BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My credit card was about to expire in XXXX, 2022, so a new card was sent to me, which was lost in the mail. I called about getting a replacement and a replacement for the lost card was sent, which I never received or which was also lost. My account was soon thereafter closed and my password into my account was disabled so I could no longer make monthly payments online. When I called the company about the problem, I had to pay over the phone ( after a XXXX minute wait ) and requested to re-open the account so I could access it online in order to make payments. An email was sent to me with a link to a message in my account about my request, but since my account is closed, I couldn't access the message. I called again to explain this problem and was finally told I could not get a new card and the only option was to call every month to make a payment over the phone, and the wait-times are typically XXXX minutes to be connected to an account specialist. I don't understand why they would close an account with a balance when they know that access to that account to make monthly payments would be impossible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: The CMI Group, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2015 I received a phone call from Credit Management , LP regarding an alleged balance owned to XXXX in the amount of {$88.00}. On the same date I sent to Credit Management , LP a letter via certified mail disputing the debt and provided written confirmation of account cancellation effective XXXX XXXX, 2015 as well as payment in-full through that date. I requested that Credit Management update their records and cease & desist contacting me regarding this matter. I received signed confirmation of delivery of my certified letter, however Credit Management continues to contact me by phone with regularity, the most recent of which was today XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
Macys XXXX has placed me on electronic billing statements without my permission several times. I have gone to their website to request paper statements to just be switched back to electronic statements a few months later without my request. Being that Macys spams my email account several times a day with unwanted marketing material, I opt out of their emails which removes Macys.com from my email box and therefore electronic statements never make it to me. This has happened twice in 18 months which resulted in 2, XXXX lates reporting to my credit reports over the last 18 months. Macys customer site for their consumer charge card is confusing and uses multiple pop ups trying to trick the consumer into electronic statements without the consumer understanding.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX XXXX is threatening to sue me for an old debt they bought that is out of the statute of limitations for California. They have also failed t mail me a letter 5 days after calling.

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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-11-16
Company: Valor Intelligent Processing, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was connected about a XXXX XXXX XXXX that I have never had. I live in XXXX and the bill is in XXXX. I spoke to VALOR INTELLIGENT PROCESSING on numerous occasions and explain this was not my bill please provide me with a signed contract, which I have never received

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Application processing delay

Complaint:
Sometime in XXXX of 2015 I was approved for a Capital One Secured credit card requiring a deposit due within 80 days ( XXXX/XXXX/2015 ). I contacted Capital One on XXXX and processed the payment for the deposit ( {$200.00} ) and was advised it would take approximately 2-3 weeks to received my card. After a couple of business days, I realized the funds had n't been deducted from my account and I proactively reach out to Capital One on XXXX to understand the delay. I was advised the payment was n't processed due to some error. I was asked if I wanted to reprocess the payment but I wanted to be sure it would still be considered on-time as it was past the 80 day timeframe. The representative assured me it would be and so I authorized the payment from a different checking account. The funds were deducted from my account on the XXXX. On XXXX, I called to ensure funds had been received and that my application is being processed. To my surprise I was told as payment was received on the XXXX, beyond the 80 day timeframe, my funds were going to be refunded to me and it would take 10 business days. I requested to speak to a supervisor, who reviewed the account and acknowledge the company error and provided me with XXXX options, 1. submit a new application ( another credit inquiry impacting my credit ) and hopefully funds would be applied towards that application or wait until approximately the XXXX to be refunded. Both unsatisfactory options. I explain again that it was company error to no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged a return check fee for a check written from my Capitalone 360 checking account, check # XXXX in the amount of XXXX. CapitalOne supervisor by the name of XXXX agreed to waive overdraft fee in the amount of XXXX, however, there is still an issue of return check fee in the amount of XXXX, the attached screen shot shows the charge by XXXX Bank. A deposit made prior in the amount of XXXX should have covered this check written from my XXXX checking account, however, a finance charge posted after which caused account to become overdrawn. Previously, the account was brought to a zero balance and I also had an overdraft credit line in the amount of XXXX, but that was brought to zero without my previous knowledge. No notice was received stating so, otherwise I would not have written any checks. Please advise Capitalone I need XXXX return check fee credited to my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16
Company: LL Services Parent LLC
State: ND
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:
Fraudulent inquiries on my XXXX credit report COVIUS MORTGAGE SOLUTION inquired XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX XXXX inquired XX/XX/XXXXXXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I as victim of both burglary and stolen funds from CapitalOne bank account continue to ask my stolen funds to be back. And suspect XXXX XXXX should get prosecuted to jail. 
Acct : # XXXX Amount : {$79000.00} Interest : 20 % Late fee : {$100.00} each month for 3 years = {$3600.00} Travel Expense : {$120.00} Time spent to collect funds : XXXX hours @ $ XXXX/per hour = {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XXXX, I mailed my payments from XXXX XXXX XXXX in XXXX, NV. We gave the head of housekeeping the bills that where addressed to Companies that I owe. She put them inside of a box that said out going mail. 
Check number XXXX, Made out to XXXX XXXX XXXX XXXX, In the amount of XXXX, it was electronically cashed by XXXX XXXX. 
I have filed complaints with Chase Bank 4-5 times. Every time they tell me that it is going to take 30-90 days. 
XXXX XXXX also cashed other checks electronically which was corrected by the bank. These checks were marked through the companies names and XXXX XXXX wrote her name in. 
the XXXX XXXX XXXX XXXX check number XXXX was not marked through by XXXX XXXX but she was able to cash electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: LEXISNEXIS
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I ordered a free clue report online to see what was going with my insurance score and credit report this website on Lexis Nexis indicated they follow all governmental policy and procedures so I ordered it from them. The website asked for all of my personal information along with social security information which I provided for my free report I entered everything in and the site redirected me to my account page to access my report but there was nothing there? I emailed support and the responded with the exact same steps I performed the first time and said my case was resolved?? I : E see quotations of response from the Lexis Nexis company ) -- & gt ; & gt ; & gt ; ( To view your search results please access the weblink https : //personalreports.lexisnexis.com. Log in to your account and click on 'My Account '. Under " Members area '' click on " My products '' and here you will find links to view or share your report. Click on View Report. 
Date Created : XXXX/XXXX/2016 XXXX Date Last Updated : XXXX/XXXX/2016 XXXX Status : Solved Please let us know if we can assist you further. 
Sincerely, LexisNexis, Customer Support ) And that was it I had tried calling the numbers provided only to find each operator said they had no ability to transfer me to the right department?? So I am now filing this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Penn Credit reached out to me on XX/XX/2022 in regard to an alleged debt. According to their letter I had until XX/XX/2022 to reach out to dispute the debt. I sent a letter XX/XX/2022 certified with USPS. According to the tracking number, they received it on Friday XX/XX/2022 at XXXX XXXX. Even after receiving my letter on time, Penn Credit still placed an adverse mark on my credit report ( a collection ) on XX/XX/2022 which shows as opened on XX/XX/2022, a day before their letter was received by me. 

They have violated my consumer right as pursuant to 15 U.S.C 1692d ( 1 ) ruining my reputation/defamation of character of credit worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account Number : XXXX XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX for my Santander loan account. 
I want you to know that I understand my financial obligations, and if it werent for My financial institution locking my bank account for 90+ days, as well as a recent natural disaster in my area hurricane Ian , Id have an excellent repayment record. I made a mistake in falling behind, but since then, The bank has unlocked my accounts and released my funds and we are slowly recovering from the property damage from hurricane Ian. Since then, Ive had a spotless record of on-time payments, As well as meeting payment arrangement and catching up the status of the account.

Im planning to apply for a mortgage and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments on XXXX, XXXX, XXXX, XXXX, XXXX & XXXX. 

Thank you for your consideration, and I hope youll approve my request. 
Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
THE HOME DEPOT DECREASED MY CREDIT LIMIT AND THEN CHARGED ME AN OVER LIMIT FEE ON MY BALANCE I HAVE WRITTEN THEM SEVERAL LETTERS AND THEY FAILED TO ANSWER SO I WROTE ANOTHER LETTER STATING I WAS CLOSING MY ACCOUNT AS THEY DID NOT RESPOND TO MY LETTERS.I CUT THE CARD UP AND SENT IT TO THEM AND THEN THEY CHARGED ME ANOTHER OVER LIMIT FEE

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 2021-11-24
Company: EQUIFAX, INC.
State: NV
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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I suspect that I am a victim of identity theft because there are names and addresses that are reporting on my credit report that do not belong to me. I notified the credit bureau 's on XX/XX/2021 but when I checked a new copy of my credit report the names and addresses continue to report despite sending each bureau a copy of my identity theft affidavit. 

I requested the following names to be removed : XXXX XXXX I requested the following addresses to be removed : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX My current information is as follows : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: OneMain Finance Corporation
State: ND
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:
Fraudulent inquiries on my XXXX credit report XXXX XXXX XXXX inquired XX/XX/XXXX ONEMAIN FINANCIAL inquired XX/XX/XXXX XXXX inquired XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Prosper Marketplace, Inc.
State: ND
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:
Fraudulent inquiries on my XXXX credit report XXXXXXXX XXXX XXXX inquired XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX PROSPER/XXXX inquired XX/XX/XXXX 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 explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: NJ
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 last of account below has violated my federally protected consumer right to privacy and confidentiality under XXXX u.s.c 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 Has violated my right.. 
XXXX u.s.c. XXXX section XXXX A, State I have the right to privacy. 
XXXX u.s.c. XXXX section XXXX A, section XXXX it also state a consumer reporting agency can not furnish a account with out my written instructions. 
XXXX u.s.c. XXXX c ( A ) ( XXXX ) section state no consumer reporting agency XXXX make any consumer report containing. 
XXXX u.s.c. XXXX section XXXX ( A ) ( XXXX ) 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 2022-11-16
Company: Berman & Rabin, P.A.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Kansas Taxes Of 2018 XXXX Offered. XXXX down Payment Option And Negotiate Weekly Of Monthly Payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-13
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX in XXXX I bought a home in XXXX CA and it cost me {$570000.00}. I fell for the interest only for five years and in XXXX, I was able to refinance through XXXX Bank. For the past 4 years, I have never been late. I always pay my mortgage on time and pay extra on the principle. in XXXX, XXXX sold my home to a Debt Collection agency named Bay View. This agency uses fraudulent accounting systems. Every month I send extra money to pay off the principle, they set the money aside stating just incase I do not send full payment. When I use the phone to talk to them, the amount noted by phone that they received is thousands of dollars less than what I send. My payment is {$2000.00} per month and I send it {$3500.00}. I make the statement reflect that {$1500.00} if for additional principle payment reduction. Since XXXX of last year, each statement I receive does not reflect the additional principle until I call and have a great amount of XXXX to the point that I am on medication in order to deal with the XXXX they are causing me. In addition, there online service is so useless. I tried to send them an email and it did not go through. I tried to file a complaint, the complaint form was not available. It has been 12 months since I have been living in this nightmare called Bayview Collection Agency. I did not authorize XXXX to sell my home to BayView and Bayview is not a bank. It is a debt collection agency making me feel that they will eventually make me lose my home. They charge me interest on the higher amount instead of the amount after the principle is reduced. I sent {$3000.00} for the month of XXXX and XXXX of XXXX to be paid on the principle and they are holding my money into a special account. This is against the law. I am trying to pay off my home sooner so I do not have to deal with their fraudulent calculation. Can you please help me? 
I am so XXXX and feel they are ripping me off. They are not available to speak to on Sundays when I usually get a chance to finally check my mail. I work out of town and sometimes I do not get the mail during the week. You can call me on my cell phone XXXX XXXX XXXX XXXX. I wonder how many home owners in the state of California are not able to pay their principle down if they choose to do so. How do I get my account from under a debt collection? Who do I call? Do I have to pay a fee to get rid of this unethical agency? Is it legal for them to hold my money and not apply it to the principle as I ask? Is it against the law to pay my principle down? I am living a night mare and I am severely sick and ca n't possibly function knowing that there is an agency out there that is ripping me off. I work very hard even though I am legally XXXX. Can you please investigate this agency? And see what can I do to get my loan with a bank that will help me lower my monthly payment?

Company response to consumer: Closed with explanation