BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
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 n 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 us 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 n ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Other

Complaint:
The specific problem here is Citibank 's failure to take XXXX " declined '' transactions out of its " pending transaction '' queue for my credit card. The more general problem is the absurd administration of the queue for various transactions. The attachment shows that queue for my Citibank AA Platinum credit card. 
The specific problem arose because on XXXX XXXX, 2015 my daughter ( a cardholder on the account ) went to purchase XXXX season ski pass for the ski slopes near hear college for {$500.00}. The transaction did not go through. She kept trying to submit it and ultimately a {$500.00} charge went into Citi 's system 4 or 5 times ( I 've been told different things by Citi during calls with Citi ; they should have call logs ). According to Citi, all such transactions were declined. However, 6 days later, there are still XXXX " pending '' transactions for {$500.00}. Those all use up my credit limit. Ultimately, on XX/XX/XXXX, my daughter tried the transaction again and I am told by her that it went through. 
I 've called and emailed Citi asking them to get rid of the already " declined '' transactions. In response, I receive emails that tell me the transactions can remain in the queue for up to 30 days ( see the attached emails in the image file ). You need to issue a regulation that stops such stupidity and unfairness. 
More generally, this little mess caused me to look at how long some things sit in the queue. You can see for yourself when you look at the list. It 's absurd. There are XXXX day old gas station charges. There is a XXXX XXXX charge for {$100.00} that no doubt is a placeholder charge from my stay at a XXXX LAST WEEK. I checked out XXXX XXXX XXXX. 
Obviously it 's easiest for merchants and Citi if they act slowly, if at all. XXXX, for example, should close out the placeholder. And, Citi should void out the XXXX declined ski pass transactions for {$2000.00}. But instead, they do not and I end up wasting my time on this nonsense. Moreover, it may be that these long delays help the bank to rack up " over limit '' fees from many of its customers. As we all know, today 's banks are all about hitting consumers with fees. This may be the same scam as stacking checks ahead of deposits in order to create overdraft fees in checking accounts. 
In sum, since Citi and others fail to act in a timely or responsible manner to clear out old transaction, you need to issue regulations that force timely and responsible action. Yes, it will cost Citi money to do things in a timely manner, but that 's what should be done and having more employed people would be a good thing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: PRESTIGE FINANCIAL SERVICES 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:
There is a vehicle charge off on my credit report from Prestige Finance and this appears to be fraud. This has hurt my credit tremendously and I would like this item removed. I have tried to contact the company but they would not assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX always try 's to collect twice on their end upon a disconnection. Creditor Acct # XXXX ; The most recent total amount due was {$000.00} as I returned their equipment in person to their office on XXXX. They had sent the equipment chgs to CREDIT MANAGEMENT , LP for the amount of {$220.00}. This is annoying and is the reason I am so upset most of the time. This ALL effects my credit score. My life begins to fill unmanageable when collection letters come that are inaccurate. Once their tech. came out and pocketed my Son 's cash. When I spoke with them, they called it a mistake. That is must have been sent to misapplied accts. What? a tax loop hole? It is so very upsetting to see my credit score drop with each institution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: CO
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:
On XX/XX/2022 I sent Experian a certified letter to correct a few inaccuracies in their credit reporting. 
The FTC enforces your responsibilities to furnish information that's accurate and complete, and to investigate consumer disputes about the accuracy of information you provide. 

They are reporting FOUR of my accounts inaccurately. They sent me a generic computer generated response, " this is verified by the creditor '' However I am NOT disputing the account I am disputing how they are reporting the PAYMENT STATUS on each of these accounts.

The payment status is to reflect the current status of the account which all 4 of these accounts are current. They are reporting as follows : XXXXXXXX XXXX XXXX XXXXXXXX '' was past due 30 days '' XXXX  XXXX '' was past due 30 days '' XXXX XXXX " was past due 150 days '' XXXX XXXX  '' -was past due 30 days two times '' All 4 of these accounts are current and they need to be CORRECTED to CURRENT or PAID.

I hope that Experian can actually read and investigate the issue that they are reporting inaccurately and get these corrected immediately. This is harming my credit and if not corrected I will exercise my legal rights for their blatant disregard for following guidelines. 

I've included a copy of all 4 accounts credit bureau with the error highlighted and the letter I sent them last month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have contacted XXXX XXXX about a account that was opened in my name is now being reported on my credit reported they was supposed to take care of the issue I told them its not my ssn that this account is linked to but it is being reported on my credit report the account number showing on my credit report is ending in XXXX. I have talked to customer service and they bring the account up by four digits that is similar to my son but not my ssn and the say they can't give me any info

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 2020-09-29
Company: Financial Accounts Service Team Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XXXX I received a robocall from a debt collector to my cell phone that does not identify me but a message was left with my name and that they were trying to collect a debt I called the company and told them to stop using robocalls to collect as this was a violation of my rights. Today XXXX this same company called my wifes phone which also does not have any identifying information with a robocall saying they are a debt collector and revealing my name and they are trying to collect a debt which they have already been asked not to use a robocall and they revealed info to someone not involved

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: Pinnacle Credit Services, LLC
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
LOT OF CREDIT IS OLD.I want them off my credit now. lot of the credit is not true. I want to take it off my credit report now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have repeatedly had issues with initiating disputes over the phone and in writing via mail to Transunion LLC. The representatives after verifying my identity, and fraud alert that's in place will not process my inquiry disputes and constantly are giving loopholes that discouraging and complicated. The FCRA gives consumers the right to dispute inaccuracies on their report and dispute inquiries that are done without the consumers consent. Following that, I submitted in writing in XX/XX/2022, account disputes accompanied with copies of proof of identity and address, signed with my legal signature. Transunion refused to process the disputes in writing. Following XX/XX/2022, Transunion sent a generic letter that did not adequately explain why my dispute was not processed. So, I called and spoke with XXXX XXXX in special handling department, and she confirmed the dispute was not processed. She told me that they would not access my documents to process the disputes and even after she verified my identity, the dispute was not initiated as I requested. On XX/XX/2022, I contacted legal counsel and had a document mailed to TransUnion making another request to initiate my dispute. On XX/XX/XXXX, I received a notice of the dispute results and as a result the disputes, Transunion re-aged the accounts, where my delinquencies were showing updated as of the date they were disputed. This is unfair! The date updated should be when the creditor initially reported the derogatory information. The new date would delay the account falling off my credit report in 7-10 years by law. Transunion is very deceptive in its business practices, which is a violation of my consumer rights and the FCRA.

I also have had negative experience with XXXX as well. This company never sent updated results of my credit disputes after the investigation was concluded and they re-aged my credit accounts as mentioned above whenever I dispute them. The date updated should be when the creditor initially reported the derogatory information. The new date would delay the account falling off my credit report in 7-10 years by law. XXXX is very deceptive in its business practices, which is a violation of my consumer rights and the FCRA.

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 2017-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Capital One credit card is reporting a negative and fraudulent account on my credit files and they have been doing so for years now. I have sent them police reports and dispute letters numerous times and they refuse to resolve this issue. They replied bakc last week after years of no replies and said they verified he account and confirmed my address and the accounts Belongs to me from their records. I disagree. I continually disagree and this is identity theft and fraud and I had mail theft as well and that would account for all of this. I have sent all the info merino to capital one now on multiple occasions and they refuse to assist and handle this matter. They have broken credit card rules and regulations numerous times by disregarding my disputes, not replying wihtinthw allowable time frame, harassing me with phone calls and letters as well as having attorneys and collections call me numerous times. They have not handled his urgent matter and it needs or be properly handled. This account and balance thus are reporting and saying belongs to me does n't. I have done very thing in my power to get assiatnce with this and I 'm beggin. You to please get this removed from my credit file as this does n't belong to me I paid on this account at first thinking it was my debt until researching and understand in fact it is not mine. Capital one has threatened me and lied numerous times and has caused me nothing but upset and hardship for an account that does n't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX, my wife and I took a mortgage with HFC, now HSBC, which included a life insurance policy payment of {$120.00} covering both myself and my wife which was included and paid to HSBC in XXXX check with each bi-monthly mortgage payment. A total of {$940.00} ( every 2 weeks ). I could have taken a widow 's benefit on my pension, but it would have been a more costly deduction. On XX/XX/XXXX received a cancellation notice from a Co. named XXXX XXXX XXXX. of XXXX stating that as of XX/XX/XXXX my policy would be canceled. Upon calling HSBC at XXXX, I was told that they transferred my policy to XXXX in XX/XX/XXXX, as they did not handle insurance since than and that I was notified of that change. I was never notified. In fact, according to there web site ( XXXX ), they still sell insurance. I have always sent my insurance payment included with my mortgage payment every 2 weeks to HSBC. I was never told anything different. This not the first time that I have had problems with HSBC. A number of years ago filed a complaint with the state of XXXX after I had filed for bankruptcy which did NOT include my mortgage. HSBC stopped automatic withdrawal of my payments ( mortgage and insurance ) from my checking account, stopped paper billing, denied me access to their web site and changed my account number all without notifying me. After some time the state was able to correct these issues and returned my good standing with HSBC, although I still have to arrange for my bank to send the bi-monthly payments including the insurance made payable to HSBC, which thy have accepted and cashed and continue to do so. I think that I may have been canceled because HSBC may not have been sending the payments to XXXX. I have talked wit XXXX and they will not give that info or a reason why we have been canceled. I have made payments every XXXX weeks since XXXX of XXXX. On a premium stand point, I should be paid way ahead as I am with my mortgage. This Policy was supposed to be like a nest egg to incase one of us died the other would not have to sell the house unless they wanted to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: SUMMIT FUNDING, INC.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I applied for HAF ( Homeowners Assistance Fund ) through XXXX XXXX XXXX Ohio. We were deemed eligible and approved on XX/XX/2022 File # XXXX. I have been in contact with XXXXXXXX XXXX XXXXXXXX and they have now sent out ( 3 ) payments under the program to Summit Funding. I keep getting calls from Summit Funding asking me if I want to continue with Loss mitigation or go with the HAF program. I have told them now FOUR TIMES over the past month and a half that we are going through the HAF program. We have not signed off on loss mitigation and we are not going with that program. I have sent multiple emails to Summit Funding loss mitigation department with NO RESPONSE. I have also spoken with XXXXXXXX XXXX XXXXXXXX and they said they are sending payments through the treasury department but apparently Summit Funding doesn't see them coming through. I need to know what is going on. I filed a complaint a few months ago and Summit Funding responded saying as soon as we were approved through HAF they would work with them and accept payments. Now here we are and no one can tell me anything. Our mortgage is showing that we are still months behind despite the HAF making payments on our behalf. We are approved for behind payments and 6 months after until XXXX. We feel like they are trying to make us go with the loss mitigation and that is not what we are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
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 CREDIT ACCEPTANCE CORPOR, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX XXXX XXXX Get more credit hacks tips from buying the masterclass ebook for {$12.00} limited time only hurry!! # creditscore # howto # favoriteXXXX # creditrepair # MasterClass # credit # Repost 5 Original audio J Try It 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 2022-08-25
Company: CITIBANK, N.A.
State: VA
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 filed a dispute with Citi Bank to request a refund for two separate charges from the merchant XXXX XXXX XXXX XXXX. The original agreement was to set an appointment to style my hair in which I had cancelled but the stylist never refunded me, then a month later, they charged my credit card again without any explanation and would look into it and issue me a refund but never did. They eventually blocked me from communicating with them and I am currently out almost {$800.00}! 

The merchant was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX || XXXX || XXXX XXXX I sent over all communications that I had with this stylist/merchant and the dispute team did not do the due diligence of honoring the refund, crediting my account, and charging the merchant back the funds. 

The appointment had been made directly with the stylist, through text, not the XXXX party booking app XXXX. The stylist made the booking through XXXX and did not honor cancelling the appointments as we discussed through text message. I tried numerous methods to work with getting a refund from the merchant. I asked for the full refund because I cancelled the appointment, I tried giving leeway to letting them keep 25 % of the initial {$380.00} charge even though services were not provided! Afterwards, the merchant blocked me from communicating with them and refused to provide my refund, which is where Citi Bank comes into play. 

For the dispute, I submitted screenshots of text messages, emails, proof of contacting the 3rd party company XXXX and even going as far as to include medical evidence to prove my cancellation. I found it a bit excessive to provide medical receipts, but I was willing to provide a strong argument for my case that I was owed a refund. Unfortunately, I was denied by Citi even though I did everything I could to resolve the issue with the stylist and charges, they did not look out for their consumer. 

I will be sending over more information to Citi for an appeal regarding the dispute to Citi Bank with even more documentation than I originally submitted. I went as far as to prove that the 3rd party booking company XXXX stated that the stylist does have the ability to provide a refund! Regardless, the merchant should not be paid for something that didnt happen!

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 2016-10-22
Company: BANK OF THE WEST
State: NE
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Subsequent to a complaint filed with your agency against Bank of the West, my account has been charged {$230.00} in junk fees. I have attached a copy of the running figures on account ending in XXXX. On XXXX XXXX, 2016 the account as a positive {$7.00}, then without explanation fees in the amount of {$62.00}, {$30.00}, {$70.00} and {$70.00} were charged bringing it to a negative {$210.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation