BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-20
Company: CITIBANK, N.A.
State: PA
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:
There was a fraudulent charge of {$160.00} to my Citi Card on XX/XX/XXXX. I contacted Citi by phone to inform a fraudulent charge was pending ; it had not posted yet. They immediately inactivated the card ending in XXXX and issued a new card ending in XXXX. The charge then posted XX/XX/XXXX. I logged into my account and issued a dispute, which was registered by the Citi System. I received a statement on XX/XX/XXXX. I logged into the website, it showed the charge under investigation. I call Citi and spoke with a representative, they indicated it was resolved. I packaged all of that information, and postal mailed to Citi another confirmation the charge was fraudulent, please provide to me written status as the website indicates no dispute, but under investigation, and to please close the account. Citi did not respond or take any action. On XX/XX/XXXX I again called Citi, indicated I had been contacted on the XXXX, was there anything on the account, they indicated no. I requested the account be closed. On the XX/XX/XXXX, I received an e-mail giving me 24 hours to respond, indicating Citi had contacted me about the dispute, or they would re-post the charge to my account. This ominous approach is while their website indicates no dispute and their representative did not indicate a dispute. This is a completely unethical and aggressive manner in which to collect a 45+ day old fraudulent charge, which they intentionally indicated was not active, and they intentionally did not communicate in a timely manner. This is an extremely predatory approach especially as they issued a new card per my notification to them of a fraudulent charge. I have included the documentation showing no dispute on the account and my latest correspondence. There is no reason Citi should have even let the charge Post from the Pending state. At last check, my credit score was XXXX out of XXXX, this is not about the money it is about the ethics.

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 2021-09-10
Company: EQUIFAX, INC.
State: SC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am entitled to a reimbursement of {$640.00} that was paid to XXXX Univeristy by my employer, the XXXX XXXX XXXX. XXXX received the credit voucher in XX/XX/2019. The bursar 's office noted the credit to my account on XXXX XX/XX/2019, then applied it to my account on XXXX XX/XX/2019, and released it for refund to Heartland XXXX  Integration on XXXX XX/XX/2019. I contacted Heartland XXXX   Integration today, XXXX XX/XX/2019, asking when they would release the money, and was told two different dates, the first date was they will process it on XX/XX/2019 then approve it on XX/XX/2019, and the second person said they might process it on XX/XX/2019, and maybe approve on it XX/XX/2019. This is ridiculous, I requested they release the fund today, and they stated NO. I need this money, and it should be illegal for any company to hold money that is legally not theirs for any length of time as an attempt earn interest on money that does not belong to them. I am requesting you investigate this company for holding money as an effort to generate interest at the expense of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loan was transferred to XXXX XXXX based on that I applied to the XXXX. I was not told that my graduated plan didn't fit the criteria, from XXXX XXXX. However, they both think it was the others neglect not to tell me. However, both of those transfers went through the Dept. of Ed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting that I was late XX/XX/2016, this reporting is not correct. I have tried disputing it with the major bureaus as well.

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 2020-05-05
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: Account information incorrect

Complaint:
I had leased a XXXX XXXX XXXX from XXXX XXXX which ended up in a total loss and was paid off by my insurance. XXXX XXXX  keeps reporting a balance owed of {$8600.00}. I notified them through phone and writing. It has been 2 months and they will not update my balance to {$0.00} even though they are verbally confirming the balance owed is {$0.00}. This is taking a negative effect on my credit score. Please update all credit bureaus balance to {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: JPMORGAN CHASE & CO.
State: NV
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:
Chase Card has a charge off account on my credit report that does not belong to me. Because of this, my application to rent has been denied. I have another dispute with XXXX because of their failure to verify this with Chase They did not even attempt to contact Chase. The account was last active in 2013 and in Nevada, this should have been removed 2 years ago to the state statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
During my XXXX divorce, I was left with an XXXX balance on a XXXX credit card and no way to make the payments. XXXX reached out with a settlement offer about the same time as I was considering bankruptcy. I consulted with XXXX XXXX of XXXX XXXX about what would be the better option for my credit report. My plan was to obtain a mortgage and purchase a property to flip and start to support myself, so I wanted to impact my credit the least amount possible. Mr XXXX drafted a letter to accompany my check requiring XXXX to agree to delete all negative reporting info in exchange for cashing the check .... or that they needed to return it. The letter was crystal clear. It was sent and even cashed by XXXX before the deadline they gave me. 8 months later, XXXX is still reporting it as a charge off and settled for less than amount owed. Clearly negative info. They have been contacted several times by both Mr XXXX and myself, but they decline to return the calls. Mr XXXX has drafted FIVE letters over the last 8 months to each of the 3 credit reporting agencies and enclosing copies of the same items for them to review. All we get in return is a form letter saying the info has been verified as accurate. Clearly providing them proof of the agreement isnt helping. I have lost out on several different properties due to the impact this item is having on my score. It is the only negative mark and causing me to be offered a rate 2x the regular one. The letter clearly stated that by cashing the check, they agreed to the terms and that if they did not, the deal was not ok with 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 explanation
Consumer complaint received 2021-02-05
Company: DISCOVER BANK
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover took my financial aid for my schoolbooks and closed my account. I was angry because I have no missed payments for 2 years so I said close the account. I then remembered that I just put {$500.00} on the card to pay for my schoolbooks so I changed my mind. The woman asked specifically if I still wanted her to close the account because she had to read the disclosure and I hung up. Now I can not purchase my books. They took my financial aid and closed my account in good standing preventing me from getting my online course material. My GPA is ruined because where I have to take online courses, they are only 8 weeks, and my financial aid is ruined and all they say is heres an address. Write them. I did not have the time to waste being an 8 week course and this will make a whole week missed in 3 different classes. I guess the time for haste has passed but I feel it is wrong and morally wrong. My whole life is ruined because they closed my account and they want me to write a letter and mail it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
MR. COPPER OR NATION STAR MORTAGE HAS WITHHELD {$2000.00} PAYMENT FROM US. THEY SENT A CHECK TO XXXX XXXX HOWEVER XXXX XXXX   REFUSED TO CASH THE CHECK BECAUSE THEY HAVE NO RECORD OF AN ACCOUNT IN OUR NAME. THIS ACCOUNT WAS DISCHARGED IN A XXXX BANKRUPTCY.. 

AGAIN, XXXX XXXX TOLD US THEY CAN NOT CASH THE CHECK AND RETURNED THE CHECK TO MY WIFE AND I ; WITH MR. COPPER OR NATION STAR MORTGAGE NAME ON THE CHECK.

NOTE : WE WENT TO A LOCAL BRANCH OF XXXX XXXX AND THEY TOLD MY WIFE AND I THEN, IN XX/XX/XXXX THEY COULD NOT CASH THE COOPER CHECK. 
PLEASE INVESTIGATE MR. COOPER / NATION STAR MORTGAGE AND HAVE THEM REFUND THE MONEY TO US $ XXXX/

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I called the customer service department requesting that my account be closed they refuse to close my account saying that I had to send them my driver 's license or social security card and a letter with my address on it I told them that at the time I applied for the credit card I gave them my driver 's license which had my picture it had my current address on it and it had my driver 's license number on it I asked them to close the account they refused to do so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05
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 information incorrect

Complaint:
I had leased a XXXX  XXXX XXXX from XXXX XXXX which ended up in a total loss and was paid off by my insurance. XXXX XXXX  keeps reporting a balance owed of {$8600.00}. I notified them through phone and writing. It has been 2 months and they will not update my balance to {$0.00} even though they are verbally confirming the balance owed is {$0.00}. This is taking a negative effect on my credit score. Please update all credit bureaus balance to {$0.00}.

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 2022-08-11
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX Policy number XXXX has violated my rights 15 U.S.C 1681 section 602 A indicates I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: PNC Bank N.A.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had my car loan with PNC for my previous car. 
After my previous car got sold carloan had been payed full by the dealership. 
My account got closed with PNC and I got locked out from their website! 
Which is normal but they still continued to take out car payments from my personal bank account! 
It happened twice! After the first time I talked to them and they promised it wouldnt happen anymore! 
Got a refund from them but it took 10 days! 
However happened again a month later! 
After the second time they took out money I called their customer service but they tried to blame me and they said I should of had to stop the payment myself through my online account! Which is impossible because 1 ) they locked me out from my online banking since my account been closed so how I supposed to cancel anything?! 
2 ) I did talked to them on the phone after the first time and they did say it wont happen anymore! I was just simply trusted them! 
After 11 days I still dont have my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Experian Information Solutions Inc.
State: KS
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:
XXXX XXXX continues to report inaccurate information on my credit report with XXXX, Experian and XXXX without sending in proper documentation as proof that the account is in fact my debt. This is a direct violation of section 609 and 611 of the Fair Credit Reporting Act. The credit bureaus fail to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit file.

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 2018-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
XXXX XXXX continues to report inaccurate information on my credit report with XXXX, XXXX and Transunion without sending in proper documentation as proof that the account is in fact my debt. This is a direct violation of section 609 and 611 of the Fair Credit Reporting Act. The credit bureaus fail to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit file.

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 2019-04-12
Company: Fay Servicing, LLC
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: Account status incorrect

Complaint:
Fay Servicing has been reporting my credit history to all 3 credit bureaus and that information is incorrect. To start they are stating they had my mortgage since XXXX and they were not even established as Fay Servicing until XXXX. Furthermore XXXX held my mortgage in XXXX to XXXX when it was sold to XXXX. Please see attached cover letter to explain more in detail with other docs involved to dispute this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: AMCOL Systems, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive notice of this collection until it appeared on my credit report. XXXX. I didn't receive any phone calls making me aware of this debt. The company collecting debt is Amcol. The date of service for the debt XX/XX/XXXX18. 
Contact # XXXX. The provider of service was XXXX hospital of XXXX mich. My credit score was damaged, I was not aware of this Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Hi I request American express company to closed my account in XXXX, they don't and ask me to pay $ XXXX month, then I called many time to request close my account, till today they are still refusing but also me to pay $ XXXX. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-25
Company: EQUIFAX, INC.
State: MO
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:
There's 4 collection accounts dated XXXX17 on my report inwhich I have no knowledge of, yet has not been physically verified by the very credit reporting agencies inwhich is reporting such damaging unverified information on my report. Now according to the FCRA accounts must be PHSICALLY verified if not then they must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CHOICE RECOVERY INC IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

Fraudulent accounts : XXXX  XXXX Open Date XX/XX/XXXX Balance : {$6200.00} and XXXX ( Original Creditor XXXX ) XXXX Date Opened XX/XX/XXXX Balance {$120.00}. Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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