BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-24
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I applied for a modification on my mortgage in XX/XX/XXXX and was told by my mortgage company not to make payments while the modification was in process ; after the mortgage modification was completed, the mortgage company showed my credit as being delinquent in my credit report, I tried to get them to reverse this to no avail in XX/XX/XXXX and today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX XXXX I had a notice in the mail from XXXX in regards of my credit application which I had got denied for due to the inaccuracy on my consumer report. I didn't give any one written or oral consent to furnish anything on my consumer report without my knowledge, before taking any adverse action based on the whole report, the person intending to take such adverse action shall provide to me as the consumer a copy of that report. My consumer rights have been violated through deceptive practices. Consumer reporting agencies is supposed to exercise their grave responsibilities with fairness, impartially, and respect for the consumer.

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 2017-10-24
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I was sent a refund of {$250.00} for an item purchased from XXXX. PayPal noticed me on XX/XX/XXXX that a " eCheck payment was declined by the sender 's bank. We will automatically try to process this payment again in 3 business days. It then usually takes 3-5 days for the money to be deposited into your account. Please do not ship items until you receive payment ''. This was a refund and I was not the individual shipping the items. I was the buyer and not the seller. I called PayPal on XX/XX/XXXX and they indicated that they could not do anything but wait for the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I entered the Check N Go on XXXX XXXX and handed the Represetative a notarized letter. I informed her that I also sent a copy to XXXX XXXX she took the letter thanked me. I was laid off from my job and I informed XXXX XXXX that I wanted to revoke authorization to my checking account because I could no longer make the payments. I had no problems in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX but XX/XX/XXXX Check N Go attempted to debit {$140.00} from my checking account. On the check it states Authorized by your Customer No original signature required. I signed a contract at the time I received the loan authorizing Check N Go/XXXX XXXX to pull funds from my account but I have since revoked that authorization. This caused me to receive two returned check fees from my bank of {$36.00} each and a {$10.00} returned check fee from a company that I made a payment to that was returned as a result of this unauthorized check. I spoke with a women in the collections department and she refused to give me any information. I asked her for a number or address to file a complaint she stated that the only way to contact Check N Go is through email. She gave me the incorrect email address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Synchrony Bank charged off an account that I had through Ashley Furniture. There were no missed payments and no documentation sent stating there was an issue with my account. 
I recently received a letter from the law offices of XXXX XXXX XXXX XXXX. stating they were attempting to collect a debt on behalf of XXXX XXXX XXXX. A debt that was apparently sold, without my knowledge, by Synchrony Bank. I have never received any documentation from Ashley Furniture, Synchrony Bank, or XXXX XXXX XXXX. 

Attached is a copy of the letter from 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 2020-02-06
Company: AES/PHEAA
State: RI
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-25
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently came to know from XXXX that there was an hard inquiry reported by Equifax that was not authorized by me. 

Details : Date of inquiry : XXXX XXXX, 2016 Name of inquirer : XXXX XXXX XXXX XXXX : Equifax I did not authorize this credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I sent my legal tender of payment to Citibank. Where they opened a dispute to research my inquiry. They are opening a dispute like if they are the original creditors ( 15 USC 1602E,15 USC 1602G,15 USC 1602J,15 USC 1602I ) . But on the loan agreement ( promissory note ) there's only one signature in the documents. Statues related to US Code states that creditors are in fact a Natural Person. With my signature being on the promissory note and the only signature on it. Citibank is violating multiple US Code Statues and not only are they assuming themself as me in giving out credit and giving out falsely negative information to the three credit bureaus : XXXX, XXXX and XXXX. ( 15 USC 1681 B-2 ) ( 15 USC 1611 ) Not only are they committing fraud but hindering, my livelihood and reputation by reporting defamatory information and limiting the open-end credit. This has cause me and my domestic partner distress and is affecting our plans of purchasing a home.

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 2021-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called my credit card company ( XXXX XXXX XXXX  ) and asked what was going on because I see on my credit report that the company has me in collection. I stated to my card company that I do not have a balance on my card. The CSR looked into my account and stated that my account was not in collection and there is no balance. I asked why was it showing their name and the CSR stated there was not anything in the system showing other than my up to date card with no balance in good standing. I then hung up and called the company XXXX XXXX. I explained to them what I told my credit card company. They looked into their database and said they see a credit card with my name on it. I told them I only own one card and it is active and in good standing. I also informed the company that I am a victim of identity theft and that someone open an account in my name. They kept insisting that it belongs to me when I told them I call the credit card company and they have no knowledge of it and I have a card with the company for several years in very good standing and no balance. This XXXX  XXXX  refuses to listen or remove the account regardless of how many times I dispute this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: ENCORE CAPITAL GROUP INC.
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 sue you for very old debt

Complaint:
On XXXX, XXXX XXXX to my surprise I received a letter that stated that I had been served with a Continuing Writ of Garnishment and that they would be required to withhold a certain amount starting on XXXX XXXX, XXXX. In the court document, it states that an amount of XXXX remains unpaid to XXXX XXXX XXXX. I have no idea of what this is all about. 

I reached out to a paralegal and they told me to file for a hearing in front of a judge. I was also told to contact you and file a complaint. Then the paralegal told me to file for a hearing in front of a judge to stop the garnishment. 

I am the the head of household with a son and can not afford to have my check garnished for any amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: FIRST ADVANTAGE CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A criminal background check was initiated using my personal information. I received a copy of the report via US mail several days later. The report contained a criminal history report with dates beyond the XXXX  requirement for reporting of XXXX years. The only exception to this XXXX year law is if the employment salary exceeds XXXX in which this position applied for reaches XXXX. This information was unlawfully reported and needs to be removed expeditiously. 

I filed a dispute via the company ( dispute # XXXX XXXX as well as the BBB ( case # XXXX ) and received a response from the company confirming they will not follow XXXX XXXX regulations. They stated they will only follow XXXX regulations, not XXXX. I have spoken with several attorneys regarding the issue and all have assured me that consumer reporting agencies not only have to follow XXXX regulations, but XXXX specific as well. I attached a copy of their response. They are in direct violation of XXXX XXXX and no one is offering assistance with removing the information from the consumer report to reflect properly. 

BUSINESS AND COMMERCE CODE TITLE 2. COMPETITION AND TRADE PRACTICES CHAPTER 20. REGULATION OF CONSUMER CREDIT REPORTING AGENCIES SUBCHAPTER A. GENERAL REQUIREMENTS Sec. 20.05. REPORTING OF INFORMATION PROHIBITED. ( a ) Except as provided by Subsection ( b ), a consumer reporting agency may not furnish a consumer report containing information related to : 4 ) a record of arrest, indictment, or conviction of a crime in which the date of disposition, release, or parole predates the consumer report by more than XXXX years ; or ( 5 ) another item or event that predates the consumer report by more than XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Last year, I received notice that my Costco Anywhere Visa Card account was to be closed because I no longer had a Costco membership, even though I did. I tried in XXXX to notify them of my membership status. In XXXX, my account was closed. I contacted Citibank, who told me to contact Costco. I went to Costco, who told me to contact Citibank, though they called Citibank for me, at which time I explained the issue. Citibank told me over the phone they would reopen my account and send a new card to me. After two weeks, I tried contacting Citibank again, via live chat on the Citibank website, as I could no longer sign in. I was told that I would not be getting a new card and my account would remain closed. I stated that I could not access my account to pay off the balance. I said I had not received a statement since my account was closed. I had been signed up for paperless statements. He told me that I had been receiving paper statements, giving me a date of the last statement sent, although I hadnt received it. To date, I have yet to receive a paper statement and a means to pay off my balance, though Citibank has been collecting interest since XXXX on my account, with no way for me to see the charges or pay the balance off. I do get an email notification each month when the automatic payment is made, along with a link to pay a different amount on my balance. That link takes me to the sign in page, of which I can no longer sign into, as I no longer have an open account. Citibank owes me for the interest/finance charges accrued since my account was closed. 

Last week, after subsequent emails and a phone call to a customer service rep who could understand my complaint, paper statements were delivered. After I added up the interest accrued from XXXX through XXXX, I wrote to say I would pay-off the balance by the due date of XX/XX/XXXX, if they would refund the interest they have been collecting since they took away my ability to follow the balance, payments and interest when they closed my online access. They have yet to respond. They do not want the account paid, they want to keep collecting interest.

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 2018-06-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Last year I tried to close my COD account with HSBC and after several tries, I gave up and just let it be. However on XX/XX/XXXX, I finally followed up again and closed my COD account with them. They said they would issue a check via XXXX within 5 business days. I still haven't received my check and its XX/XX/XXXX. After 3 follow up calls and a call to XXXX  XXXX, HSBC has no clue where the check is and only realized this on the last call. They were unwilling to take necessary steps to call XXXX and find out and give me a status and asked me that I need to call XXXX for this. They were so quick to close my account but where is my check for $ XXXX? I called them again today and now they can't find it and they are re-issuing the check. However they told me that they will call me back on Friday to find out if there are any further issues. Why is this taking so long? Its been almost 2 weeks that I haven't received my funds. How can a bank pass any of their key controls if they can't even pay back their customer deposits?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-30
Company: Bread Financial Holdings, Inc.
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
I have had a credit card with XXXX through Comenity for several years and rarely use it. I used the card over XXXX and completely forgot to pay the bill. I went in and paid online the balance ( 1 day late ) not realizing there was a late fee associated with the account. I received a phone call ~ 60 days later saying I was delinquent. I called, fully prepared to pay the late fee, and the late fee associated with the late fee, and close the account. The first representative took care of one late fee and said she couldn't close the account for me and transferred me to a care specialist. This person asked if she took care of the late fee would I not close the account. I said if there's a XXXX balance I won't close the account. She confirmed with me that there was a XXXX balance. Then, on XX/XX/XXXX, I received another collection call, this time for 4 late fees. So now I'm up to {XXXX}, all in late fees and interest associated with the first WAIVED late fee. I was on the call for 45 minutes while they tried to figure it out and was magically disconnected. I called back and was placed on hold, and again, magically disconnected. When I called back a few days later I was told the customer care manager would get back to me, and nothing. Now I'm in collections and can not get anyone at Comenity to speak about my account. I am a loyal XXXX shopper ( even without the card ) and I really think they should be questioning their partnership with Comenity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Hi I'm a XXXX Veteran i have been a member of USAA Federal Savings Bank for 8 yrs. I had purchase car insurance through usaa.I cancelled my car insurance with usaa on XX/XX/2020 every month since Ive had car insurance with them they have automatically taken out payments. They took out XXXX payment of {$440.00} from my checking account with them. I cancelled my car insurance on XXXX XXXX. They were also offering covid-19 payment plan so XXXX i paid {$51.00}, XXXX {$370.00}. The problem is they kept {$440.00} for the whole month of XXXX which I cancelled on XXXX XXXX. They say i owe them a balance of {$500.00} because they are still trying to collect and charge on a service I did not have anymore. How are they able to keep the car insurance payment for this month of XXXX and also charging me {$50000.00}. This company has had many complaints from other members about how they are cheating their members! I was also told by XXXX from the bank that if i ever get more car insurance from them i would have to pay {$500.00}. This is USAA Bank over charging people!! I have been an outstanding member of this bank! I shouldn't owe them anything they owe me a refund up until the time i cancelled with them on XXXX XXXX. Please investigate USAA! They are cheating members everyday!!! Please help me!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am the daughter and the court appointed Personal Representative Estate of my mother. My mother died on XX/XX/2020. On her date of death, XX/XX/2020, she had in her Credit Union checking account {$510.00}. 

On XX/XX/2020, my mothers husband/spouse notified the credit union of her death. 

On XX/XX/2020, a {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX was deposited to the checking account, for XX/XX/2020 pension. 

On XX/XX/2020, a {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX was deposited to the checking account for XX/XX/2020 pension. 

On XX/XX/2020, a {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX was deposited to the checking account for XX/XX/2020 pension. 

On XX/XX/2020, the XX/XX/2020 {$340.00} deposit was ( returned/Reclaims ) Paid To the XXXX XXXX XXXX 

After my mother 's death three separate amounts of {$340.00} were deposited into my mothers Credit Union non-joint checking account. My mothers husband notified the credit union on XX/XX/2020 of my mother 's death. The credit union did not put a hold on the first two deposits. Another deposit of {$340.00} was deposited on XX/XX/2020 and was returned on XX/XX/2020. The pension company tried to retrieve the first two deposits but the credit union did not return or release the funds to the pension company. 

I was under the assumption that the credit union froze those funds to pay an outstanding loan, but the funds were not froze and my mothers husband used the funds. The credit union said I have to get my mothers husband to return the funds to the pension company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
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: Personal information incorrect

Complaint:
I have a few inaccurate items on my credit report, my name is XXXX XXXX XXXX please remove/delete any variations of my name. I live at XXXX XXXX XXXX XXXX OH XXXX please remove/delete the following addresses they are not accurate:XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX , OH 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 2019-06-29
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have a few inaccurate items on my credit report, my name is XXXX XXXX XXXX please remove/delete any variations of my name. I live at XXXX XXXX XXXX XXXX OH XXXX please remove/delete the following addresses they are not accurate:XXXX  XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08
Company: EQUIFAX, 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:
i communicate several times with XXXX  XXXX  To Remove THAT errors FROM MY CREDIT REPORT, THEY DID NOT. I WAS NEVER LATE PAID ON TIME AS AGREED. THEY TOOK my car and didn't NOT Want TO do BUSINESS WITH ME.THEY CHANGE ACCOUNT STATUS from late AFTER 3 YEARS and it IS reporting as a REPOSSESSION. Now They Sell it TO COLLECTIONS Company XXXX XXXX, ALLEGED account # : XXXX XXXX ( ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX # : XXXX .Address is XXXX XXXX  XXXX, XXXX , CA XXXX, THEY REPORTED TO CREDIT BUREAUS AGAIN and RUIN MY life and CREDIT.. 


THANK YOU

Company response to consumer: Closed with explanation