BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-12
Company: CITIBANK, N.A.
State: NE
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:
Visa Best Buy Credit Card. 
Purchased items in XXXX and XX/XX/XXXX. I entered automatic check payments with my credit card number in the account box, so that account number was printed on the auto payment check. I made monthly payments each and every month since XX/XX/XXXX. Citi, for some unknown reason, deposited 2 of the checks into someone elses account. It resulted in late charges and escalating my balance by over XXXX for fees, etc. I sent in the proof that I had faithfully sent in my payments, but nothing came of it, they just ignore me and keep adding fees to my bill. I've called customer service many times and still nothing gets done. I am sending in my last set of documents and if that doesn't rectify this account, I can only get legal council next. It is getting out of hand as the zero interest promotional purchase will end in XX/XX/XXXX and will then accrue back interest. They have paid the fee 's first and then apply the left over to the dishwasher promotion, so the dishwasher is a little behind in being paid off. I'm XXXX and have a limited income, but this would have been completed if they had not made so many mistakes with this account. They even charged a late fee AFTER I made a payment. Its terrible bookkeeping.

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 2023-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
accordance with the fair act credit reporting act XXXX XXXX  # XXXX has violated my rights. 
15 USC 1681 section 602 states I have rights to privacy.

15 USC 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish an 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
Company: TD BANK US HOLDING COMPANY
State: IL
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have ALL 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Block, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX while being held against my will by XXXX XXXX I was forced to transfer all of my money which was on a XXXX card, to my cash app card and then to him ... there were two charges one for {$2500.00} and one for {$2900.00}... I filed fraud with both card companies after I was free and he was in jail. XXXX XXXX rejected my fraud claims multiple times. Cash app just kept saying they were working on it and would let me know when they decided an out come. Fast forward to XX/XX/XXXX I receive an email from cash app saying they granted my fraud refund. They then deposited {$2900.00} on to my cash app card, and said they refunded the other XXXX to my XXXXXXXX XXXX XXXX ending in XXXX ... A card which was closed due to the fraudulent activity XXXX had done... Now cash app is stating the deposit was successfully and XXXX is saying there was no deposit. Each are telling me to call the other... It has already been over a year and a half

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE 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:
In accordance with wFair Credit Reporting Act XXXX Account # XXXX 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-03-12
Company: EQUIFAX, INC.
State: LA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-19
Company: Prince Parker & Associates
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter in the amount of {$200.00} from Prince Parker & Associates Inc. 
for XXXX XXXX XXXX from a business I owned, XXXX XXXX. 

a ) I never had an XXXX XXXX XXXX account for XXXX b/c there would be no use for it. 
b ) I currently have an open, active XXXX account so if any error for this service was ever made, XXXX would have billed me directly. 
c ) XXXX XXXX has been closed for over 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Selene Holdings LLC
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 XXXX Account # XXXX, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: SANTANDER HOLDINGS USA, INC.
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Santander repossessed my vehicle, then a year later I was included in the lawsuit against Santander. Since they had already repossessed my vehicle and sold it I wasnt able to get it back, so instead I got a refund check from Santander. They were suppose to remove any balance left.vI have been constantly fighting with the them and XXXX with no response other than them increasing the amount of debt that they were sued to remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Upgrade, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/23 I called upgrade to schedule a regular payment in the amount of {$400.00}. I explained about my mortgage and upcoming XXXX. The representative asked if I was having a hardship. My answer was yes and the representative set up a payment in the amount of {$120.00} XX/XX/23 Upgrade deducted from my XXXX checking account {$1200.00}. 
XX/XX/23 I called Upgrade, the representative was shocked and replied that this would be taken care of with in 4 days XX/XX/23 Upgrade deducted the original payment in addition to the wrong amount which was {$120.00}. * In summation Upgrade debited our checking account in the amount of {$1300.00} *** 10 times the amount they said they would debit and what we authorized XX/XX/23 called Upgrade again and they said the reimbursement would be processed by the XXXX of XXXX. No payment was credited to our XXXX checking account XX/XX/23 Called again and XXXX and XXXX from resolution team told me they could not process reimbursement until XX/XX/23 XX/XX/23 No reimbursement was made so I called Upgrade again and the representative promised payment by the end of the day AND STILL NO REIMBURSEMENT HAS BEEN MADE. 
Id like to add that this has put my family into a Further Hardship.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
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 woke to find my account in the negative. Citizens Bank was apparently having an issue in which transactions posted on XX/XX/XXXX repeated on XX/XX/XXXX. I received a text telling me my account was overdrawn when I should have had a positive balance. I had no access to my money for the duration of the day. 

I called the holder of my car loan looking for answers on why they took another payment. They did not. I called my local branch who seemed unaware of the issue. 

By XXXX XXXX  the funds started to be returned. Only on XX/XX/XXXX did they send an email advising of the issue. 2 days after the event. 

My bank statement reflects these erroneous overdrafts. They shut down my debit card claiming fraud. The only fraud is their own. 

I would like their records to accurately reflect what occurred was not my doing but their own.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX # XXXX, who has a consent order for failure to report accurate information is reporting my information incorrectly to XXXX, and Equifax. I have contacted the bureaus, but they merely rely on the XXXX XXXX XXXX and never do an investigation which is my right under the FCRA. Instead, they just delete data fields or say they have already investigated it. As we know, the credit bureaus must report 100 percent accurate information. So, how can all three bureaus have different information and it be verified at the same time? This is not accurate. Additionally, Equifax and XXXX has reported differently. For example there is no account number on neither. The agency names are different on both Equifax and XXXX. On Equifax the STATUS reports unpaid, where XXXX reports Account seriously past due date/ account assigned to attorney, collection agency or credit XXXX XXXX XXXX department XXXX I want this deleted from all two credit bureaus as they have violated my rights by reporting inaccurate information and have caused financial harm because of it. In accordance with the FCRA, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 1692. Account XXXX XXXX # XXXX XXXX. 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 15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1692c 15 U.S. Code 1692b ( 3 ) 15 U.S. Code 1692b ( 4 ) 15 U.S. Code 1692b ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRUIST FINANCIAL CORPORATION
State: IL
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 mailed TRUIST BANK a letter via CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX regarding a charged-off account being reported on my consumer reports. I have requested that this charge-off be removed due to the IRS clearly defining a Charge Off as GROSS or ORDINARY income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes TRUIST BANK/LIGHTSTREAMs reporting of this account inaccurate. I also asked TRUIST BANK to provide me with the 1099-C Form that TRUIST BANK/LIGHTSTREAM should have sent when they filed the account as a canceled debt. 

TRUIST BANK responded and totally ignored my request and continues to furnish negative information on my consumer reports. This is a violation of my consumer rights.

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 2023-03-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I wrote this company XXXX and asked them to do an investigation and correct their records. This letter was sent out XX/XX/XXXX Today is XX/XX/XXXX and there has been no investigation or attempt to correct their records. Enclosed I will show pictures of the letter sent XX/XX/XXXX along with a picture of the certified mail receipt. I am also enclosing pictures of my credit report obtained more than 30 days after they received the letter to investigate and validate the debt. You can see the errors across the reports when it comes to the dates of last activity and payment history etc. This has impacted me and changed my life severely. In the letter I stated that if no action was taken in a timely manner that I would be contacting the cfpb and still no validation of the debt after over 5 months. This is a complete violation of the fair credit reporting act and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
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: Investigation took more than 30 days

Complaint:
I wrote this company XXXX and asked them to do an investigation and correct their records. This letter was sent out XX/XX/2022. Today is XX/XX/XXXX and there has been no investigation or attempt to correct their records. Enclosed I will show pictures of the letter sent XX/XX/XXXX along with a picture of the certified mail receipt. I am also enclosing pictures of my credit report obtained more than 30 days after they received the letter to investigate and validate the debt. You can see the errors across the reports when it comes to the dates of last activity and payment history etc. This has impacted me and changed my life severely. In the letter I stated that if no action was taken in a timely manner that I would be contacting the cfpb and still no validation of the debt after over 5 months. This is a complete violation of the fair credit reporting act and the FDCPA.

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 2023-03-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent a letter out XX/XX/XXXX requesting validation of the debt. Its been over 5 months and the only thing they have done is notify one credit agency that I am disputing the debt. By law you only have 30 days it has been well over 5 months. enclosed are recent pictures of my credit reports from all 3 agencies showing that there are still inconsistencies. It also shows that in 5 months you have only alerted one agency that i am disputing the debt and that is still not validated or confirmed or even investigated. I am also enclosing pictures of the certified mail receipt dated XX/XX/XXXX. I am enclosing the letter i sent requesting validation of the debt bearing my signature and asking you to do so in 30 days. I have been personally and severely impacted by the lack of due diligence of this companies reporting and its in complete violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: SFMC L.P.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX I received my escrow statement from my mortgage company, Service First Mortgage, saying that there was a shortage in my escrow account of {$9100.00} and thus my monthly payment was going to increase to {$2900.00} from the original payment of {$1800.00}. When I contacted the company they said that the vast majority of the increase was due to an increase in school taxes. I contacted several other residents within my neighborhood and within my county and they said that they had no such increase. When I called the company back and spoke with a different person they said the same thing and insisted it was correct and no error had been made. They said that this was my current payment and that no assistance or extensions could be offered. This new payment is obviously an error or everybody else in the area would've had an increase to their school taxes as well and a similar jump in their mortgage payment. Without immediate correction I am going to default on my loan because this has made it unaffordable. I am going to try again to contact the company on Monday, but as it stands I am going to lose my house and destroy my credit. I do have the XXXX XXXX on the house and it was applied for when I bought the house in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: EQUIFAX, INC.
State: MD
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 have on numerous occasions attempted to rectify a few discrepancies within my consumer report. Under the law, it is the job of the consumer reporting agency to make sure that the information that they are reporting is accurate. As the consumer I have notified the agency to remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) To date these unverifiable accounts remain on my consumer report. 
The consumer reporting agency should be able to see that these items have been previously disputed without a proper investigation/ or verification method. I am requesting that the consumer reporting agency reinvestigate these accounts by manual verification. If any item is to come back as verified please provide this information pursuant to 15 US Code 1681 ( i ) ( 6 ) ( b ) ( iii ) : 1. A description of the procedure 2. Name of the business 3. Business address 4. Business phone number 5. Name of the agent 6. Most importantly, if my personal information such as my date of birth, ssn, and/or address was provided to you without my consent for verification purposes.

Company response to consumer: Closed with explanation