BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-18
Company: CITIBANK, N.A.
State: KS
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:
My complaint is related to completely false information being presented to customers by CitiBank. Most specifically, the predatory and completely false information be presented to customers related to payment options on their credit cards. 

Citi bank offered a loan option called a flex loan and like other credit card companies had various promotional offers for balance transfers or purchases. I personally utilized a flex loan at 6.99 % APR for 60 months and later utilized a promotional offer for a balance transfer at 0 % interest for 10 months. My intent was to maintain my flex plan for the 60 months and payoff the balance transfer before interest would accrue. 
Citi Bank offered an option on their online payment center titled Adjusted New balance + Flex Plan Monthly Payment the description for this option was This includes your monthly Flex Plan Payment amount and the non-Flex Plan portion of your last statement balance, it does not include XXXX XXXX payments due in future months. Accompanied with this payment option is a dollar amount that represents all balances not part of the Flex Loan and XXXX monthly payment for the Flex Loan. 

On XXXX XX/XX/2023, I selected this option and made a payment of {$7900.00}, believing that his would payoff all balances on my credit card not related to the Flex Loan and one monthly payment of the Flex Loan. 

Citi Bank has instead utilized this payment to pay the majority of my Flex Loan and has left the promotional balance transfer because of their payment hierarchy. I fully understand the payment hierarchy, but this payment option was very clear about where my payment would be utilized with my balance segments. 

This action is extremely predatory, seems illegal, and is utilized to take advantage of customers so that they will have to pay higher interest on balances at a later time. I would not have paid that balance if the Adjusted New balance + Flex Plan Monthly Payment option did not exist. I fully understand that I would have had to wait for the non-flex plan balance to be the higher interest rate if this option was not available and very clear on how my segmented balances would be paid.

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 2019-12-07
Company: Bridgecrest Acceptance Corporation
State: NC
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:
I bought a new car and the old loan from Bridgecrest was rolled into my new loan. My Bridgecrest account has been closed for 2 MONTHS. I disputed this and it showed as correct. It is not

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 2020-12-17
Company: Dovenmuehle Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX made a XXXX payment which has not been applied to my account. I called loss mitigation and informed them that XXXX XXXX XXXX XXXX made a payment in XXXX. After doing some research I received an outbound phone call by a women in loss mitigation and I was informed that guaranteed rate received the payment. XXXX XXXX XXXX XXXX also reports that no one at guaranteed rate is confirming or denying that they have received the payment so they could not reissue it. Guaranteed rate is still reporting it as missing when it should not be. I have also attached the receipt of the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXXXXXX 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

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 2023-03-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have made several payments to them in the last two months of what I could pay as my normal payment amount and Im only a month behind, they continue to call 2-3 times a day and now they are calling me on the weekends. I feel harassed as they havent sent me any paperwork only called multiple times and disrupting my home life with 3 kids and a pregnant wife. Its continued added stress that we dont need

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 2020-11-06
Company: Navient Solutions, LLC.
State: OH
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:
I got a notice that from a credit bureau on XX/XX/2020 that my student loans were in a state of deferment. I called Navient on XX/XX/2020 and found out that they automatically put both my subsidized and unsubsidized loans in a state of deferment without my consent. The customer service rep tried to tell me I was " saving money ''. I asked why they didn't ask me, and she said it is automatic, and I would get a letter soon to say they did it. 

This action could have cost me increased interest and lengthened the loan I have without my consent. While they did

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07
Company: Southern Management Systems Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The XXXX at XXXX XXXX entered into a lease for my son a college. I signed the lease. Each unit has 4 bedrooms with 1 common area. The utilities are included up to a dollar amount and then overages are passed on to the 4 tenants equally. After 6 months the other three units were vacated and the XXXX   started applying the overage to only our lease even though they had locked the other rooms and would have been their responsibility to heat and cool. My son went down to the leasing office for the first 3 months and the charges were reversed. About that time they started having management problems and the managers were changed twice. We called and and my son visited the office repeatedly to rectify the matter of {$120.00}. They would never give us a number for the parent company to speak to someone that could actually make a decision and they always passed it off and would never address the matter. At which point they turned it over to collections of which I never received a notice to be able to even address the matter and now it has shown up on my credit report for {$290.00} with no notification or such to be able to address the matter. I have no recourse other that to sue the rental company of which I can't get any information on, three states over for ruination of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Aldridge PIte Haan, LLP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
ALDRIDGE PITE AND HAAN HAS BEEN DEDUCTING XXXX FROM MY ACCOUNT, CAUSING MY ACCOUNT TO BE OVERDRAWN. I'VE CALLED THIS LAW FIRM TWICE AND TOLD THEM I'D PAY XXXX PER MONTH, YET THEY DIDN'T CANCEL THE AUTODRAFT AND STILL HAVE ACCESS TO MY CHECKING ACCOUNT. { THEIR PHONE CALLS ARE RECORDED, SO THEY HAVE THE TAPES ON FILE. } I HAVE TO PAY OVERDRAFT FEES AND THEY CALL MY HOME DAILY. I SEND THE XXXX PAYMENT VIA CERTIFICATE OF MAILING, WHICH IS LEGAL DOCUMENT, AND STILL THEY ACCESS MY ACCOUNT, TRYING TO DEDUCT A XXXX PAYMENT THAT I CANCELED IN 2017. ALDRIDGE AND PITE HAS BEEN DOING THIS MONTHLY. THEY ARE ILLEGALLY ACCESSING MY CHECKING ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I started working for a new company, and in the first week set up direct deposit for my form of payment to my checking account with PNC. I must have entered the incorrect account number on the direct deposit form. ( I entered the number on my physical debit card ). However, in the first instance of direct deposit the bank caught the mistake and automatically redirected the funds in to my account. I appreciate the redirect, however I was not notified of the issue and therefore did not resolve it. On the second instance ( XX/XX/2020 ) the direct deposit was not redirected, but was instead sent back to my employer ( XXXX XXXX ). There was a third instance of this same scenario on the ( XX/XX/XXXX ) however at that point I noticed the error ( wrong account number explained above ) and called the bank to resolve that singular event ( from XX/XX/XXXX ) and i proceeded to fix my direct deposit form with my employer. Since XX/XX/XXXX I have still not received my funds which was two weeks pay at the amount of {$1400.00}. I have contacted the bank ( PNC ) and was told they could not provide me any documentation of the returned check, and therefore my employer, who requested documentation in order to pay me, can not pay me. I would like documentation of the returned check so I may request payment from my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: SUNCOAST CREDIT UNION
State: FL
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:
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All of these months are late payments declared by Suncoast Credit Union. 
On XX/XX/XXXX I spoke with the credit dept about the issue. They said it's my fault I asked them to prove it they couldn't. Going forward I asked them to setup automatic payments, they said they did and they didn't. This is the 4th time I processed payments and it didn't go through. I have no messages saying payment due or passed due. They are not making the automatic payment as I said that was the problem. Last case created I was called and never updated with status over 1 month and a half and now another missed payment they didn't automatically process as the agreement says it supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: MI
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:
They did not change the incorrect information. My loan from XXXX was changed to XXXX. I was not informed of status during covid-19. it showed 120 days past due. The loan was consolidated and paid off and transferred to a new servicer. The late payments were not removed even though they are not my servicer. I am current on XXXX but it does not reflect on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear sir,

1. I recently realized that a check I wrote and sent through mail to somebody has not been delivered even after 30 days.

2. I called up the BMO-Harris bank on XX/XX/2019 to freeze the check and to check for any other options.

3. After more than 60 min hold and back and fourth questions, the associate said, there is a lot of fraud happening. So, the best options they can offer me is to freeze the account immediately and next day morning (specifically at XXXX XXXX EST, the next day) somebody from their sales team will call me to set up a new account. Since their branch is not available in XXXX, Ga, this is best option they could offer me. He also gave me a specific time at which somebody will call me.

4. It is been more than 4 days, nobody called me. My money is frozen (> $ 7000). I can not sit on the phone to deal with customer service anymore.

I demand a compensation for this inconvenience from them.

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 2021-01-29
Company: EQUIFAX, 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 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 im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These end accuracies are stopping me from the ability to buy new appliances for my home or make any major repairs needed. In addition, I was about to get hired for a new job but i was denied because of my credit issue.

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 2023-09-03
Company: Thaxton Investment Corporation
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: VA
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 XXXX has incorrectly reported on my all 3 bureaus that i was late XX/XX/XXXX, and XX/XX/XXXX both 30 days. I have tried to work with this company on getting this resolved and have tried disputing these multiple times with the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-11-13
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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