BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-18
Company: Santander Consumer USA Holdings Inc.
State: OH
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:
SECOND TIME DISPUTING FRADULENT ACCOUNTS THAT ARE APPEARING ON MY CREDIT REPORT. Once again I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: PNC Bank N.A.
State: OH
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:
SECOND TIME DISPUTING FRADULENT ACCOUNTS THAT ARE APPEARING ON MY CREDIT REPORT. Once again I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute the following account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I was charged late fees on more than one occasion and no one seems to want to remove this issue in a timely manner. 
About 2 billing cycles ago, I went into the walmart store to make a {$25.00} payment on my walmart credit card. I did n't have the actual statement with me but since my previous minimum amount due was {$25.00} that is what I paid. The next month I realized that my payment was actually {$4.00} shy and I was charged a {$35.00} late fee!!!!!! I immediately contacted customer service to complain and was told that the late fee would be removed. That said, I made my normal payment on the due date and was charged ANOTHER late fee. Today, on XX/XX/XXXX after noticing that nothing has been corrected and that late payments are still being applied to this account, i paid {$35.00} as everything else is late fees that are continuously being applied to my account all over a payment that was MISTAKENLY {$4.00} shy. I had also requested months ago that my payments be due on the XXXX of each month, I believe that request only lasted for one month and now the payments are due on or about XXXX/XXXX of each month which is not what i requested at all. Lastly I want to make sure they WM is NOT reporting that I have been paying my account late to the credit agencies because that is not the case!! I would have loved to get this issue resolved via customer service but no one over there has been of any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XX/XX/2016 I pulled a copy of my credit report. I sent a certified letter on XX/XX/2016 to Capital One Bank USA XXXX XXXX XXXX XXXX , XXXX, VA XXXX, which was listed on my credit report requesting validation of this account, made pursuant to the Fair Debt Practices Act FDCPA & 807 ( 15 USC 1962e ). I requested that if they can not validate the debt, that the entry be deleted from all credit reporting agencies. Validation on this account was not sent to me. On XX/XX/2016 i again sent a certified letter to Capital One informing them they had not provided me with a copy of any viable evidence bearing my signature and that they had also violated federal law by not replying to my request that was sent on XX/XX/2016. Capital One did not respond with viable evidence after the second letter either. Capital One did not furnish the credit bureau 's with the required disclosure within the period required by law. Federal law requires them to place a " notice of dispute '' on my account within 30 days of my my original disputed letter which was sent on XX/XX/2016 and the second letter on XX/XX/2016. Capital One violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. Capital One has continued to ignore my requests for validation on this account and furthermore broken federal law by not placing the notice of dispute onto my credit reports within the time required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Approx a year ago I had several accounts opened ( or attempts ) using my identity. More fraudulent transactions committed with stolen identity. All four accounts were signaled as fraudulent by the credit organizations and no accounts were successfully opened. 

Customer service at XXXX XXXX  indicated they have some identifying information on whoever attempted to open accounts that could be very useful to law enforcement. Would/could not provide more details to me. 

The four accounts are listed here : Three accounts ( two checking one CC ) applied for online through XXXX XXXX onXX/XX/XXXX 2021 One credit card applied for online through XXXXXXXX XXXX  on XX/XX/2021 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 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a copy of my credit report and found the following item ( s ) to be errors.

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 2016-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2016, I contacted a company by the name of XXXX on XXXX. This was an emergency clean up, for a couple who 's elderly parent was coming from XXXX. This was a Thursday, and I needed the service for the next day, Friday, XXXX XXXX, 2016 by XXXX. There was only a booking page and I booked the service. When I received the confirmation, it was scheduled for the next Friday, XXXX XXXX, 2016. I immediately emailed the company and told them this needed to be cancelled because I needed the service the next day. I have all of the emails. When they finally contacted me, the Customer Support, via email, said they would contact the XXXX company to try to accomodate the request. After going back and forth, they could not clean the home on the day needed. Not at one time during the emails with customer support did they tell me, in any way, that I could not get a refund. While waiting, I decided to chat with their on-line chat specialist. She is the one that said I could not get a refund, just a credit. At this time, I contacted my credit card company, Capital One ( XXXX ) .They issued the {$90.00} credit to my account while they contacted the merchant. A few weeks later, the merchant sent them some information, and they re-charged my account the {$90.00}. I was then told to send them all the info. I had ( which were emails ), there was never a receipt or terms and conditions, just an email confirmation. I sent these items on XXXX XXXX, 2016. The next day, the Capital One representatives told me that the merchant sent them terms and conditions and that the charge is non-refundable. This is not right. They never provided me with these terms and conditions and I have never used their service and definitely, I will never use their service. They are forcing me to pay for a service I never used and do n't want with vague, policies that they do not disclose upfront. Obviously, Capital One can not handle the situation. However, this XXXX company has n't provided any service and I am not paying for a service. I have paid all of my capital one balance except {$90.00} so that when this is resolved I can close this card. Customers should not be treated this way with a company trying to force someone to use their service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have really struggled during covid I have made my payment noted some were not over 30 Days late but XXXX XXXX XXXX XXXX has put every kind of negative remark they could to diminish my credit Ive payed and as of XXXX my accoubt was changed to good standing I payed two payments in XXXX and two in XXXX which I have supporting documents on XX/XX/XXXX I have a delinquent status again but I bought a new car on the XXXX and traded that one in Ive sent all the in formation to both creditor and TransUnion no one is replying to my emails they hang up the phone on me please do not let this company continue to behave this way. I didnt need a new car but they have been such a headache I wanted to get out from Under that loan so I had no dealings with them they do not care about the customer harass you daily during covid manager says they stop doing latte fees during covid but yet they still are taking them out

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 2015-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was sent to collections by XXXX XXXX XXXX. I paid in full to XXXX XXXX XXXX and have copies of my bank statements with all the electronic pmts. This is being reported as open by Transunion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX does not know XXXX. 
This is fraudlent account. My documents were stolen in 2009. 
This dates back to when my documents were stolen.

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 2021-12-18
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX i had a major XXXX accident where i had to be taken to the XXXX, before that, in the accident site someone stole a few of my belongings from the vehicle, including my wallet, the thief used my debit card from Citibank, fraudulently, i have already contacted police and an arrest will be made in connection with this unauthorized use of my card. 

I have also contacted my bank, and they have done a horrible job, the case was denied and closed within XXXX hours after being opened, they didnt even review the case or even paid attention. 

I have been trying relentlessly to recover my hard earned money, i have sent citibank numerous pieces of evidence to show them i was a victim, they are not doing the proper research and i am already hiring a XXXX 

Please help by creating a case as i will need this for XXXX XXXX, per their request.

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 2015-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Issue: Credit determination

Complaint:
I applied for a capital one journey credit card online on XXXX XXXX 2015 and was immediately denied for approval. I reached out to Capital One to inquire the decision and was informed I could not speak with lending agent. I asked manager onsite with Capital One and asked why was I denied because letter that was emailed stated credit report invalid and missings information? The manager said they was unable to pull a copy of my credit report from XXXX XXXX. I informed manager I called XXXX XXXX and they show not only the inquiry on my report but they sent me the report they pulled and saw. I asked the Manager to please uphold fair lending laws. I also informed them I work for XXXX and I am aware of the law and I would file complaint because I was violated. Please investigate this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received mail from Resugent Capital Services dated XX/XX/XXXX on debt for XXXX XXXX XXXX. Ref # XXXX. The original debt is from XXXX. Due to the amount of time, this needs to be deleted and off all credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: CITIBANK, N.A.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2020 I had a larger deposit in which was for my back XXXX, I was made aware via email by workforce XXXX I had then gone over to my Citibank app to enter my acct to situate the money to a couple other accounts to pay on bills and whatnot since my woman owned small business took a huge hit from the pandemic, and had no income, and when I do finally get my XXXX, its basically to no avail! But, back to after entering the app, I could not gain access to my funds, I msg from the app to Citibank via the app messenger, but theyre stating theres no block on it, but yes there was, and yes, THERE STILL, I again, try just yesterday, THEYRE still staying my acct is active, to call in, even after I signed a form yesterday, every time, like as a year ago, all seem to going fine, till I get put on hold for them to access my acct, theyll then return very different acting n say, theres no problem, but call in to the said department.. XXXX  was contacted immediately of the occurrence, Im not clear what happened there, nothing that helped me.. I have all correspondences, emails from them since ... and also, the probably 30-40 CALLS Id made prior, just endless transfers to representatives that are barely able to even be understood, but all to have said the same, not a problem, some say yes, was a block they put, but its been lifted.. I just want into my acct n get my money they stole! Please help me... thanks and god bless. XXXX XXXX XXXX XXXX **** will gather up all documents pertaining to, included the screenshots of the msgs yesterday.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 monetary relief
Consumer complaint received 2016-01-14
Company: Paypal Holdings, Inc
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I recently switched 100 % of my payment transactions to paypal. On XXXX XXXX my account was limited. They asked me to verify information and I did and the limitation was then limited. On XXXX XXXX another limitation was added again asking me to confirm my information, I did and again the limitation was lifted. On XXXX XXXX once again my account was limited asking me to verify additional information which I did and the lifted the limitation and then added a rolling reserve to my account. I was told that it would have a 18 % rolling reserve added to each transaction for 60 days but would have a max. The max withheld amount was never provided. It is now at in excess over {$12000.00} withheld of my funds. I have sent emails, made numerous phone calls and one person sends me to the next and I am not getting any answers other than being shuffled around. I did reecive a personal email from a paypal represinative that I spoke to for a lengthy time stating he spoke to someone and they denied to release the funds. I find the amount of money they are holding to be more than excessive and abusive. The release schedule has not worked by providing me with any information, I can not speak to anyone that can help with the extreme and urgent matter. Furthermore the money in which they are holding over {$12000.00} currently is not back by the FDIC. I want the funds released. They have no rights to my funds or to hold them and not so much as be able to respond to me or provide me with accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been working with Green Tree financial since XXXX. I have applied XXXX times for the HAMP program. They repeatedly loose my paperwork and refuse to give me any information. Basicly they make it impossible for you to take advantage of the HAMP program. They told me if I made XXXX more payments to my mortgage I would qualify for the HAMP program. I made the payments and then the denied me the loan modification. I have been working with XXXX XXXX bu they have not been able to help me. They send some other loan modification paperwork which would stretch my mortgage from 15 years to 40. I really need help before I lose my house. Also, they have harassed me repeatedly by phone even through my bankruptcy. Thanks for your time. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Financial Business and Consumer Solutions.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i received a letter from a debt collection company ( FBCS, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX ) claiming i owe {$5600.00} from an unpaid XXXX XXXX XXXX The bank who filed the claim is XXXX XXXX XXXX XXXX and the original creditor is XXXX XXXX. I called FBCS and they confirmed my social security number, name and address are correct ; however the email address on file was not. FBCS XXXX  said the account was related to charges from 2017. I have never opened a XXXX XXXX XXXX so I know this is not my debt. I asked them to please report the account as fraud. The FBCS XXXXXXXX told me she would be mail me a form to complete and mail back to them. I thought I would file an official complain with your office. Please let me know what else I need to do to protect my credit card from this fraudelent debt. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The Post Office returned my mortgage payment with a certified letter, stating on the envelope returned to sender, no mail receptacle, unable to forward. I called Select Portfolio Servicing, as soon as I received the returned certified letter, but the office was closed. I waited until Monday, next business day ( XX/XX/2017 ), and I made the payment by phone. I 'm checking today XX/XX/2017, and the payment had not been submitted to the bank. As far as I 'm concerned they are trying to defraud me. I 'm never late with the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Received response from Equifax stating they needed more identity. How pitiful are they or is it they are off shore and can not comprehend? This issue has been going on for years and they and you have the complaints. The complaint has hot that has ALL of my information as does every one of the hundreds of complaints they and you have received in the past. As you know you have not for years fixed the SOCIAL SECURITY ERROR in your software... how strange..yes right.. yet you don't do much of anything. The game evidently no intended fix just delay and blame. See error CFPB ( XXXX  ) The following form fields are incomplete or have errors : Social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: GMA Investments, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am receiving calls from " Summit Receivables ''. Their phone number is XXXX. I do n't answer these calls because I believe them to be fraudulent. A woman leaves a message on my voicemail stating that I spoke with someone in a different department and left a negative impression, so things do n't look good for me. She also says she does n't have much time to resolve my debt issue and that she 'd appreciate a prompt call back. She says this is an attempt to collect a debt. 
I have n't spoken to anyone at Summit Receivables. I do n't have any outstanding debts. I have a good credit rating and I check my credit report with a service every three months. I hope something can be done about this terrible company!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed