BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-24
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Dear CFPB, I 'm hoping you can help me with an issue I am having with Citibank and how they keep causing me to go overdrawn.

To give you a bit of background - I moved to the US from the XXXX about 6 months ago, so I 'm presumably used to a smoother operating banking system.

Essentially - I am using my Citibank checking account as my main account here in the US. I pay through my card on XXXX, XXXX and in-store. From what I gather, the primary cause of the issue is that Citibank seem to take over 5 days to process any transaction. 

This means that when I am buying things online or in-store, Citibank are not actually processing the payment until much later. When they finally do this, they process all my payments at once and they keep sending me overdrawn, and charging me a {$34.00} transaction fee. 

I 've asked them many times to not do this. I never want to be taken overdrawn. If I do n't have enough money in my account to make a payment, I will just use another card / payment method. But, because Citi are so slow at processing payments they let everything build up and process it all at once so that they can claim to charge fee from me, rather than actually just telling me when I 'm making my purchase that it will be declined and I should use another card. 

All of these charges are below XX/XX/XXXX Monthly Service Fee {$12.00} XX/XX/XXXX Returned Check/NSF Fee {$34.00} XX/XX/XXXX Returned Check/NSF Fee {$34.00} XX/XX/XXXX Monthly Service Fee {$12.00} XX/XX/XXXX Returned Check/NSF Fee {$34.00} XX/XX/XXXX Returned Check/NSF Fee {$34.00} ( As a side, I do n't know why they are charging me a Monthly Service Fee, as I did n't sign up for this ) Your help is much appreciated Best, 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 2017-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Capital One Auto Finance did not comply with the Fair Credit Reporting Act, Section in regards to conducting a reasonable investigation of my dispute against an inaccurate item on my credit file. On XX/XX/XXXX I obtained my annual free credit reports from XXXX. I noticed that Capital One Auto Finance had an account listed about me that is time-barred. The date of opening is incorrect and furthermore I did not authorize Capital One Auto Finance to report this account on my credit file. I called Capital One Auto Finance on or about XX/XX/XXXX to ask them to delete the account because it is too old to be listed on my credit file. I was informed that they could not delete accounts from my credit file that only the credit bureaus could do that. I then contacted the three credit bureaus, XXXX  XXXX and XXXX via USPS Certified Registered Return Receipt to inform them of the inaccurate credit listing and to delete the account. All three  credit bureaus wrote back to me stating that Capital One Auto Finance verified that the information about the account was accurate and that it would remain on my account. I am distressed that Capital One Auto Finance continues to break Federal and State laws by not conducting reasonable investigations to my credit file when I ask them to which caused damage to my reputation, my credit score and causing me lost opportunities to seek credit. The account I am referring to is : Capital One Auto Finance # XXXX This Account is too old to be on my credit file. The opening date of this account is incorrect. There is no contract for this account. I did not authorize this account to be on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Six accounts were open in a similar to mine. My name is XXXX XXXX. The accounts are in the name of XXXX XXXX XXXX. XXXX XXXX open up the following account that are fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX Walmart, XXXX XXXX and XXXX XXXX. This is affecting my consumer report and would like them to be removed. Synchrony sent me a letter letting me know do to fraudlent account they would be closing the accounts above.

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 2021-12-07
Company: DCI Credit Services, Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ok DCI removed a bunch of collections from medical bill. Then the added a bunch more for XXXX {$3.00} {$2.00} XXXX Their trying to collect interest on old debt. Then if I pay it to remove it they start all over again. The debt is over XXXX XXXX XXXX. I dont want to contact them I have never talked to them or enter into any type of agreement with them. They r sabotaging my credit an its.not ok Im need to be able to at least buy a house an a automobile to live

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: ENCORE CAPITAL GROUP INC.
State: NC
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:
WE HAD THE ACCOUNTS DISPUTED FOR SEVERAL MONTHS AND HAVE NOT RECEIVED A RESPONSE FROM THE CREDITORS DURING THAT TIME PERIOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
To Who Can Help, I have sent in letters to Equifax regarding items that are wrong on my credit report in the attached documents I have dates showing the negligence of their company. it has been well over 30 days I need answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Manhattan Beach Venture, LLC
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
2015 I set up a way to make low monthly payments to have my student loans paid off. I then joined the military and my time away temporarily delayed my payment process meaning I wasnt eligible to receive any student aid. I was told there was deferment options for military members but that didnt apply to me because my loan had gone into deferment.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 had applied for a mortgage and found out that XXXX XXXX XXXX was reporting a collection account for a XXXX XXXX credit card debt. I have NEVER had an account with XXXX XXXX ever. I have disputed this account with all 3 credit bureaus over 4 times now as well as with XXXX XXXX. I have sent certified letters asking for proof of this alleged debt and all they have sent me was a couple of XXXX XXXX statements not showing anything that was actually purchased. The balances on the statements they sent me do NOT match what they are reporting to the credit bureaus either. I am filing this complaint against TransuinoXXXX XXXX, XXXX and XXXX XXXX. This is my last effort to resolve this erroneous account before i send this to my consumer protection attorney to sue them for FCRA, FCBA, FACTA and FDCPA violations.

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 2017-10-24
Company: BMW Financial Services NA, LLC
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) has violated FDCPA in multiple ways : - They contacted my employer more than once, on XX/XX/XXXX and on XX/XX/XXXX- They contacted a relative and left a message, then disclosed that they are attempting collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase reached out to my wife asking for information on XXXX wires we completed. Although the information was provided timely to Chase representatives, Chase froze my account without a warning. I called the bank and had the freeze lifted, but meanwhile XXXX credit card payments were declined and XXXX checks bounced. I experienced XXXX in return payment fees because of Chase error. When I called the bank and asked to reimbursed for the out-of-pocket expense because of Chase error, was told by members of their compliance department that Chase would not reimburse the costs, even though it was their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
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:
not mine FCRA violations : see ftc and attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-19
Company: CONTRACT CALLERS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company reported a debt on my credit report without notifying me of this debt. it was previoulsy with another company that done the same, This was worked out in good faith with the original creditor. I was also not notified that this debt would be reinserted on my report within 5 days As I was supposed to be.

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 2022-04-30
Company: Asset Recovery Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account, # XXXX, has violated my right 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 166B : A creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Colony Brands, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I sent Seventh Avenue a Federal Trade Commission Identity theft report in regards to a fraudulent Seventh Avenue Account # : XXXX opened up in my name and the fraudulent account is listed on my XXXX and XXXX credit report. The Seventh Avenue Account is a fraudulent account and isnt my account. I never applied for the Seventh Avenue Account. The account is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I purchased a vehicle back in XXXX and it was financed through Lobel Financial. I was in desperate need of a car with my XXXX children. The salesman was so desperate he sold me a lemon. The car broke down on me on the freeway with my children in it. They repossed the car and have since then have been trying to collect the debt. I know there are XXXX laws against this kind of things to protect me and I want to know my rights and how I can fight this case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: LoanCare, LLC
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My nephew and his girlfriend used my name to get a loan. She signed documents. I went to the police department and filed a identity thief. 
Sent all the papers to the Loancare. They are harassing me. 
I explained to them they have all the documents that I faxed to them. There phone number is XXXX. I spent one hour today. Telling them its not my loan.

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 2021-12-07
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: Investigation took more than 30 days

Complaint:
XX/XX/2021 : Sent XXXX XXXX XXXX a letter requesting validation for these accounts : # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX Sent Equifax a letter requesting validation of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX Sent XXXX a letter requesting validation for these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX It has been 30 days and I have not been notified of the status of the validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX i notified capital one that i was facing financial hardship. I was unemployed and had a credit card i opened up after a XXXX following a severe accident in XXXX. I told capital one in XXXX that i was unemployed and asked for their credit protection option for help with my balance due. I was declined the coverage and instead was charged at least 5 past due fees. I was even charged a fee in XXXX of XXXX when i paid on my bill on the correct time. When i indicated that i was unemployed and facing financial difficulties my option were not provided. I was told i had no coverage for protection against past due fees and i was not eligible for rebates or program. Instead i was charged additional fees and then in XXXX it was transferred to a debt collector. The collector is collecting on the past due fees i was charged. On top of the past due fees, i was notified in short form that i had to pay a {$650.00} recovery fee on top of the balance of my cards. This was reported to XXXX XXXX XXXX who capitalized all past due fees and recovery fee and filed on civil lawsuit on behalf of capital one. I attempted to settle with XXXX XXXX XXXX minus the recovery fee and past due fees and was immediately sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX has repeatedly called me from different numbers, in different states, and will not tell me who they're working for until I tell them my personal information. I have blocked at least 20 numbers, most of them from Washington state, and the latest from New Mexico. 
This company also took me to court which I knew nothing about until I started getting mail from layers in my area about someone taking me to court, which I never heard about from XXXX themselves. I had to find it through my state 's court records and found it that way. It has since been dismissed by the county, but it's now on my record. I could understand this harassment for a large sum of money, but for the amount I owe? This is plan harassment.

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 2021-12-07
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2021-12-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Balance {$0.00} XXXX-Balance {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) -XXXX-Balance {$580.00} XXXX-Balance {$670.00} XXXX-Balance {$890.00} XXXX XXXX XXXX-Balance {$690.00} XXXX-Balance {$0.00} XXXX XXXX XXXX-Balance {$2100.00} XXXX-Balance {$0.00} XXXX XXXX-Balance {$610.00} XXXX-Balance {$0.00} XXXX XXXX-Balance {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: LendUp Loans LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeated erroneous reporting of balances without providing 100 % accurate, verifiable information. 
Balance : {$1200.00} Balance : {$0.00} ( Payment Amount : {$680.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TD BANK US HOLDING COMPANY
State: PA
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:
Per Previous Complaint # XXXX The ( XX/XX/XXXX ) TD Bank letter stated that they would credit my account within 3-5 Business Days. As of this date ( XX/XX/XXXX ), the two charges are still on my account and/or there was no credit issued. I searched the original charges and also reviewed all credits to my account in XXXX. I made a phone call Thursday ( XX/XX/XXXX ), left a polite detailed message, and have not received a return call. 

I understand the companys response to my complaint I understand what they were supposed to do ; however, they never followed through on their promise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation