BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX, XXXX and transunion keep reporting outdated negative information. I disputed a number of things over 10 yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over 10 yrs ago by mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: National Credit Systems,Inc.
State: GA
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:
I lived at a Apartment in XXXX until XXXX when I moved out I had a {$0.00} balance. I am in the process of trying to buy a house and this apartment is on my credit 3 different times.I called National credit system to resolve the matter and they do n't want to meet me half way.I first offered XXXX dollars and they said complex would n't accepted it so I came up with XXXX and still would n't accept that either so I need help. please ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Williams & Fudge, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I saw that the company placed a collection on my credit report. I called on Monday,   XXXX   XXXX   XXXX     and requested that it be removed from my credit report as it has already been filed under my bankruptcy and they have not done so. I called again today and nothing was handled. This is the company  WIlliam and Fudge Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
Costco went from XXXX XXXX to Citi Card. {$3000.00} has not been credited to my account. 
I have spoken to XXXX people @ Citi Card and no one can help me. XXXX XXXX will not take my calls. 
Costco is not taking responsibility. I have all my AM XXXX statements and ALL payment information. I need some help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-31
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have XXXX days to do so if not or over the XXXX days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over XXXX days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am having issues with Experian. I am trying to get a hold of them because I have an identity theft issue that I have been dealing with. Around XX/XX/XXXX or so I sent in a copy of my identity theft police report due to my personal information being used to open up fraudulent accounts in my name. I found on my report a fraudulent account that was established with XXXX XXXX XXXX XXXX, and XXXX XXXX Account # XXXX. I have tried to get through on the automated system to speak to someone and I have not been able to get a hold of someone but it tells me my report number is not valid. I tried to communicate with them through the online upload portal and the site is giving me a mail in form. I need to get these XXXX accounts removed from my credit report as soon as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: Volvo Car Financial Services U.S., LLC
State: WV
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:
XX/XX/XXXX I returned a XXXX Volvo XXXX as instructed by Volvo. Volvo had performed a preinspection and noted several minor repairs I should have completed before turn-in. I followed their direction and left all the documentation in the car front seat. Volvo still charged me for all the repairs. After several phone calls and multiple resubmissions of the documented receipts and pictures, Volvo finally removed most of the charges. I paid the lease termination fee of {$300.00} and a lost key for {$250.00} but Volvo continued to send me invoices each month. As you can see in the attached XXXX  report the balance changed almost monthly for no apparent reason or without any clear itemization.

Finally, Volvo claimed that the roughly {$390.00} was for personal property tax. Since the State of VA prorates I ask Volvo to send me a statement of the tax record. They didn't send anything other than non-informational monthly statements. recently my credit score took a big hit 100+ points. After investigating I found that Volvo had charged off {$2800.00} dollars.

I have escalated this to a supervisor who claims there is nothing they can do, I ask the supervisor who would not provide his name or case/claim number. I ask for the supervisor I was speaking with for the 3rd time and he said " she '' would call me. I have received no call.

I ask Volvo to update the credit bureaus with the status of the account has been paid in full. Volvo agrees it's been paid in full but refuses to report this to the bureaus or have the {$2800.00} charge off.

This was a 3-year lease. Not a single payment was ever late.

Hoping you can help me. I have Federal Government clearances and that charge off could prevent me from obtaining future clearances to provide assistance to our Federal clients. I explained the serious nature of this to Volvo they didn't seem to care. Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Block, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
A violation of Article II. Terms Between me and Cash App has occurred were as in Cash App has not stored a P2P Payment received one having a transaction identifier ( # XXXX ). 

Cash App instead states an inability to locate any {$30.00} transaction that occurred and instead associated transaction identifier ( # XXXX ) from the XXXX with one completed on XX/XX/2022, having a transmitter Identifier of # XXXX. 

Furthermore, Cash App has insisted to disclose possible account activity that is irrelevant to that violation instead of crediting the amount associated transaction identifier ( # XXXX ) as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: CITIBANK, N.A.
State: LA
Product: Credit card
Issue: Late fee

Complaint:
This is the second time this has happened to me. 
I received my monthly statement from home depot which has a due date on the XXXX day of the next month. I usually pay at the local store on or before the XXXX of the month, However, i paid by us mail on XX/XX/2017 for the due date of XX/XX/2017, total bill of {$27.00}. On XX/XX/2017 I received a notice that my account had been assessed a {$26.00}. late fee plus {$1.00}. interest. The {$27.00} was posted XX/XX/2017. 10 days from XXXX XXXX to XXXX XXXX -- XXXX did better. . interest on what???

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 2020-06-14
Company: Experian Information Solutions Inc.
State: NE
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:
The credit bureau is reporting a balance of {$390.00} owed with XXXX XXXX XXXX  and I have a XXXX balance.I made a payment with my debit card on XX/XX/20 for {$98.00} that has already posted to my credit card account. I also made another payment with my debit card on XX/XX/20 for {$300.00}, which brought my account to a XXXX  balance.

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 2022-01-31
Company: Experian Information Solutions 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:
Hello Dear, It is about XXXX XXXX XXXX, AMOUNT AROUND XXXX My credit report shows repossession on XX/XX/2020 I have receipt/conformation that showed I paided my bill up to XX/XX/2020then the payment REJECTED by creditor. 

It is still not clear why my car got repossessed. I realized my car repossessed on XXXX after calling to request payment deferral for month of XXXX while abroad for church mission and stacked there because of covid no flight order. Problems with XXXX XXXX, APPLICABLE FACTS ( 1 ) Not notifying I have electronic consent to be notified/get any alert. But XXXX failed to do so, instead send only " mail '' to my old address/not the mailing address that I updated on XXXX XXXX XXXX online account. 
( 2 ) Rejecting Auto payment after XX/XX/XXXX ( payment for XXXX ), and reported it credit beauros as not paid. 
( 3 ) After talking and agreed to reclaim my vehicle, but not answering call when to pick up ( physically closed ), XXXX refused to postpone, auctioned it with out any notification. 
APPLICABLE LAWS IN NEVADA ( 1 ) The registerd owner must be at least " 30 '' days in default. I have paided till XX/XX/2020.Even if reported otherwise. 
( 2 ) The repossession company must notify the registered owner in each step of the repossession. 
( 3 ) The repossession company can adjust payment agreement and return the vehicle to the owner. 
CONCLUSION So if not in defult and XXXXnot notified, it must be considered as wrongful repossession and may be required to have court judgment to reposses in Nevada XXXX 
Contracting creditor beauros or the company failed to solve the issue. 
Best Regards

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 2016-07-01
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
I signed up for a balance transfer with Citi a few months ago. I am fully willing and able to make all monthly minimum payments. I did not set up alerts to remind me of the due date for monthly payments - usually companies will send an e-mail or call to remind you that a payment is coming due. The first time I received any form of reminder to pay my monthly minimum on this new balance transfer was from a debt collector. I paid immediately, but noticed a {$27.00} late fee assessed to my account. Citi has been unwilling to waive the late fee, pointing to the terms of my contract. I explained that I understand the contract, but am seeking a goodwill credit because I did not receive any reminders to pay my monthly minimum on this new transfer ( i.e., it was not part of my monthly bill-pay routine, so it is understandable that I forgot about the new account ). I also set up autopay so as to ensure all future payments will be automatically debited. The reason I am contacting CFPB ( and NYAG ) is because I find it to be unreasonable for a corporation like Citi to not remind a customer of an impending deadline to pay their monthly minimum. It seems obvious to me that Citi was more interested in collecting the late fee than they were in receiving the monthly minimum. Please let me know if there is anything you think we can do. Thank you.

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 2022-12-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been using paypal service for all my online business since XXXX, I have not had a serious problem until XXXX. XXXX. XXXX when my transaction hit XXXX which is the maximum the account can transact per month. I was then requested to provide proof of fulfillment, proof purchase from supplier, information about how my business works and then asked a to give more information about 7 transactions that were flagged out. I was able to provide all that, on the morning of XXXX. XXXX I was asked to provide more information concerning 3 of recent transactions to my account. I provided the information, about 7hrs later I received an email saying that my account has been limited permanently. This put me in a lot of distress since paypal is my primary payment method for my customers. Also the money held has inconvenienced my business as well as my family since we depend on that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: WELLS FARGO & COMPANY
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).

The lender has stated multiple reasons for a denial of this loan, including, but not limited to : denied for affordability, or not being able to create an affordable pmt for the loan, and that the client has multiple properties. The lenders reviews have not been consistent with the reason for the denial. the lender has also failed to provide detailed denial letters to the client or our office.

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 2020-06-14
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: Investigation took more than 30 days

Complaint:
i FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
Citi AAdvantage Mastercard XXXX 1. On XXXX/XXXX/XXXX, Received email from XXXXXXXXXXXX offering a 1.99 % interest rate on new purchases until XXXX/XXXX/XXXX. 
2. Within a week of receiving that email, I clicked on the " enroll today '' button in the email, logged in, accepted offer, and the web site said that I was now enrolled. 
3. Full interest was charged in the XXXX cycle ( 22.24 % ). 
4. XXXX/XXXX/XXXX, called customer service, talked to manager " XXXX in florida ''. She said that they have no record of me even being offered that offer, and that instead, I was already enrolled in a promo that ended in XXXX, that I supposedly enrolled in in XXXX. I told her that I did not enroll in anything in XXXX, and that I only enrolled in the XXXX offer. She asked me to fax the emailed offer to her, and that they would get back to me in 1-2 days. 
5. I faxed a printout of the emailed offer to citicards at the number that XXXX gave me, XXXX, with a complete history of the issue, and with a request to call me ASAP, since I was accumulating daily interest charges that I did n't intend. The receiving fax machine ID 'd itself as " Citicards ''. 
6. XXXX/XXXX/XXXX I called customer service to confirm that they had received the fax and to ask what the status was. They said that they had no record of getting my fax. They said that XXXX was gone for the day and that they would email her. They asked me to re-fax. 
7. XXXX/XXXX/XXXX XXXX pacific, I re-faxed the original fax, and the " fax sent '' confirmation from my first fax.

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 2022-01-31
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Why it's so hard to fix credit report errors? The Experian credit reporting agency has been listing 2 different social securities on my credit file. One social security belongs to someone else. I disputed the same issues a long time ago. They deleted someone else 's social security, and then they added someone else 's social security number again. 

I have also been disputing the error from XXXX XXXX ; unfortunately, it's not getting corrected. 

1. The Experian listed duplicated negative marks to my credit file. Same account numbers with different amounts. And it has been reaged. 

2. I disputed an error about XXXX XXXX XXXX remarks on my credit file that the car loan account was over due in XX/XX/XXXX. This account was never late since XXXX XXXX and I agreed with the news Settlement Agreement on XX/XX/XXXX. The amount listed on my credit report is not the amount shown on the new settlement agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-11
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a XXXX checking account based on an offer indicating that I would get XXXX thank you points ( apx XXXX dollar value ) upon meeting requirements. I met the requirements and confirmed XXXX separate times that I had the offer attached to my account and that I had met the requirements. 

After waiting nearly 4 months ( and paying fees ), I was told that I would not get the points because I was not targeted. This is ridiculous as I entered the promo code when creating account and confirmed with representatives that it was attached to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-08
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a citigold checking account in XXXX with a XXXX XXXX XXXX miles promotion. I have sent several emails to get these miles posted within XXXX months ( XXXX XXXX ). Now it has been over a month since the miles should have been posted to the account. Citi is still taking out a {$30.00} fee every month for maintenance which I would like back as there has been no " service or maintenance '' provided other than secure messages telling me to wait longer. Attached are several XXXX screen shots.

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 2021-10-03
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: Information belongs to someone else

Complaint:
I sent in documentation to Equifax, XXXX, and XXXX that they received on the XXXX of XXXX for them to correct my credit report due to fraud. I sent them another letter on the XXXX of XXXX since I hadnt heard anything back from them and now here on the XXXX if XXXX still nothing. They had 30 days to correct my information and have failed to correct it still.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: Navient Solutions, LLC.
State: GA
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:
I have contracte d Navient for over one yea r. I lost my   XXXX   XXXX   in  XXXX  of  2016 . I sent confirmation of this and my  2016  IRS approved  XXXX  and my current income. Navient has not offered ANY assistance and continues to send me past due communications. They list my current monthly bill at {$950.00} which represents over 89 % of my discretionary income. I have been paying {$240.00} which is above the 15 % max. allowed by law on my loans and have been making monthly payments for over 28 months straight. I will be  XXXX   XXXX   XXXX  in  XXXX  and have contacted the  Attorney Generals Office ( which has a current law suit with Navient ) because of the same issues I 'm experiencing. This company has no desire to work with any of its borrowers. They push you to take a 45 day forbearance which is nothing more than a bandage on the issue- not a solution. Navient does not honoring or even entertain " the income based repayment options '' offered by the Department of Education ( which I have filed and sent the back up documentation to Navient - twice - ( which they ignore ). I would greatly appreciate your help in getting this Loan provider to follow the current laws and options on student loan rep ayments.    XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation