BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I originally wanted to transfer some funds from XXXX bank account to another bank account. With changes HSBC has made to their online banking and further security procedures in place, you must have a security device and/or download an app on a phone or tablet, which I was not interested in doing. I do n't feel I need to be obligated or responsible for another electronic device or to do banking from an app, especially when the reviews are very poor. I asked to close my account when nothing could be done without signing up for their security device. I have been trying to close this account since XXXX XXXX and today with XXXX XXXX, without success. My address shown on the account was a previous address, which was about five years old and needed to be updated. They would not send the check to my new address ( even though I was able to submit government proof of my new address ). They need to submit the change to a different department and someone from the address or verification department was to contact me within XXXX hours. Five days later, I still had not heard from them. I made several attempts to get this resolved, but they continued to give me the run around. I could not close the account, without the address change, but they would not complete the address change. Today XXXX XX/XX/2015 XXXX, I try again to call to close the account. Now I am told that it will take another two days to close the account. Also, they will send XXXX but that someone needs to be present to sign for the package. I told them that no one is home during the day to sign for the package. I asked if I could have it sent to my office or have the package left at the house without a signature. I am told no. I will have to wait to get the undeliverable notice XXXX, then complete the form XXXX to make delivery arrangements or pick up at the XXXX office, which is not convenient when I get out of work or even open. Basically, with all of this I will not be getting my money for another week!!! THIS IS UNACCEPTABLE! I started out only wanting a transfer of a small amount, now I do n't have the small amount I needed and I ca n't seem to close my account neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13
Company: World Omni Financial Corp.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
My father passed away XXXX XXXX, 2015 with no assests. He had a lease with Southeast Toyota Finance at the time of his death in his name alone. At toyota 's instruction, the car was returned to a XXXX dealer on XXXX XXXX, 2015. A copy of the death certificate and explanation of the situation was provided. Since that time, Toyota and XXXX XXXX collection services have been contacting my mother and members or our family trying to collect a balance on the lease. We have instructed them by phone and mail to stop contacting us, yet they persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
There are XXXX accounts on my credit report which TransUnion is improperly reporting The first is a XXXX account which was good and in solid standing, Transunion somehow merged my credit report with another XXXX. 
This XXXX filed a Chapter XXXX Bankruptcy in XX/XX/XXXX. Because TransUnion added this bankruptcy to my credit report, creditors of mine began closing accounts including XXXX XXXX. I have attached all my statements from XX/XX/XXXX and XX/XX/XXXX PROVING that my account was used and in proper standing. I DID NOT file a CHapter XXXX Bankruptcy. There is no way that if I filed a bankruptcy in XX/XX/XXXX, dismissed in XX/XX/XXXX, I could have continued to use my credit card throughout and up until XX/XX/XXXX. 
Additionally, TransUnion REFUSES to verify payment information with a former creditor XXXX. This creditor insists that they are reporting my account correctly, but refuses to verify the payment details and payment history. This account was NOT included in a Chapter XXXX bankruptcy either and in fact the first derogatory mark occurred in XX/XX/XXXX. The account should have been deleted from my credit report in XX/XX/XXXX. TransUnion continues to report this negative information on my credit report. I have requested the original payment history from the vendor and the credit bureau and they will not respond. They just keep sending me a transcript of " updated '' when in fact nothing has been verified or updated.

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 2017-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
these liens where cancelled what is the same as with drawn if the credit bureaus now report withdrawn / cancelled they need to show that they are showing released what is incorrect reporting the report should show withdrawn/cancelled and should be removed from my credit report immediately Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-09
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I tried to work with Citimortgage to resolve an issue resulting from a second mortgage that they took foreclosure action on in XXXX. The timing of this action falls under the Cease and Desist order as well as the Consent Judgment filed against them and other lenders, in or around XXXX by the US Government. According to the Order and Judgment, Citimortgage is obligated to work directly with me if I have an issue with their third-party agent, in this case XXXX XXXX XXXX, a law firm. After speaking with Citimortgage representatives several times during XXXX, they told me that the third party refuses to release the file back to them and they can not do anything about it. However, they are under order to bring back files from third parties if consumers are having issues with them, which I am having. In addition, my original issue needs to be resolved directly with Citimortgage. That issue is I should have been offered remedies under the Order and Judgment but was denied access to these remedies by the third party. Please see attached documents regarding the fake mediation and judgment the third party coerced me into and their continued unfair actions against me in light of the Order and Judgment.

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 2015-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX 2014, I went over my credit card limit pumping gas at the pump by {$20.00}. For years I 've been paying my credit card bill online & that statement that follow had a minimum fee of about {$75.00} which I paid. However, for the next year XXXX Capital One charged me an over-the-limit fee every month, never again emphasizing on the online payment statement I was still over the limit. Being I had n't purchased anything on this card for a year I always paid the minimum fee over a bit more to try, what I thought I was doing, paying off the loan. However, the online payment window is vague with nothing more than the minimum payment, but I noticed after XXXX months my balance was going up. First off, I never agreed to allow Capital One to let my card go over the limit - which I thought was a new law- & that they were not supposed to charge me much more than the overage cost itself as the penalty. I would imagine the minimum payment should be such to get you back to your limit, but being this is not my only credit card I overlooked it. I believe they should not have let my card go over-the-limit with out my permission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXXXXXX Account # 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

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 2016-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Unauthorized charges were charged on my credit card. I have been contacting them every month and told them I did not make these charges that they were fraudulent. They send me letters that they are investigating and keep charging me interest and late fees. Credit reporting agencies have lowered my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-06
Company: PNC Bank N.A.
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX/XXXX/2015 a transaction conducted at the XXXX in XXXX was swipe for XXXX services as $ XXXXXXXXUSD instead of XXXX. The Resort as admitted to the transaction error and contact my bank to rectify. I filed a dispute with my bank on XXXX/XXXX/2015 dispute number XXXX. The only thing the case worker at the bank did was get a copy of the incorrect ( swiped ) transaction and has refused to credit back the difference. This is gross incompetency and/or the bank does not have the correct qualified employees working to resolve consumer complaints. I explained the transaction in question was an error and so did the Hotel, yet no follow-up nor verification beyond getting a copy of transaction was done by my bank. I have copies of the final hotel bill showing billing was XXXX, emails from Hotel explaining the error, and names of individuals at resort vainly trying to resolve this with my bank. My bank has not responded to any letters from the resort 's accountants and bank to have this resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I attempted to get my free annual Experian credit report on-line and failed due to the obscure security questions that were asked. After failing to get the free report, the system showed that I had received it ; however, I did not receive it.

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 2017-03-01
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind on my mortgage in XXXX due to a temporary loss of income. I started the loan modification process with my lender in XXXX and to date, I am in the process of requesting another loan modification due to previous denials. In this process, I 've always been informed by my personal account specialist named XXXX that as long as the loan modification is under review it would prevent or place a hold on any foreclosure proceedings. I submitted my monthly loan mod in late XXXX, again being advised that the review would avoid foreclosure, and lo and behold, I was served with a foreclosure summons in on XXXX while my loan mod was in review. I 've continued to file loan mods since the foreclosure summons for the months of XXXX and XXXX. My most recent denial was on XXXX, in which I still have yet to receive a denial letter, but last week I received a letter from loss mitigation indicating that an Forbearance mod might be available and as of yesterday, I now have a XXXX sale date on my home. My intention in to stay in my home where I 've built a life in with my husband and family. I 've missed the foreclosure case status date on XXXX due to my loan mod app still being in review, and again the foreclosure process would cease while my loan mod is in review. XXXX from Ditech contact me on XXXX to update me on the loan mod status, in which it was still in review and no decision was made as of yet, which is why I did n't attend the status call, only now to find out that the loan mod was denied after I spoke with the agent. I feel that Ditech has dropped the ball on many accounts during this stressful period and is now leaving me resulting to staying persistent with them hoping to inundate them with modification applications and possibly hiring an attorney to fight this battle.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-01-23
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I opened a XXXX XXXX account throughCommenity Capital Bank. They were supposed to allow for financing of a specific product, but after opening the account, failed to live up to their advertisement. So, I called and closed the account. They confirmed that the account was closed. 

About a year later they emailed me asking for updated personal details about my ( open ) credit account with them. I called and asked AGAIN that they close it. They once again confirmed that it was closed. 

Received another email about my account on XX/XX/2017. This account SHOULD be " Closed at consumer 's request, '' but they continue to keep it open against my wishes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08
Company: Porsche Financial Services, Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
The Employer of XXXX XXXX pays all Creditor monthly payments as part of the employee agreement for salary ; disclosed to Porsche Financial as the income received to comply with the financial commitment for payment. In XXXX the office clerks paid two monthly payments from the wrong checking account and both payments were paid to the Creditor when the Bank advised that each payment was not funded to be paid. 
After the XXXX incidents the office clerks could no longer make a payment on the website, or by phone to the Creditor. The office clerks offered to send 5 monthly payments total of {$10000.00} ( pay in advance to XXXX XXXX ) by a Money Order or Cashiers Check by Overnight Mail and the Creditor refused to accept any payment on XXXX XXXX. Since every month that the office has tried to make payments all attempts have been refused and the Creditor wants the car back. I have the money to pay and I do n't want to damage my Credit by not honoring a financial commitment, I have not lost my job nor have I had a family tragedy preventing me from paying. Now the creditor does not want me to pay the amount due til the Lease Contract that ends XXXX XXXX, they want me to pay the total value of the car {$130000.00} plus about {$6000.00} for Attorney 's fees when I wanted and offered to pay they did n't need an Attorney who has claimed that I wanted to sell the car to an innocent person, the car was abused. I had to take the car to the Dealership and it was inspected and recognized that it was kept in a garage, clean, under the annual mileage of XXXX miles. The car has XXXX miles to date. 
The car is an investment for me I planned to purchase the car at the end of the Lease it is a Limited Edition of Porsche, it is a Targa XXXX. This is a rare model, I drive occasionally only. Please help me I want to pay all monthly payments that I owe to have my account current and they will not accept my monthly payments. monthly payments to pay to bring account to current status is from XXXX XXXX to XXXX XXXX is {$18000.00}. 
Please help me with the car and my credit. 
Thank you- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XX/XX/XXXX sent a letter to Equifax disputing a bankruptcy that is listed in my credit file requesting validation that it belongs to me. 
XX/XX/XXXX received a letter from Equifax stating that they " verified '' that the bankruptcy belongs to me but did not provide proof used to validate that it belonged to me. 
XX/XX/XXXX sent a letter to the US Bankruptcy Court requesting confirmation of what their procedure is for verifying records to credit reporting agencies. 
XX/XX/XXXX received letter from the the US Bankruptcy Court stating that the Clerk 's Office does not report information to credit agencies. 
Equifax found this information on third party research and did not get the information they are reporting from the courts as they do not verify information. Therefore the bankruptcy must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage account with Bank Of America in which I open on XX/XX/XXXX. I have made every payment on time since the account was open in XX/XX/XXXX. In XX/XX/XXXX I filed for chapter XXXX bankruptcy with a lawyer in XXXX, PA. I then change my mind and had my lawyer to dismissed the chapter XXXX bankruptcy. The chapter XXXX bankruptcy was never implemented or went into bankruptcy court. The judge signed the chapter XXXX dismissal from the lawyer. Bank Of America should never have closed my account. The bank will not give favorable credit ratings to the XXXX credit reporting agencies. I have ask Bank Of America to correct my account and they said they will not. Bank of America send negative and inaccurate information about my account to the XXXX credit bureau on me and my wife although I 've paid every payment on time since XX/XX/XXXX. My wife and I have a XXXX ( low ) credit score because of Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-12
Company: Empowerment Ventures, LLC
State: OK
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
They closed my account then said they were sending a check for {$750.00} the amount that was in my account it 's two months later I 've yet to receive my money despite contacting them ten times or more just getting the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
A loan was taken out for XXXX and disbursed XXXX/XXXX/XXXX and out of school date was XXXX/XXXX/XXXX under loan # XXXX. Co-signer #. XXXX. Payment of XXXX was made in XXXX/XXXX/XXXX and late fee of XXXX. The account balance should be approximately 14,000 with interest and late fees. In the mean time IRS refund checks under XXXX XXXX XXXX XXXX From XXXX - XXXX are being sent and directed to U.S. Dept of education national payment center, XXXX. XXXX XXXX, XXXX XXXX XXXX. I am told that the account was referred to this company for collection. This company created a new account under XXXX and claiming the amount due is XXXX. I believe that the aes and this company is accepting and making the account owed double. I would like to have the IRS make this company send those funds to the proper payment center in XXXX XXXX where the account originated. I would like to have the daily compounded interest and late fees adjusted properly from XXXX. Any questions please contact me at XXXX or email me at XXXXXXXXXXXX.

Company response to consumer: Closed with explanation