX/XX/XXXX. The investor is XXXX XXXX. I received a Notice of Default in XX/XX/XXXX. I was given 90 days to reinstate my loan before a sale date to be assigned. I was able to reinstate my loan on XX/XX/XXXX. 
I contacted the trustee who filed the notice of default XXXX XXXX XXXX the Foreclosure Manager several times during the month of XX/XX/XXXX to make arrangement for the total payment to reinstate my loan. On XX/XX/XXXX Ms. XXXX calculated the attorney fees and foreclosure fees and told me because of XXXX XXXX guidelines there will be no other charges after I pay the total amount to reinstate my loan. On XX/XX/XXXX I paid {$20000.00} which included {$670.00} foreclosure and filing fee to reinstate my loan. On XX/XX/XXXX There was a notice of rescission filed in XXXX XXXX County recorder office. 
SLS has charged me additional below fees with no explanation XX/XX/XXXX {$29.00} Fee Billed XX/XX/XXXX {$440.00} Fee Billed XX/XX/XXXX {$24.00} Fee Billed XX/XX/XXXX {$17.00} Fee Billed XX/XX/XXXX {$93.00} Fee Billed XX/XX/XXXX {$440.00} Fee Billed I have asked SLS for explanation of these charges and they say is part of foreclosure charges which i paid when I reinstated my loan in XX/XX/XXXX. They are not reversing this charges or show me any proof for these charges.

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