BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-10
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a citi AA credit card around XXXX and it was recommended by my friend. Before I applied for it, I called Citi that since the promotion ( XXXX ) is different from what my friend received and I was wondering if I would get the same promotion ( XXXX ). The customer representative told me that they suggest me apply for it first and they would match it up to XXXX. After my application was approved, I tried to match up as what I was told via customer service several times but failed. They told me that the promotion was already finished. However, in the meantime, my another friend which applied for the same card around same time matched up to XXXX successfully. My complain was if citi can not realize the promise of matching up the promotion, then they should not mislead and seduce customer to apply for their credit card since there are so many credit cards on the market. And even if they can not make their promise come true, then they should treat equally to all the customers, rather than giving some customers matching up successfully.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I contacted Capital One first I put my last  4  of my acct in collections in and got connected to  XXXX . I told them could we agree on a price and get my acct PAID TO DELETE on my acct. They then told me that they do not report to the Bureaus, Capital One does so I would have to call them and they gave me the number. I then called, Capital One back, spoke with the  1st r ep which said they would help then connected to the second rep in collections and I requested what I told the rep with  XXXX  a Pay to Delete settlement. Well they said they will report Settled debt but do not honor PAY TO DELETE. Now I know they can do it but they are giving me a hard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I filed for bankruptcy protection on XX/XX/XXXX. At the time I had numerous loans with USAA. One loan in particular has close to a {$50000.00} balance and my parents are co signers on the loan. My parents mailed in a payment on XX/XX/XXXX to continue payments on the loan. They want to continue to make payments on this loan to protect their creditworthiness. However, USAA is not accepting their payments. To add insult to injury, they are returning their payments to me in the form of a check. So basically my parents are sending them the payments on the loan, and USAA is in return sending the payments to me. I am worried this will affect their creditworthiness as well. I have tried to call USAA on this and they will not address this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-30
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This Company has place a Account onto my credit report on XX/XX/XXXX the date assigned was XX/XX/XXXX. I have attached the screenshot from my XXXX Credit Report. This company DID NOT notify me of any account before they placed this onto my Report. As you can see I had no time to Request A debt Validation nor Dispute that I am the owner of the debt. This company practices is in violation of the FDCPA Section 807 ( 8 ) ( this law is for said collection agencies ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Texas Finance Code Section 392.101 requires that a third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2019-02-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had submitted an immigration related application to XXXX and paid the fee through my checking and routing numbers. At the time the application went through. 

However, 3 days later I received a notice saying that my application was rejected because my bank had refused to pay the fee. The fee was XXXX while I had almost 1800 in my account. 

This is a pattern with the bank where they have been rejected payments without consulting or notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: BANK OF THE WEST
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My bank here in XXXX, Ok charged me a XXXX fee for funds transfer to bank of the west. When bank of the west received the funds transfer they charged me a XXXX fee. I tol+++++++++++++++++++++++++++++++++++++++++dbank of the west to close my account and they told me they could not close it. If I send another funds transfer my bank will charge me another XXXX fee and bank of the west will charge me another XXXX fee. I just want this bull XXXX account with bank of the west closed. WITHOUT reporting to XXXX or ruining my credit

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 2022-02-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX ACCOUNT : XXXX To my surprise, I noticed on my XXXX report and other consumer reports that this account is not reflecting any late payments. However, on your report the account is reflecting a 30 day late payment on XX/XX/XXXX yet that is not 30 days late because the prior month of XXXX was also paid on time. This is clearly an error. I ask that you please update this account to " Paid as agreed '' updating the incorrect XXXX late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
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 contacted XXXX XXXX by phone to dispute the fraudulent account that was opened under my name before I turned XXXX years old. I sent in my birth certificate and ID to prove my age but the account was never deleted. I was homeless and living from pillar to post when my identity was stolen and compromised. I disputed the charge for over one year with each credit bureau and with the creditor. I want it deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Santander Consumer USA Holdings 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 status incorrect

Complaint:
Santander willfully and illegally keeps furnishing inaccurate information to my consumer reports. The alleged account which they continue to furnish states various inaccurate account statuses and dates across my 3 main consumer reports. This account has long been closed and paid off, yet they continue to inaccurately report varying information to all the 3 main credit bureaus in direction violation of 15 USC 1681s-2 of the Fair Credit Reporting Act. Moreover, I never gave them my permissible purposes ( written signature ) pursuant to 15 USC 1681b ( a ) ( 2 ) to furnish this account to my consumer reports yet alone inaccurately. After attempting to resolve this matter with them directly over the last 100 days all to no avail, I am enlisting the help of the CFPB and Federal Trade Commission. This inaccurate and erroneous account needs to be immediately deleted from all my consumer reports to stop this reckless damage to my credit and consumer reputations. Failure to delete this account immediately from my consumer files will ensure I engage the help of my Attorney, State Attorney General, and the FTC to begin litigation against Santander. Pursuant to 15 USC 1681o and 15 USC 1692k of the Fair Debt Collection Practices Act, I will be enforcing for all damages this account has caused me the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have had an auto loan with Prestige Financial since 2013 and everything was going great until I was in an auto accident and the car was a total lost. I contacted the lender and spoke with XXXX who advised me that we had Gap insurance ( I knew I purchased it when we bought the car ) which should take care of the amount left after the insurance payment was made. The accident was almost two months ago and the Gap insurance has not kicked in yet. XXXX XXXX ( who by the way is very nice ) contacted me today and when I called back I spoke to XXXX # XXXX, he was very rude to me. He started saying that I have a contract on this loan and I need to pay it and Gap is not going to pay all of it because of late fees, that I was never advised of, and return check fees from years ago that were never mentioned to me nor did I ever receive any communication regarding. I do not have any checks, everything was done electronically through auto draft. I advised him that I would not be in this position if the car was not totaled and I had been making my payments monthly and was in constant communication with them. He again was rude and did not care about why. I told him that I will let my lawyer handle this because this does not seem fair. He said well this is not going away and why do you have a lawyer, are you suing us. I told him that the lawyer is due the accident. He said well, this still is not going away and you need to pay. I know that it is not going away no one ever said that. I told him that I have another car that I am paying on and can not afford to make a payment today. He was still rude and asked me again why do I have a lawyer. I was not going to entertain his rudeness so I did not answer and asked him why he was being rude to me. He said well you are under contract and you need to pay. I made a payment to them last month even though the car was totaled and now they want another payment. THIS IS UNFAIR TO ANY CONSUMER WHO DOES THE RIGHT THING AND PURCHASE GAP INSURANCE TO PROTECT THEM FROM HAVING TO PAY A BALANCE IF THERE WAS A TOTAL LOST ON THE VEHICLE. the bad thing is that this is their gap insurance and I do not understand why it is taking so long to finish the claim. I was never provided the Gap company name and number for me to follow up on the claim and Prestige has never provided it to me. I have not missed a payment since I have had the loan with them. I have paid every month. I do not deserve the unfair treatment when this is not an issue that I created.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a collection account listed on my report that the company that was initially reporting has removed from one bureau but the other two bureaus refuse to remove the incorrect reporting. I have continually asked for verification of the debt but it has repeatedly not been furnished. The name of the company is XXXX XXXX. 

The two bureaus that I am submitting a complaint about are XXXX  and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Experian Information Solutions Inc.
State: PA
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:
After receiving my credit report, I am disturbed. After acknowledging inaccuracies and/or incomplete information, and accounts. I am a victim of identity theft and the information that is reporting on my credit profile DOES NOT relate to any transactions that I have made. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are obligated to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

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 2017-12-31
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:
There are many mistakes appear in my report without my understanding.

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 2017-12-31
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2022-02-13
Company: EQUIFAX, INC.
State: GA
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:
Since XX/XX/2021, I reported identity theft fraud of the XXXXXXXX XXXX ACCT to the following credit bureaus : Equifax XXXX XXXX After reporting the information, I contacted each of the bureaus via mail with a personal and detail letter stating the fraudulent information. This account has been CLOSED and is STILL on my credit even though I am UNAWARE of the balance or creditor information. I reached out to each of them by phone and requested that the information be REMOVED IMMEDIATELY. I am NOT aware of the information and have never known of the information before. I later received a response that the information had not been updated or changed and that the account would remain on my report due to the information provided from the creditor. 

I am still requesting for the information to be REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Experian Information Solutions Inc.
State: UT
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:
I sent a disputed to Experian via certified mail of incorrect reporting on my credit report on XX/XX/2021. Disputed items include : 1. Account - XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX. XXXX, XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX, XXXX Utah XXXX XXXX. Personal Information- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX On XX/XX/XXXX, I received an investigation result of verified in repose to my dispute. On XX/XX/2021 I sent a re-investigation letter, & notice of request for method of verification via certified mail. The re-investigation letter & notice of request for method of verification was received by Experian on XX/XX/2021. On XX/XX/XXXX, there had been no notice of re-investigation processed or receipt of the method of verification. On XX/XX/2021, a notice for intent to sue was sent to Experian by certified mail if disputed items were not removed from my report within 5 days. 

Experian is currently in violation of FCRA section 611 ( a ) ( 6 ) & ( 7 ).

All disputed items need to be removed from my report & personal information needs to be corrected.

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 2022-02-13
Company: NCB Management Services Inc.
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a collection on my credit report that is in the amount of $ XXXX.The name of the company is NCB Management Services . NBC opened a collection account in my name XX/XX/2021. They have called me several times asking me to address the dedt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX, 2017 I noticed that there was an inquiry for credit on my XXXX XXXX, that I did not authorize. According to my report my information was used to acquire credit that I did not authorize. This is what is listed under hard inquires for this company on my account : Institution Information : XXXX/XXXX  XXXX, FL XXXX I am requesting that this be removed from my XXXX credit detail.

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 2017-12-31
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I had a promotional balance that was to expire on XXXX/XXXX/XXXX. In XXXX of XXXX I asked that payment beyond the minimum payment due on the entire account be applied to the promotional balance as I was not aware that you have to ask them to do this. They began to deduct the excess over the minimum payment from the promo balance. On XXXX/XXXX/XXXX I had a remaining balance on the promotion of {$99.00} and a minimum payment due of {$67.00}. I paid them {$170.00} on this date. I also made an additional payment of {$100.00} on XXXX/XXXX/XXXX to pay down my overall balance. I went to do my year end financial review and found that they had charged me {$240.00} for interest on XXXX/XXXX/XXXX even though my normal interest amount is around {$40.00}. When I called them they told me that they took part of my payment for the promo and applied it to my general balance. I stated I have the letter that indicates that 100 % of the excess payment goes to the and was told that the letters were not accurate that they send out. They did say they would immediately take the XXXX charge off my bill but this has not happened yet. This is total fraud in my opinion.

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 2017-07-11
Company: Netspend Corporation
State: NC
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:
i bought the card at dollar general on   XX/XX/XXXX     and they put a hold on the card and i was trying to use the card to rent a uhaul to move and thet wouldnt take the hold off. i was calling how many days in a row and they still didnt wan na take the hold off the car. so the  one  day i called and told the company i demanded the {$500.00} sent in a check on   XX/XX/XXXX     and they said i would receive the check XX/XX/XXXX and i still didnt receive it. i gave them  3  extra days and called on the  8th  and they said i had to wait more  3-5  days for them to track the check and i called today the  11th  and they still told me i had to wait. im very irritated with this company.

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