BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I submitted a dispute with the credit bureuas for them to look into a few accounts that are reporting that i'm not aware of. I have not received anything to update me on the status of these accounts or if they're looking into it or not. 

Letters sent to the bureaus on the following dates : XX/XX/2021 XX/XX/2021

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 2021-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The XXXX XXXX XXXX is attempting to collect a debt that is 1 ) Possible identity theft and 2 ) Possibly past the statue of limitations for collection.

Transunion also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency.

I am now demanding proof proving this debt belongs to me, including proof of my identifying information that connects this debt to me.

I am also demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's

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 2017-06-15
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX : Paid the total amount due on the Citi Credit Card.
XX/XX/XXXX : Check account to verify that all balances were at XXXX. Discover a new charge of {$69.00} has been added. Make payment in amount of {$69.00}. Total account balance is now at XXXX again. XX/XX/XXXX : Check account again to verify balance is at {$0.00}. Discover a new charge of {$45.00}. Contact Citi, and I am told that even though I paid off my balance, interest fees continue for up to two months after. I pay the {$45.00} balance and close my account. Associate asks if there is anything to remedy that problem, I say to credit me that two interests charges that I have been charged since paying off the total balance due, and I am told interests charges are hard to overturn. I close my account. No other card I have ever had has continued to show a balance after I have paid off the account. I feel that the way Citi has done this is deceptive, because most people will pay off the balance and figure that they are done. If I had n't checked on my own to verify my XXXX balance, I would still be accruing late fees etc for not paying on an account that I thought was at {$0.00}. As of this writing, I ca n't be 100 % sure that I wo n't have another interest charge in another month.

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 2022-04-07
Company: T.S. Holdings
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/2022 ( between XXXX and XXXX CT ) I started out offering to take care of the debt owed. I only asked that it be removed off of my credit report, or for them to send me a letter or email stating that it will be removed from my credit report upon payoff of the ddebt. The lady I had spoken with stated she would ask what she could do to get it removed. She stated her supervisor wasn't going to send me any correspondence about removing it, but that it would be removed if I paid it off in full by the end of the month, that's what they were requiring. I told her I couldn't do that, she asked how much I could pay, I said {$50.00} a month until it's paid off. She said to let her talk to her supervisor about it, moments later he came on the phone aggressively telling me that he isn't sending anything and it had to be paid in full by the months end or it wouldn't be removed from my credit. I said I need to have proof it'll be removed they said again that they wasn't sending anything about it to me. I said it's unrealistic for me to pay it off by the end of the month since I have other bills to pay, and XXXX that live with me. I said again I can pay {$50.00} a month until it's paid off, he said he doesn't need me to pay anything because they have my work info and they'll take me to court that he doesn't care, and he was talking over everything I was saying so I toldld him not to threaten me, and I told him I was disconnecting the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
The reason Im writing this letter is to dispute my most recent late payment. This is my Walmart account. Because my account was set on Autopay, I had no idea my account was past due. I was not informed that my Autopay would be cancelled. Because the bank XXXX XXXX cancelled my autopay I was never properly notified. Im very upset with this reported late on my credit report as this was late through no fault of my own. I was with CapitalOne many years ago and I had a negative experience. I said I would never bank with CapitalOne again. However, my Walmart account as switched from synchrony bank to CapitalOne. I assumed that my autopay would stay on and had no idea that my autopay would be cancelled. As a result my credit report is showing late Please Im asking CapitalOne to do the right thing and update my credit report to show a 100 % paid on time.

Please update my credit report to show 100 % paid as this was not my fault and I find it completely unfair that because Walmart switched banks that I should be penalized. I understand that when switching companies on such a large institution that there may be  oversights. But Ive worked very hard on my credit and for my first experience with CapitalOne to be a negative experience is frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: CITIBANK, N.A.
State: DC
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 two Citibank student loan accounts that are negatively affecting my credit report ( A redacted screenshot is attached. ) -The " first account '' was opened in XX/XX/XXXX. I experienced financial difficulty beginning in late XX/XX/XXXX. Despite making minimum payments, Citibank charged-off the account in XX/XX/XXXX. <P/>
-The " second account '' appeared on my credit report in XX/XX/XXXX. This second account is listed as being " In Collection. '' -There are separate telephone numbers for each of these two Citibank accounts. I called the number associated with the " first account '' and the recording indicated that Citibank no longer services student loans and that I should contact " XXXX XXXX. '' Upon contacting XXXX XXXX, I gave them my identifying information and they indicated that they could not find an account for me. I called the number associated with the " second account '' and the recording indicated that the number dialed was no longer in service. <P/>-Thereafter, I filed a dispute with the three major credit reporting agencies ( XXXX , XXXX , and XXXX ). The results of my disputes with the major credit reporting agencies stated that the information for both Citibank accounts is " accurate and has been updated. '' -Request for resolution : 1. How can the information related to these two Citibank accounts be " accurate '' when neither telephone number will put me in touch with someone with knowledge of these accounts? <P/>2. How were the major credit reporting agencies able to contact someone to allegedly validate this information when I can not do so with the information provided in my credit report? <P/>3. Citibank has neither notified me about the " second account '' that is allegedly " In Collection '' nor have they provided me an opportunity to address this collection account.

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 2022-04-07
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We made the credit card balance payment on the due date XX/XX/2022 at XXXX pm CST ( the time zone where we live ). But the card issuing bank ( Citi ) still charged us a late fee ( {$29.00} ) and an interest ( {$27.00} ) saying that the payment should have been made by the Eastern time. Never did they say clearly that the deadline is according to the EST ( or, it must have been in very fine print which we were never made aware of ). In our opinion this amounts to defrauding the consumers by using a different time zone to slap consumers a late fee and an interest, and hence we are seeking a full refund of the total disputed amount ( {$56.00} ).

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 explanation
Consumer complaint received 2022-04-07
Company: Bonded Collectors of Wisconsin, Inc
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They have been calling me for over XXXX  years. Over and over and over. They just keep calling. I have told them repeatedly to STOP calling me. They don't care, they just keep harassing me. I have never recieved anything in writing proving this debit and it has now turned into harassment and I want it to stop!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: KY
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:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XXXX/XXXX/202 and | XX/XX/2021 it's more than 60 days. I need these accounts deleted or updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My car was recently totaled. The insurance settlement was not enough to pay the balance owed and GAP insurance refused to pay because the value of the car was considerably less than the balance on the loan. I reached out to Santander to inform them of this issue to see if we could come to a settlement that is fair to both parties or have my payments lowered so that I can afford them, considering that I now have to make payments on a vehicle I now longer have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My girlfriend was   XXXX   and on  XXXX . She was found to have the   XXXX   XXXX   XXXX   and her doctor ordered me to go give a   XXXX   XXXX  . The hospital now has it in collections and it should have gone under her insurance. I have made several attempts to speak with the head of billing at  XXXX   XXXX  as well as going into the hospital on several occasions and have been turned away and told " just pay 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 explanation
Consumer complaint received 2021-11-15
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 we noticed a {$300.00} transaction from XXXX XXXX XXXX was approved and pending on our account. We immediately called Chase and notified them of the fraud and to get a new debit card number. This all happened ok except having to wait an hour on hold and being disconnected multiple times. 

I thought everything was ok and we watched the account for the outcome of the pending transaction. Would it fall off or post? If posted we knew more follow up would be required. As we waited, we were using the remaining debit card as the other was shut off. On Sunday, XX/XX/XXXX we withdrew funds from an ATM to purchase our XXXX son a puppy. I got a text from Chase fraud asking if I attempted the transaction. I replied yes and Chase acknowledged my reply. Next, Chase restricts my account and will not allow access to my remaining funds. I am being treated like a criminal instead of a victim of fraud. I have tried to call multiple times. The average hold time is an hour and a half. The agents do not try to help or offer anything. We get disconnected in hopes we dont have time to wait another hour and a half. We tried the branch no help there just to call the fraud department. Well thats more wait times over an hour and the agents just transfer us around with more exorbitant hold times. The bank is willfully understaffed. 

I need someone to resolve this. I just need someone to help me. I hope the cfpb can get someone to help and address their service levels. 

At this point, I dont know if I want to continue business with them. I just want what is rightfully mine. It is criminal to hold someones money hostage without being able to talk to a person without spending hours upon hours on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: C/C Financial
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: Account status incorrect

Complaint:
ACCOUNT IS SHOWING LATE PAYMENT! THIS ACCOUNT HAS NEVER BEEN LATE AND WAS PAID IN FULL IN AS DESCRIBED IN AGREEMENT. 

15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector of the express permission of a court of competent jurisdiction, a debt collector man not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
The reason Im writing this letter is to dispute my most recent late payment. This is my Walmart account. Because my account was set on Autopay, I had no idea my account was past due. I was not informed that my Autopay would be cancelled. Because the bank XXXX XXXX cancelled my autopay I was never properly notified. Im very upset with this reported late on my credit report as this was late through no fault of my own. I was with CapitalOne many years ago and I had a negative experience. I said I would never bank with CapitalOne again. However, my Walmart account as switched from XXXX XXXX to CapitalOne. I assumed that my autopay would stay on and had no idea that my autopay would be cancelled. As a result my credit report is showing late Please Im asking CapitalOne to do the right thing and update my credit report to show a 100 % paid on time. 


Please update my credit report to show 100 % paid as this was not my fault and I find it completely unfair that because Walmart switched banks that I should be penalized. I understand that when switching companies on such a large institution that there may be oversights. But Ive worked very hard on my credit and for my first experience with CapitalOne to be a negative experience is frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
CFPB reference number  XXXX  shows very grave discrepancy which created bias or obstruction. The complaint process before  XXXX   XXXX ,    2017  and the same process after  XXXX   XXXX ,  2017  can be compared and contrasted because I suspect that time and attendance fraudsters got away with malfeasance or criminal gamble. I believe that I voiced my concern to the  USDOJ  fraud reporting  hotline both times  before and after  XXXX   XXXX ,    2017  where the hard copy and its microfilm must embarrass the ongoing meddling probe and its failure to act while supplies last.  XXXX  is fighting wastage, I guess. To make matters more transparent, The hard copy is faxed to  XXXX  on  XXXX / XXXX /   2017  exactly at  XXXX   XXXX . I skipped OIG or ombudsman or all authorized or unauthorized representatives at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX have been approved for a home loan modification with Caliber Home Loans Inc., through the efforts of a law firm known as the XXXX XXXX XXXX based in the state of California. After making my initial three modification payments, Caliber Home Loans , Inc. is  now refusing any additional payments, including a certified check I sent during the month of XXXX 2017. I was only {$30000.00} behind in mortgage payments, and Caliber Home Loans is reporting on credit bureaus that I was {$140000.00} behind in payments. My problems began when I was almost killed in a work-related accident, however, I am fully back in the work force. Caliber Home Loans, Inc. is in direct violation of my rights under the Fair Debt Collection Practices Act, and not only do they have to accept my payments under the new terms of modification, but they must adjust my balance on credit accordingly. I have no other option but to submit my request for fairness directly through the CFPB as the XXXX XXXX XXXX has not acted quickly on this problem. I am well within my rights as an American consumer to utilize the services of the CFPB to help me rectify this serious problem. Caliber Home Loans, Inc. must accept my payments and abide by the modification agreement to be filed on public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I went to the bank to get a hold placed on my account because of unauthorized transactions. I was refused this because I had a deposit incoming that the bank wanted and instead the bank disputed their fees and the transactions for me. At this point I was informed and had confirmed by the branch manager of the bank that I would get two different provisional credits, one immediately and the other in 10 days. Yesterday was the 10 days and the second credit did not arrive. I called the bank and got excuses and we aren’t giving you what you were promised and when I demanded the bank manager call me back he did not reach out to me. All because the bank was caught in a lie. I want this situation to be resolved by the credit I was told I would receive being immediately placed into my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 went to XXXX XXXX XXXX ( XXXX ) with XXXX XXXX to co-sign a personal loan because she was in debt and could not get a loan to pay her bills from any bank or credit union because of her current bankruptcy status at that time. We agreed that she would pay back the loan in full amount with monthly timely installment payments. During the process, I remember signing the documents then passed them to her to signed. She said she would make copies and give them to me later. She never did give me a copy. Months later, she was XXXX, and I offered her my guest room temporarily. During her temporary stay, I started to receive delinquency notices of past due payments from the credit union and a disconnect notice from XXXX XXXX company. I decided to evict her out of my home because she was very financially irresponsible, disrespectful, and recklessness with my credit rating. XX/XX/XXXX, I went to XXXX branch, got a copy of the loan, spoke to the Branch Manager w/ no help, and notice that the signature and initials were not mine, XXXX XXXX signature and that of the XXXX representative, XXXX Waiters, were missing, a debt sheet with creditors of XXXX XXXX XXXX, and the personal loan was only in my name with my SSN, Phone #, and Toniette XXXX XXXX email . At that point, I decided to contact all the necessary agencies to start the process to end my identity involvement is this alleged loan fraud and predatory lending practice by the representative and the XXXX. XX/XX/XXXX, I called the XXXX XXXX XXXX and XXXX XXXX and received a message to file a report via FTC website. On XX/XX/XXXX, I went to the XXXX branch and had to pay {$1400.00} to bring the account current to stop getting my credit report hit with 30 day late notices from XX/XX/XXXX after talking with a representative the day prior because I notice my credit score was in the XXXX hundreds down from the XXXX and XXXX and had to password protect my account in person at the physical XXXX branch. Corporate office was no help, they just give excuses about they would investigate. Currently in the process of obtaining an Attorney for filing with the Courts.

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