BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: FIRST CITIZENS BANCSHARES, INC.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I called CIT bank over two days over 5 hours on hold finally got through and they disconnected my call I'm unable to get online with all attempts so I continued to call with no response form CIT This bank has XXXX + of my money and I want it out of that bank and Im unable to do this Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: UNITED BANKSHARES, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've been making additional principal payments since XX/XX/2020 ; however, these payments are not being applied to my principal balance in a timely manner. I have to call United Bank on a monthly basis to have them apply the payments to the principal balance. If I do not call the payments will not be applied even after the regular monthly payment has been satisfied. I've been told on numerous occasions that my account has been noted to apply all additional payments to the principal balance but this is not occurring.

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 2020-09-03
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a letter via mail using my right per FCRA, which states that if the company is unable to verfiy/validate the debt they must delete all reporting from all 3 credit bureaus. it has been more than 30 days, therefore they are violating the FCRA rights.

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 2020-11-19
Company: EQUIFAX, INC.
State: TN
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 consumer, XXXX XXXX recently reviewed a copy of my credit report and I notice several inaccuraries on my credit report. I didnt authorize these accounts and they are violating my rights according to the FDCPA. The Credit reporting agencies continues to violate my rights according to XXXX XXXX XXXX. I have attached a copy of my FTC and Identifiers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I 'm getting bills for a card that I have never used. I have an Amazon credit card # XXXX that I promptly pay the bills as soon as they are mailed to me. Chase Bank keeps sending threatening letters demanding payment and adding penalties from a credit card named Amazon Prime # XXXX. I have never used that card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: TD BANK US HOLDING COMPANY
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:
I have contacted Nordstrom/TD Bank and XXXX numerous times via phone and written letters in regards to identity theft. This account has approximately XXXX charges that were unauthorized and used without my consent. I have sent a police report in regards to this matter as well as a identity theft report. This account is showing inaccurate information reporting on my credit deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws in the Metro 2 data field formatted reporting standards, therefore lawfully you must ERADICATE any and all adverse remarks. I have a notarized statement in regards to the identity theft that was sent XX/XX/2020 and additional information that included the police report and identity theft affidavit was sent certified XX/XX/2020. XXXX  has not presented method of verification and I s reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Experian Information Solutions 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:
On XX/XX/2020, and XX/XX/2020, I wrote to Experian, XXXX  and XXXX requesting an investigation into items that I believed were Inaccurate .To date, I have not received a reply from any bureau or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information.

I was a victim of identify theft years ago and have documentation from the IRS to prove so.

It has been more than 90 days since I have reached out to fix this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was able to open the city goal checking account debit card number XXXX. When I tried to transfer money to this account it was closed. When I called in team choir why I was told it was because there was some negative history with the bank. When I inquired about resolving it they told me that I would have to go into a branch. I explained they had an XXXX XXXX XXXXe and the pandemic offered risk to me and I was not going to places like branches under doctors orders. When I asked to ask could be done so I could open the account they said I would have to visit a branch. I explained I didn't find that hair because it was discrimination against people or that used to try to limit contact with other people during the pandemic. I believe that they need to adapt to the current state of the world and if I would be able to open an account by going to the branch another and the pandemic offered risk to me and I was not  going to places like branches under doctors orders. When I asked to ask could be done so I could open the account they said I would have to visit a branch. I explained I didn't find that hair because it was discrimination against people or that used to try to limit contact with other people during the pandemic. I believe that they need to adapt to the current state of the world and if I would be able to open an account by going to the branch another Mechanism must be made available in these times

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 2021-04-29
Company: Square Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX Fraudulent unauthorized {$80.00} Cash App XXXX XXXX XXXX XXXX  purchase debited to my bank checking account .Bank notified and bank directed me to contact Cash App for full refund. Cash App contacted via email on numerous occasions Cash App representatives emailed back alleging to investigate to no avail. Online purchase listed as Cash App Square XXXX 
Similar case occurred in XX/XX/XXXX in XXXX, Texas where Cash App refunded {$2500.00} to a customer for fraudulent account withdrawals after customer reported incident to news media.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX I received from Capital One Bank a letter stating that my credit line dropped from {$50000.00} to {$20000.00}. I checked my credit history with XXXX and everything looks very good, no frauds, no mistakes. I called the bank to ask what happened and they told me I didn't spent enough even I use my card almost everyday. I am worried that my credit score will drop drastically for something that I worked hard all my life to be in very good shape. I don't think is fair if you are paying your balances in time, you don't have any loans, any debts, to go through this. Is this real standard procedure? In more than 20 years i never experienced something like this. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Trident Asset Management, L.L.C.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2015, Trident Asset Management began reporting an inaccurate collection account of {$290.00}, regarding an account they said they " purchased '' from XXXX. I have never had service with XXXX. Several years ago, I did contact XXXX about getting cable service at my former residence in XXXX XXXX, XXXX XXXX XXXX out and said service was n't available in my area. Later, I got a bill from XXXX for equipment that was " not returned, '' which is absurd since I received no equipment from them as they could not provide service to the area I lived in at the time. I attempted to fix this with XXXX at least five times through their customer service department. I also disputed the information XXXX reported to the various credit bureaus. XXXX did delete its information when I disputed it. But, lo and behold, it shows up on my credit, again, under Trident Asset Management. When Trident reported it, they appear to have " re-aged '' it as the date of original  delinquency is more than six months more recent that what XXXX had reported. We all know means it will remain on my credit for longer as a result of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed this debt with the debt buyer on XXXX XXXX, 2020, I have attached the tracking sheet that verifies the dispute was signed for on that date. In that letter I asked the company to verify the debt by providing signed copies of any agreement I entered into, which they failed to do. In response to a dispute filed with you they forwarded a statement that contained my name and a former address, but nothing that verified the debt. I disputed the debt through the XXXX  XXXX XXXX and they denied having any paperwork that they could provide, stating that the account had been handled through XXXX XXXX XXXX. I sent mail to XXXX and they denied having any information regarding the debt, actually saying they could not locate any information using the information I provided. There is no account material to prove that this is my debt and I do not feel that XXXX  has been truthful in saying that the debt has been verified as they also will not provide me with any documentation that it is a debt legally owed by me..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have had a credit card with bank of America for over 8 years I have alwaus submitted payments on time. During the pandemic I was unable to access my account due to lost phone when I logged in I did the full payment of my balance wich was {$50.00} I have over XXXX $ in the account I never received a letter or call that the account was past due now I see they reported late payment to my credit wich is affecting my ability to get a credit. I have always paid on time and the {$50.00} is paid in full so I don't understand why this was reported without notice. I really need this to be removed I've been a customer for 10 years never missed a payment and this is causing me issues. 

The balance is paid in full and I would like this to be removed from 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 monetary relief
Consumer complaint received 2020-10-24
Company: SN SERVICING CORPORATION
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My husband and I purchased a home in XXXX through XXXX XXXX XXXX. Two years later, we were very close to losing our home because of the recession and being in a  compromised financial situation. We had an 80/20 loan and the  primary mortgage which was with XXXX XXXX worked with us to keep our home. XXXX XXXX modified our loan and we were able to stay in our home. On the other hand, XXXX  XXXX XXXX which was the Home Equity Line of Credit did not modify and our account went into default. A few months later, XXXX  XXXX XXXX sent us a XXXX  balance notice and we thought everything was written off due to the predatory lending that XXXX and XXXX  XXXX XXXX were involved in. We thought nothing else of it until XX/XX/XXXX when realtors showed up at my door step informing me that they could help with our foreclosure. I was informed that this collection agency SN Servicing XXXX Trust has a lien on our property and is proceeding with foreclosing on our home come XXXX XXXX. I have received a Trustee Sale that has been filed with the XXXX XXXX Office. I feel hopeless. I thought that debt was taken care of by XXXX  XXXX XXXX. I have called XXXX  XXXX XXXX and they show no record of the original debt. How is this possible? We feel hopeless due to not having the XXXX balance notice. It has been 13 years and this debt collector popped out of nowhere. Is this legal to do? How can a debt collector take someone's home like this. It's been 13 years and we were victims of the predatory lending practices of XXXX. A few days ago I received a settlement check from XXXX law stating we were part of an appraisal class action lawsuit against XXXX XXXX XXXX. And now this. I can not comprehend and I need someone to explain what is happening here. I called the debt collector to see what was owed and it is outrageous. I looked this debt collector on the XXXX  website and they have 13 complaints against them. I am concerned with the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
In XX/XX/2020, I filed a dispute with this credit major bureau about the unverified account : XXXX XXXX XXXX account # XXXX. In those two months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days which is a violation of the FCRA. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you

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 2020-07-29
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX XXXX {$1300.00} XXXX XXXX {$2800.00} XXXX XXXX {$460.00} XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
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: Public record information inaccurate

Complaint:
Request all nquiries be removed from my credit files account ASAP. 

I reported to XXXX XXXX on XX/XX/XXXX to attend basic combat training at the United States XXXX XXXX XXXX, XXXX XXXX, South Carolina. After completing the nine-week basic training course, I was transferred to the XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, Arizona. I graduated from the Human Intelligence Collector course in XX/XX/XXXX and then completed XXXX XXXX at XXXX XXXX, Georgia. 

Amazingly, I XXXX twice in three years to XXXX. During my years of service, I received the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the Unit Presidential Citation, the Global War on Terror, the XXXX XXXX XXXX, the Combat Life Saver Badge, and Qualification Badges for the XXXX Rifle and the Hand Grenade. 

Submitted a police report identifying the high number of fraudulent inquiries number out times. Only several inquired are valid hard inquiries. I need all removed except XX/XX/XXXX and XXXX from all three credit files ASAP.

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 2020-09-03
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Im writing for the refund of {$380.00}, the ACH payment pulled from my checking account XXXX XX/XX/XXXX. 
I purchased a new XXXX XXXX XXXX in XX/XX/XXXX. I financed through Hyundai to take advantage of an additional {$1000.00} off the price. To satisfy the terms I needed to make 5 payments and then refinance. I made the 5th payment in XX/XX/XXXX and sought financing through XXXX XXXX XXXX XXXX. Hyundai received the 10-day payoff amount in full on the XXXX of XXXX. Sadly, Hyundai processed an additional payment from my checking account. Im writing for the refund of {$380.00}, the ACH payment pulled from my checking account XXXX XX/XX/XXXX. 

Ive called Hyundai Finance customer service beginning XXXX XX/XX/XXXX to get this action corrected. Most recently today, XXXX XXXX, I spoke with XXXX who stated he added to XXXX XXXX complaint and advised me to call back in 5 - 7 business days and call later in the day. On XXXX XXXX, XXXX, Supervisor, assured me that the refund would be processed and that I would receive payment by XXXX XX/XX/XXXX. No payment has been received. XXXX was not the first to assure of this, many before him failed as well. Hyundai has not provided in writing satisfaction of loan payoff and the excess amount owed. These facts have been shared a dozen different times with different named persons answering at Hyundai Financial ( XXXX, XXXX, etc ). 
The loan number was : XXXX Payoff was from XXXX XXXX XXXX XXXX for the stated 10-day payoff of {$18000.00}. After 180 days it is time to provide this overpayment Refund,  {$380.00} to me at the address on 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 2021-11-01
Company: EQUIFAX, 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:
I previously requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested.This is a request under FCRA 611 ( a ) ( 7 ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the items, as originally requested. The accounts I am talking about is XXXX  XXXX  XXXX XXXX  XXXX and XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Experian Information Solutions 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:
I recently requested a copy of my credit report from all three credit bureaus. When I received the report from 2 of the 3, I saw that they had some false information on it so I wrote my first dispute letter requesting documents they had to validate these debts. Some of the items were removed and others werent. The item Im referencing now is with a collection agency called XXXX XXXX XXXX. It was for a school that I never attended. I have asked for proper documentation with two different dispute letters but the credit bureaus nor the collection agency will comply. If they cant provide me with documentation of this debt then it needs to be removed from 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