BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Unable to complete dispute on Transunion site. Credit card charge off is not mine and I did not apply for it. It belonged to ex spouse and is part of her bankruptcy claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Contacted Transunion regarding several inquiries ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) that were on my credit report, those of which I did not sign a contract with these creditors for their service or their products.

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 2021-06-22
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Purchased an appliance at Home Depot in XXXX, Utah for just under {$1500.00}. Salesman suggested I open a Home Depot Credit Card to save 10 %. Transaction and credit card application went smooth. I was told the delivery date due to covid was 10-12 weeks. 

4 weeks later I get a bill from Citibank Visa / Home Depot credit card. They first payment is due. The only problem is I do not have the appliance yet and wont for another 6 weeks. I contact Citibank and express the details to them. They let me know that company policy is to start collecting the moment the sale goes thru, regardless of delivery time. This does not make sense to me - I do not have the product. After arguing fro 10 minutes with the first 2 reps and a supervisor they insist I pay the first payment or they will add on interest and late fees. I refuse to pay. 

2nd month bill comes in and sure enough, interest and late fees are now on top of the appliance cost. I call again and they tell me the same story. I contact Home depot and they tell me their is nothing they can do as once they sell it Citibank takes over. 2 more weeks go by and the appliance shows up with a big dent in the front door. The delivery company loads it back up and takes it away. Another 12 week wait. I call Home Depot and cancel the order.

3rd month bills comes to me from Citibank / Home Depot and the initial appliance amount of {$1500.00} is gone but the interest and late fees are still there. I have continued to receive a bill every month since with more late fees tacked on and more interest added on. Now they have dropped my credit score by 100 pts and persist to call me at least 5 times a day - yes 5 times a day. How is this possible for something that I never even had in my possession for 1 second???

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 2016-02-22
Company: FIRST NATIONAL BANK OF OMAHA
State: MI
Product: Credit card
Issue: Delinquent account

Complaint:
There is an account in my name with First National Bank of Omaha ( FNBO ) which is reporting on my credit reports negatively for none payments. However, FNBO refuses to provide me any type of access to this account. FNBO claims security issue with this account and or a fraudulent account. As a result of this I have informed them via phone and by mail ( certified letter ) if they report any information regarding this account to my credit report, particularly negative information, they would be willingly violating the FCRA. Again, FNBO refuses to provide me any access to this account online or via phone. Whenever I go online and enter my information FNBO 's websites states either I have no account or website error. My question is this : If FNBO themselves have concluded possible fraud or questioning the authenticity of this account and refusing to allow any payments so I can at least avoid any negative information on my credit reports until this is resolved. HOW CAN THEY REPORT ANYTHING to the credit bureaus? I have documents to attach I also have recordings of phone conversations ( do n't know how to attach those ). I have also sent letters to XXXX, XXXX and XXXX XXXX disputing the negative information. I have been denied business and personal loans as a result of FNBO 's reckless and willing violations. Finally, from previous records on my credit report it seems the original balance on this account was {$4000.00} however FNBO at sometime lowered it to {$1000.00} causing an effect that displays more negative information with this account being severely over the limit ( account balance around {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Experian Information Solutions Inc.
State: LA
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 have an open XXXX  XXXX XXXX  credit that I currently use so I dont know how I have a charged off account with them

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 2016-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Wrong Address also XXXX report had wrong year of birth also had myself listed as XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Radius Global Solutions LLC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My insurance company  (   XXXX  of Arkansas  )  had an internal processing error, which resulted in my, and everyone else insured by this company, policies to not be renewed. These claims were denied due to this error. I eventually had the problem fixed and my policy was then renewed. These collections were inisiated due to no fault of my own. If they would resubmit them to my insurance company the debts  may  be paid. 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 2015-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have an eviction on my record from XXXX XXXX Apartments in XXXX XXXX XXXX, Utah. XXXX Apartments filed a retaliatory eviction against me. We went to court and settled that I would pay the remaining rent balance and not post anything online and move out at the end of XXXX 2015. I complied with everything that was agreed upon in court and in return they was supposed to give me neutral renters history. However after paying the balance which was agreed upon XXXX XXXX Apartments made extra demands for money that was not part of the settlement and have issued an eviction on my record. XXXX XXXX Apartment not only filed the illegal eviction but attempted to extort more money from me because of my military status and fear that an eviction would negatively affect my career.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-13
Company: ALLY FINANCIAL INC.
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I 'm trying to buy a leased vehicle from a friend who has leased it. The lease term is over and Ally Bank told us what to do so that I can own the vehicle. I sent the Bank Checks to Ally Bank exactly the way they instructed. It 's been a month and Ally Bank will NOT release the title to me even though they CASHED the Bank Checks two days after they received it, on XXXX XXXX, 2015. When you call the XXXX number, they transfer you to " customer service '' and the call actually gets transferred to some XXXX company, totally unrelated to Ally Bank! I really need some help to get the title to this vehicle as they CASHED the Bank Checks and are now avoiding my calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: CrossCountry Mortgage LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I have PMI on my property. I have a loan on my home of under XXXX and an appraised value of the property between the ranges of XXXX to XXXX. The LTV of the property is roughly 70 %. Per the Homeowners Protection Act, I should be able to remove PMI from my property at this current rate. 

I applied for removal of PMI on XX/XX/XXXX. I followed up on XX/XX/XXXX and was told that the PMI can not be removed from the property since it is based upon the initial principal amount and not the equity in the property. This is in direct conflict of what the Homeowners Protection Act sates. Private mortgage insurance must be automatically terminated for homeowners who accumulate the required amount of equity in their home. 

I have attached the initial assessed value of the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX debt of {$580.00} is not mine the name is XXXX XXXX i do not know who this person is. Please remove this debt on my credit report also i am divorced from my husband XXXX XXXX in XXXX 2015 and he has the XXXX XXXX XXXX. I have removed my name from XXXX please remove my name on this debt. XXXX has the car.

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 2021-06-22
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo refuses to acknowledge receipt of a fax requesting documentation that they were not an investor in a mortgage they service ( # XXXX XXXX. This fax was sent on XX/XX/2021 at approximately XXXX GMT. I have digital receipt documenting the transmission of this message. 
Furthermore, they have refused to respond to a recently sent fax requesting record of telephonic communications pursuant to my mortgage XXXX # XXXX ) sent on XX/XX/2021 at approximately XXXX GMT. 

Both messages include multiple methods of contact, none of which Wells Fargo has deigned to utilize. 

As they are pursuant to a loan modification process that has caused me to file numerous complaints, and has been met with numerous stalling procedures and false information generated from Wells Fargo, I can only assume that this is an attempt to Foreclose on my mortgage.

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 2016-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This company has no XXXX in the state of XXXX and has no right to report on my credit report.. I called the Texas Department XXXX XXXX and regulations and they further verified that In Texas this company has no XXXX bond to collect in the state of 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 2021-06-22
Company: EQUIFAX, INC.
State: AL
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:
I order my consumer report and I notice that my rights were violated under the FCRA Section 602 and 604. 

I am the consumer and I have the right to privacy and no one should furnish any accounts on my consumer report without permission or written instructions by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: ALLY FINANCIAL INC.
State: NC
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 showing closed when still open have attempted to resolve but Continues to harm ability to seek financing with other companies

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 2021-06-22
Company: DISCOVER BANK
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:
This account dont belong to me Please remove this account of all 3 credit report agencies, look here the accounts to delete 1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23
Company: Retention Consulting Services Inc.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
On XX/XX/XXXX a woman by the name of XXXX ( mumbling last name ) Said she received some documents. She needed my signature and was going to send the documents certified mail. She said I need to be home between XXXX and XXXX to sign for said documents certified mail. If I have any questions or need to reschedule to call them. at XXXX with my claim number. I called back and spoke to a man by the name of XXXX I asked him what the name of his company, he said they are a legal claims office and they handle claims. I asked if he was an attorney? he said no but he could get one if I would give him my social security number.I hung up.I called back the next day and I asked the name of the company I was told it was Regency Capital. I dont know who these people are

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Duvera Billing Services, LLC
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Went to pay loan in full ( {$1500.00} ) within 90 days of no interest terms. Duvera financial revoked all terms of contract, applied back interest to date loan was originally issued because I was now calling 4 days past first payment date.Said I now owed Duvera $ XXXX+ to Resolve loan. Refuse to help me resolve loan that day and still till now until I pay their demands. Now they say I owe them {$2400.00} for a loan that is only 5 months old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-09
Company: JPMORGAN CHASE & CO.
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I do n't understand why banks are allowed to charge such high ATM fees, and do it on both sides. I am paying up to XXXX dollars on a transaction. This is unregulated robbery and you need to put a stop to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2016 I went to the Chase bank located at XXXX XXXX XXXX to make a withdrawal for {$3000.00}. While I was in line for a teller, a bank representative suggested I use one of the new ATM machines they had recently installed since they had higher withdrawal limits that the usual ATMS and it would be quicker than waiting for a teller. 

I went to the ATM and selected my withdrawal amount ( {$3000.00} ). My account was debited for {$3000.00} but the ATM only provided {$1600.00}. A banker from the branch named XXXX XXXX tried to help on the spot. While I was still at the branch he submitted an inquiry for the pending {$1400.00} and once he got off the phone, promised me that the money would be returned to my account early the next day. He suggested I make the withdrawal again since it would be replaced swiftly anyways but I did n't want to risk another {$1400.00} to the bank. 

Two weeks later on XXXX XXXX, I still had n't received the funds and my emails to XXXX were not answered. When I called the customer claims department they told me the inquiry had been closed without explanation. I opened another claim and received a letter on XXXX XXXX, 2016 saying that claim had been declined because it had been filed incorrectly. I opened another claim and received a letter on XXXX XXXX saying claim had been declined because they did n't find issues with the ATM. It has now been 2 months since J.P. Morgan 's ATM took {$1400.00} of my money and 3 different attempts at getting it resolved. 

This new branch ATM is faulty, took my money and Chase has not returned money. Chase claims department has performed a sub-standard job by making me file the same claim multiple times. Chase claims department should consider statements from their own branch banker- XXXX XXXX as evidence of what happened. I have exhausted all options to get this resolved within the bank so hope that you can help me get Chase return the {$1400.00} they have taken from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was a victim of identity theft. This account is not mine nor it was authorized by me. I don't know who did this to me. 
I'm trying to get control of my credit so please investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a withdrawal for {$400.00} using my Chase Bank ATM debit card on XXXX XXXX at a local ATM machine and only received {$160.00}. I filed a complaint with Chase Bank on the very same day and was told I would recieve a temporary credit within 12 hours. Twelve hours passed and I received no credit so I call back and was told to wait until the end of that business day or in the morning. I waited as was instructed and was still never given my credit. I was then told to wait 48 hours and still never received my credit. Afterwards I called and was told there was an error concerning my temporary credit and that 's why it 's taking so long and I would have to wait another 48 hours. It 's been 2 weeks now and I 've still yet to relieve my {$240.00} credit. To make matters worse my account is now $ XXXX due to overdraft fees because of this. I barely make above minimum wage and I have XXXX XXXX XXXX XXXX. To hold my bank account hostage like this especially during the holidays is atrocious. My direct deposit is supposed to hit in 2 days and I 'm going to be $ XXXX. I have a child to support and I need every penny I 've rightfully earned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I believe that recent changes to the Capital One website are designed to confuse consumers so as cause payment issues thereby resulting in the collection of late fees. With having both a Mastercard & Visa card through XXXX, and with them now having acquired my Walmart card, I have three accounts on the opening screen to differentiate between. XXXX has eliminated information that could help differentiate ... card number has been reduced to just the last four numbers, MC & Visa logo/info has been removed, and while each account 's payment due date was formerly indicated, that info has also been removed. I attempted to make a payment on the XXXX for XXXX of the accounts where the payment wasn't due until the XXXX. During that process, I got confused as to if I had made the payment to the correct account, cancelled, and attempted a resubmit. I received an email today that the payment didn't go through correctly. I called Capital One but they were unwilling to adjust the payment even though they could see it, or remove a late fee. 
I work hard to make my payments on time, and am 110 % certain that there would be no issue except for their meant-to-deceive website. I can only imagine the trouble they are causing their card holders, especially the elderly and others who get easily confused.

Company response to consumer: Closed with monetary relief