BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In XX/XX/XXXX, XXXX XXXX XXXX XXXX collection accounts was deleted on my credit consumer report from XXXX and XXXX per my dispute request. TransUnion refuses to remove these negative XXXX accounts to present. After multiple certified mail attempts TransUnion and XXXX XXXX XXXX will not verify or validate these collection accounts. XX/XX/XXXX debt validation and debt verification letters were sent certified to both companies and again could not provide any information to prove this debt. Today is XX/XX/XXXX, my rights have continously been violated. I have all documents saved for legal purposes if necessary. Attached are pictures of the deleted accounts. As stated, I have all records for legal purposes if necessary.

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 2015-12-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX XXXX, 2015, XXXX payments posted onto my Capital One credit card. I only authorized XXXX of these payments. After speaking with XXXX, a manager, on XXXX XXXX, she stated that they would go ahead and perform an expedited funds transfer back to my payment account for XXXX of the payments. This transfer was to take 2-3 business days. I confirmed that this request was put in when I called back on XXXX XXXX and spoke with XXXX, another account supervisor. She assured me that the funds would be in my payment account no later than XXXX XXXX. It has now been four business days ( XXXX XXXX ) since the request has been submitted. The funds have not been transferred and the payment has yet to be reversed off the credit card account. My financial institution clears all incoming ACHs around XXXX EST. When I called Capital One on the morning of XXXX XXXX they stated that there are no account supervisors to further discuss the delay in these funds being transferred. Once again I confirmed the timeframe of 2-3 business days and she said I was correct. XXXX XXXX is a federal holiday and then the weekend follows, which will further delay these funds being transferred since there are very limited kinds of ACHs that may or may not clear on these days. I was told to call back in a few hours when an account supervisor will be available to assist me since the regular customer service representatives have no further information to pass along. I received the normal apology and empathy from the representative that all customer service reps are trained to display, but received no further information than the payment was still applied to the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-13
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Refused to agree in writing that account would not be reported on credit report if paid in full by the XXXX. Paid in full by the XXXX and per the recorded conversation with XXXX and her supervisor. The account was reported on my account in direct violation of our agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
i applied to my bank for approximately the last 20 years capital onebank for a used car loan of approximately {$10000.00}. now I have acredit rating of about XXXX, had over {$30000.00} in my capital oneaccounts, had about {$12000.00} left on an original mortgageof {$130000.00} on which I had made additional principal payments onsince its origination. I was insultingly rejected for a car loan forreasons that made entirely no sense at all XXXX being " too manymortgages '', when I have XXXX and only XXXX and had not had another inabout 30 years. I went to my local capital one bank who could notunderstand the reasoning for rejection just as I could not. it made nosense. even brought it to the manager while I was there and hecould not make any sense out of it, but also acted like he couldcare less. it was after all. only a {$10000.00} loan. well I could not carethen what bank I did my banking with either and told them I willwithdraw all my assets from capital one. I came back a week laterand did just that. the representative asked me why and needless tosay I gave him an earful. I still ca n't believe they would let a 20+year loyal customer just walk for no good reason, but they did. 
I reported this to the division of banking or whatever and alsoconsulted legal that 's how insulted I was. I now have XXXX and very happhappy but still bitter at my treatment by capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card
Issue: Delinquent account

Complaint:
I am under the impression that Capital One is reporting XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX as late payments incorrectly. Also the balances at that time may need to be verified. PLease provide proof of the balances and deliquecies for that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
XXXX  Alumni of  XXXX   XXXX  seeking guidance on how to get help. Owing more than {$30000.00} in student loans themselves, plus an additional {$20000.00} in additional fees totals more than {$50000.00} in debt. I spoke with financial aid on multiple occasions trying to find other options to pay for school, was misled on every instance. I feel as though the financial aid that I received was pressured upon me with little to no information. I am now a parent, struggling to support my family in a field that is not related to my major what so ever, as I am unable to find a job with my degree from this school. I have tried to seek help with repayment programs, but every possible option leaves me unable to provide for my family as the payments are more than I could possibly afford, roughly {$320.00} a month. The IRS has taken my entire tax refund the past two years, adding up to over {$3000.00} applying them to my student loan which is in default. I am currently making monthly payments of {$5.00} to start my process, and have been for the past 6 months to try to be able to avoid the IRS taking my entire refund this year. This was unsuccessful and it seems as though I wont see a refund for a very long time. Please help, I have no idea where to turn and the institutions set in place to help me with repayment have not provided me with any other information, even when asked for, to help my situation. I paid {$930.00} in student loan interest in   XXXX  , alone, and do n't even get me started on my c redit score ... I need help ... fast.    Thank you for your time and for your efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Ditech Financial LLC
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I recently sold my home and closed my mortgage account with Ditech. I have been waiting since XXXX for my refund escrow check. It has been reissued to me about 4 times now. Every time i call, they either say I have to wait 30 days, don't have a record of a recent request, or refuse to transfer me to a supervisor because they are " all busy ''. They put me on hold for long periods of time, and only when i speak again they say they figured it out. It seems like they legitimately put me on hold for as long as I will allow. 

This last time I called, end of XXXX, they " reissued '' my check, said it would be here by XX/XX/XXXX. I called again around beginning of XXXX/last day of XXXX, and a new rep said I would receive it by XX/XX/XXXX. I called TODAY, the XXXX, to make sure it was sent out, and the rep said I never requested a new check, the last time was XX/XX/XXXX and they never put a stop payment and there is no other history of my call. 

I'm getting really annoyed and very frustrated as i keep running in circles and it's a decent amount of money that I would like back. 
Half the time, it is ( and sorry ) a foreign person who doesn't speak English well, and keeps trying to FAX or EMAIL me refund check, which, lol, you can not deposit an email. 

This call currently is running 40 minutes and counting and I still can not get through to a super or anyone higher. The rep puts me on hold to look for someone, until i start saying " hello? '' and then says sorry, everyone is busy, i can email the supervisor though and no, you can not be copied on the email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
Macy 's credit card did not send statements to me and then Macy 's Credit Card services reported me to XXXX and XXXX for delinquency and my XXXX XXXX suffered. When I asked from Macy 's Credit Card for proof of mailing of credit card statement, Macy 's credit card could not produce one and removed delinquency from my account, however another department of Macy 's reported me again, and sent an email to me ( attached ) stating " Under the Fair Credit Reporting Act, we are obligated to report account history based on factual account data. Standards established in the credit industry ensure integrity of data and uniform communication between credit reporting agencies. ''

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 2017-09-11
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:
THERE IS AN UNKNOWN 30 DAY LATE REPORTING FALSELY ON MY CREDIT REPORT FOR XX/XX/2017

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 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : 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 2022-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
UPDATED INFORMATION FOR MY COMPLAINT NUMBER 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 2022-05-13
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened a Citibank account a couple of months back. Before opening the account I informed the bank agent that my sole purpose for opening the account was to receive my EIDL payment from the XXXX. I was not told, informed or advised to open a business account. I asked several times to make sure that the funds would be deposited without a problem. About twXXXX months later I was contacted by XXXX and they gave me a list of XXXX questions to ask my bank. I called citibank on XXXX separate occasions and ask the questions. They responded and assured me everything would be fine. Once I received the funds I began to buy the products I needed to get my business going and paid and made payments on credit cards I had been using for my business. That same day I went to a branch to take out some cash more than the ATM would allow. There I was told I can not take out funds from there because I didnt have a business account. I immediately got back in the phone with Citibank and I was assured that my account was fine and good to go. The agent on the phone then advised me to go to another branch. On my way to the next branch I stopped at a store to get something when I realized my card had been shut off. After that I got back on the phone with Citi. I was told to wait. A 24-48 hrs for them to verify. After 48 hours I called back and was told to go to a branch with all of my business documents ; that once I went to the branch with my documents the block on my account would be lifted. So I took my documents into the branch. Once I submitted the documents I was informed that my account would be closed. None of the credit card payments were able to go through. That is so unfair. I followed every protocol. While on the phone and speaking to many different agents they all told me different things and they were all inconsistent. Its unfair I feel defeated and my business is taking the hit for it. I feel helpless and I dont know where else to turn. Every time I get through on the phone with a specialist they would just hang up the phone with out any real reason. Please somebody help me. I am a mother of XXXX trying to make a way and get ahead in life and its unfair that a company can just hold funds that belong to me without me being able to do anything and with no real solid explanations. I provided all the necessary documents to prove my business.

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 2017-05-21
Company: Michael Wayne Investment
State: VA
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:
In   XXXX   I turned my car over for voluntary repossession  ro Michael Wayne Investments. Since then I had not heard anything from the company. I do n't know if the car was   auctioned and if the so what the balance was remaining if any. In,  XXXX  of   XXXX   the civil suit for the amount of  XXXX  in which at the times I disputed to the company in writing but the letter was unanswered. Now, they are garnishing my paycheck for over  XXXX  but I did n't receive anything in the mail about the garnishment only when my job informed that the money was going to be taken out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: GOLDMAN SACHS BANK USA
State: MA
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:
I disputed a charge on XX/XX/2020, on XX/XX/2020 I contacted the company to request they stop the dispute process. As of XX/XX/XXXX I am still not being allowed to make payments as they claim the dispute process is still on-going. I have contacted the company many times and nobody is able to provide insight or help me make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Experian Information Solutions 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:
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/XXXX. All negative items reverted from a dispute status to " Verified, '' however, I received no response stating how this information was verified. I then mailed a second verification letter, ( USPS shows it was signed for on XX/XX/XXXX, I called to ask why my accounts were not in a dispute status. The woman i spoke with on XX/XX/XXXX advised me that my letter had not been received ), asking them to prove to me how this was verified. The crazy thing is, I contacted all of the collectors listed on my report requesting them to Validate this erroneous information. I received No response from most of them. I received a letter from one company stating they " CAN NOT LOCATE '' the accounts listed on my credit report. I received another letter from a different collector listing SOMEONE ELSE 'S MEDICAL RECORDS! I have given well over 30 days to respond regarding my dispute verification with no proof in sight. How is it possible for them to continue reporting CLEARLY Unverified, Invalidated, AND Inaccurate information to 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 explanation
Consumer complaint received 2016-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX - XXXX XXXX/XXXX/XXXX Capital One Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : Credit Card # XXXX Dear Capital One, I am writing to you today regarding my credit card account # XXXX which I had since XX/XX/XXXX. The purpose of my correspondence is to see if you would be willing to make a " GOODWILL ADJUSTMENT '' on the reporting of this account to the XXXX major credit agencies I requested several times by mail general correspondence date on XXXX/XX/XX/XXXX/XXXX XX/XX/XXXX and XX/XX/XXXX ( letters attached ) and Consumer Financial Protection Bureau on XX/XX/XXXX and XX/XX/XXXX ( letters attached ) But all the times my request has been denied. I have a XXXX active accounts good standing, Accounts numbers are XXXX and XXXX. 
During the time period this account was established I had was very happy with the service. I am writing to requests again and again please help me out to removed late payment on XX/XX/XXXX. 
I really enjoy business with your company and hope to continue a satisfying in the future. Please make in to consideration my loyalty to your company and work with me to remove these negative marks from my credit reports. 
I look forward to hearing from soon Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
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 information incorrect

Complaint:
XXXX/XXXX  violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX/XXXX  reported to the Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.

Company response to consumer: Closed with explanation