BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-15
Company: Recovery Solutions Group, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received three calls from Recovery Solutions Group that XXXX complaints had been filed against me and i had pending charges and because they could not reach me by phone, they would be actively pursuing me at my place of employment or residence and when I was located I would be forfeiting my rights. In one message, it was stated that I needed to contact the issuing agents legal department to rectify the matter and I had been officially notified. All three messages were from different telephone numbers but had the same case number. Family members such as my mother and XXXX year old grandmother have received these messages stating that legal action was going to be taken against me if they did not give my contact information. One person actually told my mom that it would be wise of her if she told me to call them back. These people are not only threatening me, but family members. My sister received a call from someone telling her that I had put her down as a reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Delinquent account

Complaint:
Several months ago, I proactively contacted Citibank because I thought I 'd be unable to make my monthly payment due to unforseen medical bills. When I talked to a Citibank customer service representative to make payment arrangements, he told me that one of the " perks '' of my Citi " Simplicity '' card was that I was allowed to entirely skip a payment without any penalty whatsoever. He advised me that I should thus pay my medical expenses, and NOT pay Citibank that month. I asked if this would be reported to the credit bureaus, and I was assured again that that was allowable as a Simplicity cardholder unless several months would pass without payment. 

I know that Citi definitely has written and possibly even recorded accounts of this conversation that took place around XX/XX/XXXX or XX/XX/2015. Obviously, I was given wrong advice and was turned in to the credit bureaus. The payment WAS missed, this is NOT under dispute. The reason the payment was missed was because I was told to do this by one of Citibank 's representatives, and I relied on his advice. 

The fact of the matter is the rep should have stated that, should I miss a payment, I would not be charged a late fee. This is NOT the message that was conveyed -- he advised me to NOT PAY for that month, to actually skip a payment -- and that there would be no ramifications due to the benefits of the Simplicity card. 

My FICO score plummeted from about XXXX+ to XXXX, and even though I recently paid citibank {$20000.00} ( XXXX XXXX ) dollars, it remains low. This is the only payment I 'd ever missed with ANY account in my entire credit history, and it 's only there because I relied on and followed the advice of Citibank 's representative. Other Citi reps have apologized, and supervisors have even given me credit on the card for the trouble this has caused with the promise that this will be removed -- but it has not. They 've now seem to lost track of what has happened, and are only looking at the fact that a payment was missed, not why. I 'm appalled that it seemed impossible to get them to look into this, so I 'm hoping you can make them see what has transpired. I feel this is Citibank 's fault, not mine, and my credit score and history should be mended.

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2020-08-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am showing 5 late payments for XXXX XXXX, I have asked for detailed report from XXXX XXXX  twice. I receive nothing it has been over 30 days that I ask for detailed information about these late payments. I was never late on my XXXX payments 5 late payments severely ruin my credit and it is extremely frustrating to get no response and when I do get a response XXXX gets nothing resolved. This is hurting my credit drastically. I ask for your help in this investigation and please help me to get these late payments deleted as they have been falsely reported

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 2017-03-20
Company: AMERICAN HONDA FINANCE CORP
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My Honda was reposed for the 2nd time. The first time I was behind 2 payments. The second time I was behind 1 month. I was always calling and informed them that I would catch the loan up when I received my taxes. The took the car the day I would be 2 months behind and I received my taxes and they would n't alow me to pay it up. I lost my car and now my credit with be damaged. I don ' ; t think it was fair they just took the car. I lost my job so I was struggling but I was paying them and I was only a month behind. I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: AES/PHEAA
State: MD
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:
Fed Loan Servicing Account # XXXX Friday, XX/XX/2020 They sent a bad credit report after I had spoken to them and told them that I couldn't make any payments until I get my job back ( I was XXXX XXXX   due to the Covid 19 Pandemic ). 
There shouldn't be any bad credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: U.S. BANCORP
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:
Multiple federally protected consumer rights are being violated. Please see attached documents

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 2016-06-04
Company: JH Portfolio Debt Equities, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
While checking my credit report I discovered a collection account from an unknown collector. I have received no phone call from this agency nor any written communication regarding this debt. This company is reporting a debt to the major credit bureaus and thay have not contacted me nor have I been given the right to dispute this unknown debt.

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 2016-12-02
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am refinancing my mortgage and the current servicer ( Citi Mortgage ) is charging me {$75.00} for the payoff statement. I think this is wrong and above the limit allowed. Can you please look into this malpractice? 
Thanks

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 2015-12-15
Company: CITIBANK, N.A.
State: NE
Product: Credit card
Issue: Billing disputes

Complaint:
I had a XXXX dollar bill on credit. I thought I paid it off and received a {$35.00} service charge. I paid the service charge but evidently it was a late payment so I was assessed another service charge. I thought I had the bill paid off. As of today I paid the {$110.00} dollars of service charges and late fees on my original {$2.00}. I tried to work with Home Depot Credit Services but they would not negotiate the fees. I canceled the card and have decided to never use Home Depot again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-11
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I filed a complaint ( # XXXX ) with the CFPB on XXXX/XXXX/16 regarding Citibank not depositing XXXX XXXX XXXX miles into my account for a promotion I had met the terms of. They responded on XXXX/XXXX/16 and said I would receive the miles within 60 days. Those 60 days have now passed and I have still not received the miles.

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 2015-03-22
Company: Genesis Lending
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I attended XXXX XXXX XXXX, XXXX. I completed the work however due to lack of help from teachers I do not feel like I have enough knowledge to use my degree for a better job. Of the jobs that I have found, I am not considered due to the fact the XXXX XXXX has a bad reputation and my degree is basically worthless. As far the lending services which was Genesis Lending Services, they made me pay while attending school. The private loan was not needed for me to attend school, as i found out later that the school had taken out more in federal loans than what was needed. The private loan company also knew that the school was doing this and went along beside them. This loan was not needed and I feel that I should not have to pay them anymore and should receive my money back. Seeing as I have 36,000 + in federal for a two year degree because of the school already. Since, all of this has become knowledge I have contacted Genesis Lending Services and they will not give me any information that I will be forgiven or the option to stop paying. Now, I only had XXXX forbearance left that I still have to pay {$60.00} for 6 months and then {$120.00} and then {$210.00} which is getting rough considering I still do not have a job in the XXXX and still working as a XXXX making small money.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: EdFinancial Services
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have requested to have payments above my required payment to be applied to principle and have been told that it ca n't be done. I have requested on more than XXXX occasion going back at least 12 months. This is from ED Financials statement : the Extra Payments. Paying off your student loans sooner is easy at Edfinancial.com. When you pay more than the minimum amount due, you can direct the extra amount to specific loan groups. You may also request one-time or recurring special payment instructions via phone, email, or mail ( including your account number ) using our correspondence address : XXXX XXXX XXXX, XXXX, TN XXXX. If you plan to pursue XXXX, visit XXXX for more information regarding prepayments and how they are counted as qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have a XXXX and XXXX mortgage with Citi Bank. Citi did modify my XXXX mortgage but the department that handles the XXXX has been asking for the same document over and over again since XX/XX/XXXX 
I do and have sent what is required but they say the do n't understand how to read it. Once they received all of the appropriate paperwork I have received a paper stating that all papers were collected and application was compete and I would know decision by XX/XX/XXXX or XX/XX/XXXX, than that date passed, than XXXX for XX/XX/XXXX that passed, than XX/XX/XXXX and that passed. Here is XX/XX/XXXX and they still do n't have a decision yet. During this time I received a letter stating I had a new specialist assigned. Who is never available during regular business hours. I receive calls from Citi at night while I am working and have discussed this with my specialist that I work nights. If I am able to answer they hand up. I am again getting to the point where all my paperwork will be outdated so I will have to go through the whole process again from the beginning for the 3rd time. 
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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FCRA violations : addresses not mine XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Single family XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type Post office box XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX family XXXX XXXX  XXXX XXXX, TX XXXX FCRA violations : addresses not mine XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Post office box XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX, TX XXXX FCRA violations : not my names XXXX A XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance XXXX Status Paid, Closed. 

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Collection accoun

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
On my credit report appears a lot of hard inquiry that is not mine

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 2016-12-14
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am concerned about the collection attempts of an alleged owing balance. Over the last few months I have received numerous calls from XXXX XXXX about an owing balance on an account that I 'm not familiar with. As I do with all unfamiliar collection attempts, I asked her to send me the information so I can review and verify. On more than XXXX call, I provided her my employment address as follows ; XXXX XXXX XXXX XXXX XXXX. 
XXXX, UT XXXX XXXX XXXX I have still not received any information around this " collection '' and in my last conversation was told that I can come pick up the information but you will not mail it. That is very concerning. 

I am happy to review the claim, but I ask again that you mail me the information as requested to the above address. 

Thank you for your assistance with this matter and I wait for your information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A bank account with TD Bank was opened in my name, XXXX XXXX and when i recieved a bank statement for an account that wasnt mine i reported to TD Bank and had the account closed. it looked as if someone was managing large sums of money and redistributing it to a XXXX  XXXX credit card which was also opened in my name, XXXX XXXX. None of these were done with my knowledge. The name involved was a XXXX XXXX from what the bank told me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
Stating that my account is delinquent and we actually have a complaint currently pending. The credit report states that I am 3 months behind.

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 2016-07-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax is violating Section 609 ( a ) ( 1 ) ( A ) Accounts posted on my credit report without verifications of signed consumer contracts. 
UNDER FCRA, unverified accounts must be removed unless copies of verified proof is provided.

Company response to consumer: Closed with explanation