BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I paid {$330.00} to XXXX XXXX on XX/XX/20. I was unable to go on the trip due to COVID-19. I tried contacting XXXX but they never responded. I filed a credit card dispute with Citi and lost. I believe I should have gotten my money back. I did not travel and never used this rental 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 2018-06-04
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was contacted on XX/XX/XXXX by XXXX XXXX XXXX stating that I did not make my XX/XX/XXXXpayment. I verified with my bank that my payment ( submitted through my bill pay ) was sent to XXXX and the check was cashed. XXXX shows record of a payment of XXXX on XX/XX/XXXX. This is the amount I sent. But XXXX says this was a warranty payment and was applied only to my principal, not to my monthly payment. In Later conversations, XXXX accused me of missing a payment inXX/XX/XXXX, then went back to stating my payment was misapplied. After 2 weeks and several phone calls I submitted a bank statement to them showing that the {$350.00} was drafted from my account. Collections continues to harass me almost daily. Now I have not made my XX/XX/XXXX payment yet because I cant trust that they will properly apply my payment and I have received no reassurance from XXXX that they will resolve my issue. I have told them I am withholding my XX/XX/XXXX payment until this issue is resolved. I fear that this will affect my credit. I have asked on multiple occasions to speak to a supervisor only to have the call dropped or get no additional assistance. They have a policy that customer service cant speak with people if their account is past due but how am I supposed to resolve this if I cant speak to them? I have doesnt countless hours now trying to resolve and issue I had no hand in creating. All I did was make my payment on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-18
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I took out a student loan through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in  the summer of XX/XX/XXXXto attend XXXX University. My mother, father, and grandmother are co-signers. At this time I was led to believe that HESAA was a federal loantheir literature said that they were federal and there are photos of Governor XXXX XXXX and the New Jersey state seal on their website. I took out another loan, again with my mother, father, and grandmother as co-signers, through HESAA in XX/XX/XXXXto attend graduate school at XXXX University, again believing that it was a federal loan. I began to make payments on the loans in the fall of XX/XX/XXXX, after I discontinued my graduate education. At this time, I realized that they were not federal at all, given that there were no options for income-based repayment. Ever since, I 've been dealing with their exorbitantly high repayment options and inhumane methods of communication ( constant phone harassment and very rude customer service reps ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: SC
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  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my 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 explanation
Consumer complaint received 2021-06-10
Company: GOLDMAN SACHS BANK USA
State: CA
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:
Apple Card was used and made payments on that were reversed after my phone was stolen in XXXX XXXX in XXXX. My balance is XXXX $ and I never once used the card or made payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On Saturday XX/XX/2022, I received notification from XXXX XXXX that my IKEA credit card was closed. I called into IKEA customer service and spoke with three representatives. The first representative I spoke to I had to get an analysis on the line and speak with them to find the reason behind my card being closed. The reason she said my card was closed was due to inactivity. She said that on the bank side that my card was scheduled to be closed on XX/XX/XXXX of 2022 if a purchase was not made. 

I told the representative that I just made a purchase on my IKEA card on XX/XX/XXXX of 2022 so how can my card be closed due to inactivity. I also informed the representative that I did not receive any notification at all not via email not via regular mail not via phone call or text message that my account was up for closure due to inactivity. 

She was unable to give me an answer and told me to reapply for a card. I told her I did not wish to reapply because 1. The company closing my card has already negatively impacted my credit report and 2. If I reapply it will be a hard inquiry into my credit report and that will also drop my score. 

She told me that there was nothing that she was able to do but she can escalate the situation to her supervisor. 

So I spoke with her supervisor who agree with me that no notification was sent to me at all from the bank and that my account should not have been closed because I made that purchase in XXXX of 2022. She's unsure of why my account was closed and told me that the only thing she can do is escalate the situation further. 

So I spoke with XXXX XXXX XXXXXXXX who told me that the only thing I'm able to do is to write into the bank explaining the situation and see what happens from there. 

I believe is extremely unfair that my account was closed. It has negatively affected my credit score and there was no reason for the account closure. I did not receive any notification that the account was going to be closed due to an activity but regardless of that fact I did make a purchase and XX/XX/2022 which should have offset the account closure of XX/XX/2022. I will be writing a letter into the company but I feel the need to make this complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Account ending in XXXX I have a bank of America reward credit card for many years. I receive {$30.00} every quarter for making more than the minimum payment every month. Every month my payment is paid through auto pay. In the 1st quarter of this year, I changed my bank account for auto pay, but due to Bank websites problem that change didnt occur and my payment was not deducted and I did not receive the quarterly reward of {$30.00}. The bank is refusing to give the {$30.00}. It is not my fault that the change of bank account did not go through. Ive contacted the bank several times but theyre refusing to help. Please help

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 2022-06-11
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have a checking account with TD Bank. At some time prior to XX/XX/2022, someone attempted to open another checking account and a savings account under my name with TD. I received a letter in the mail saying " thank you for opening a new checking account. ) When I logged into my account online, I noticed that in addition to my existing account, that the two additional accounts appeared. 

I contacted TD. They connected me to their fraud department, who indicated that someone had stolen my identity. They directed me to contact a credit bureau as well as the FTC to report stolen identity. TD has since removed the two fraudulent accounts from their web portal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22
Company: Associated Credit Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX and XX/XX/XXXX I have a XXXX XXXX XXXX, within the last 2 years I had a XXXX XXXX, XXXX XXXX in XXXX XXXX  and a total of over 6 hospital stays due to this condition. 
I was in the hospital on XX/XX/XXXX and my brother notified them when they called that I was in the hospital for a XXXX XXXX. They continued to call my cell phone over 8 more times on XX/XX/XXXX knowing I was in the hospital. 
On XX/XX/XXXX my brother answered my iphone and told them again I was in the hospital and they continueed to call me knowing that I was in the hospital for a XXXX XXXX They are also charging me more than what is owed. 
In previous communications I made a payment arrangement with their employee XXXX XXXX in believe that is his name and they tried to charge my checking account on an earlier date then XXXX agreed to. I then made another payment arrangement with them via XXXX and again they tried to charge my checking account prior to the agrred upon date. XXXX or XXXX XXXX a supervisor was extremely rude and said their was no such payment arrangement on file.Asked him to check with XXXX and he becaming insulting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I closed my account XXXX {$2000.00} paid balance in full {$430.00} Was never late! for 4 years .Not only did they add a dollar after closure in the month of XXXX on a closed account they are reporting me 60 days overdue with {$100.00} in oustanding fee balance

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 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 Bankruptcy Account # XXXX, Bankruptcy 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 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/XXXX, XXXX XXXX XXXX  opened an account on my credit report of {$250.00} for XXXX XXXX XXXX XXXX XXXX. All invoices are paid with XXXX XXXX XXXX XXXX and I have not rented a vehicle from them after XX/XX/XXXX. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX 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 an 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 2022-06-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
In XX/XX/XXXX I noticed a Balance Transfer on HSBC Credit card that I had not authorized. The Balance Transfer was {$5000.00} plus a fee of {$200.00} to XXXX XXXX XXXX in XXXX. Since XX/XX/XXXX I have contacted or attempted contact with HSBC multiple times per month. I have explained to them the Balance Transfer is a Fraudulent transaction. I did not authorize it. I did not notice the transaction initially because I was making monthly payments and paid off the original amount. 

I not only contacted HSBC, I have also contact the XXXX in XXXX XXXX, New York. The XXXX is keeping the complaint open even though they have contacted HSBC and were unable to resolve the issue. 

XXXX, XXXX, and XX/XX/XXXX, I have tried to contact HSBC via telephone and email. My telephone calls are automated answered, once the calls are transferred, my calls are consistently disconnected. Attempting contact online is no better. I enter my Credit Card number and am immediately kicked off the website. 

XX/XX/XXXX I did receive an email from HSBC XXXX. This was after they had been contacted by XXXX. The email stated " I appreciate your patience while I continue to investigate your concern. I'm sorry that this has taken longer than expected and am working to resolve this matter as soon as possible. '' Signed XXXX XXXX, Manager Customer Relations. 

There has been no additional contact due to telephone calls and online attempts being disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Liberty Holdings, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Suddenly today I received 5 phone calls in a row from XXXX a guy claiming to be XXXX XXXX says I have a case that is filed in the XXXX courts and to call XXXX I have no outstanding debts, we looked online and found the XXXX number listed a fake solicitation of debts-scammers! when I called the XXXX, they identify themself only as XXXX XXXX XXXX, a collection agency. Complete fakery! they kept calling and wouldn't give any information and threatened to call my employer, ridiculous!

Company response to consumer: Untimely response
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX XXXX # XXXX, and XXXX XXXX  XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Sec 602A states that I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Experian Information Solutions Inc.
State: SC
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 following dispute was completed on XX/XX/2019 by experian for the following account XXXX XXXX Account # XXXX ... Experian deleted this account and added another account with showing : XXXX/ XXXX XXXX with the same account information as the account deleted. I have no knowledge of this account belonging to me.

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 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am hear to notify the CFPB that several violations of the law towards me as a consumer has been done. I personally reached out to XXXX, Transunion, XXXX, and related companies XXXX XXXX XXXX XXXX to attempt to resolve the issues. Not only have they ignored my correspondences they have also hung up on my when I called to resolve the issue. There are accounts paid off in perfect payment standing and payment history showing late payments. There is a account XXXX XXXX XXXX XXXX XXXX XXXX that is showing associated to me or my persons that is not mine and I do not take responsibility for it. I dug deep to find basis of these errors and find that per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer it is required I give written signed consent to even allow them to show anything on my credit file. They do not have such consent and they doing whatever they want at this point.

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 2017-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
On XXXX XXXX 2017 I called regarding the annual fee that I WAS NEVER R TOLD ABOUT when I called the company to get a credit card for the first time. The representative approved me over the phone but he never said anything about an annual fee ... Fie the past couple of years I have called and have explained the situation and the representative had been able to waive the annual fee Tonight XXXX XXXX employee number XXXXRefused to waive the annual fee that I was never informed I had to pay when I was offered the card over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
They give me. Whats time when applying fir the card first they said they need my identity license and social they put it on holf they said I qualify fir the card but wont send me anytning its so annoying and frustrating how they are

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 2018-11-14
Company: Comerica
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2018 my XXXX  XXXX Debit Card was compromised at a hotel in XXXX XXXX Nevada. My Social Security XXXX check is deposited into this account around the XXXX of every month. In XXXX of 2018 the amount of {$1000.00} was stolen out of my account. XXXX XXXX   did not offer to help me in any way and treated me very poorly. I was stranded in XXXX with no money no car and no place to stay. they would not accept my calls or would hang up on me. They would not give me any details about my account, have been extremely rude and have not offered to return any of the money while I dispute the {$1000.00} stolen money from my account. It has now been 2 weeks and I to not know anything and have not recovered any of my money. I have read hundreds of consumer affairs complaints where many people are currently going through the same thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-28
Company: Bread Financial 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:
Every time I apply for something I get turned down credit ok to much false stuff on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I first disputed 2 XXXX XXXX XXXX   items that was not suppose to be on my report on XX/XX/2019. One was removed but one was still there. I call Transunion as to why it was still there and they replied that they had nothing showing that it was disputed. So they made another dispute on XX/XX/XXXX. On XX/XX/XXXX I called to find out why it was still there. They claimed that it was correct. Now they are saying another dispute was created on XX/XX/XXXX. 
Something is wrong with there reporting.

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 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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