BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-17
Company: Experian Information Solutions Inc.
State: FL
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:
I have sent multiple disputes regarding credit inquiries that are showing on my report. I have not received any response and no actions have been taken to correct these errors.

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 2019-11-22
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The complaint that we filed the last time was closed, but we are still receiving erroneous collection letters and debt collector telephone calls from Loancare. This is contrary to the letter response that Loancare sent to CFPB. That Loancare letter stated that our account has been updated to non-delinquent status since XX/XX/2019.

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 2017-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX/XXXX/17, I noticed that my Transunion credit report showed that I had missed one of three payments. The missed payment was from XXXX. This account should 've been deleted from 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 2022-02-28
Company: National Credit Systems,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:
XX/XX/2022 I've been reaching out to this company to remove the alleged debt from my consumer report. While I'm in the process of reaching out to the company they never gave me any supporting documents nor written authorization that I started the debt. Every time I try to communicate with this company to dispute the debt they send me price reduction. The company National credit systems keeps sending me reduce prices of the debt instead complying with my request or showing me proof of the debt. I had the same account on my XXXX and it's still reporting to the other XXXX consumer agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: Lending Club Corp
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I called today to make this company aware that I have had a personal emergency occur and that while projecting my budget out over the upcoming few months taking into account this emergency, I can foresee having challenges meeting the monthly amounts. I asked if there was a way to reduce the interest, refinance the loan, or restructure, even if only temporarily, the loan. I was told no and worse yet, offered few to almost no options. I asked what the company did for people having trouble paying. I was told short of adding an additional $ XXXX to a new loan ( while paying off the current ) and hoping I could score a lower interest rate with the new loan without guarantee, the only other option was to defer one month 's payment in the current loan, and suffer an 'internal late fee. ' I am proactively trying to work with ALL of my creditors, my mortgage company included, in letting all know I am meeting with hardship. I am letting all know two months out before I believe I will be hitting this wall I see myself approaching. I am also a single-income household which makes this all the scarier. Why then, would they not work with me? Can I be the only person experiencing this with Lending Club? Not one time did I suggest walking away from this obligation. At a 25.9 % interest rate and knowing what I know now, I never would have entered into this agreement with Lending Club. I question whether their tactics and practices are even legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I attempted to close a checking account with Citibank around XXXX 2014, withdrawing all funds. I have recently learned that following my attempt to close the account, Citi did not close it and continued to charge me fees on the account without my knowledge. This accumulated balance of {$190.00} was eventually transferred to a collections agency, charged-off by Citi, and reported to credit agencies, adversely affecting my otherwise strong credit score, all without my knowledge. Once I learned of it, I attempted to explain and resolve the situation with Citi but got no where, as Citi said they no longer had information on the source of the charge, and it has proven impossible to get to the bottom of this. I recently paid the amount to the collections agency in a belated attempt to fix my credit score, having given up on any hope of getting Citi to correct their error after hours of attempts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XX/XX/XXXX Citi Cards ( Citibank N. A. ) sent my credit card to an unknown address. I had all cards in my possession and had early warning and notification for any activity. In which I always received warnings for purchases I made on my own card. In this case there was no notification of sending a new card to a XXXX party address. The XXXX party charged approximate {$5000.00} cash in $ XXXX increments. This should have been a huge red flag with notifications to me. Now I want to sue Citibank N.A . in Ca. in XXXX XXXX, however seems to be a discrepancy with the address for process of service. Nothing on the XXXX of state site for CA. Now in XX/XX/XXXX Citibank has sold the fraudulent debt to XXXX XXXX. What can I do to Resolve this fraudulent account on my credit report? 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Billing statement

Complaint:
I had been using a Best Buy card, provide by Citi, and somehow became two months behind on my payments. They then called my mother, told her my balance, and allowed her to pay on it. I was under the impression that they could not do that. I 'm XXXX, and have no information regarding my parents or their contact info.

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 2015-12-15
Company: CITIBANK, N.A.
State: DC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I noticed XXXX fraudulent transactions posted to my Citibank line of credit. I first reported the discrepancy on XXXX XXXX, 2015. The XXXX transactions are posted as transfers from my line of credit, in the amount of {$500.00} each, to my checking account. 

On XXXX XXXX, 2015 I requested an investigation. I informed the Citibank representative that the transactions are posted as transfers to my checking account, from my line of credit. The representative informed me that the transactions are posted as teller withdrawals on their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: Media Collections, Inc
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 is not mine

Complaint:
XXXX insurance company is charging me an extra month of coverage that I did not used. The collection agency asked me for proof I had insurance coverage through another company to discard the claim, and I sent it to them XXXX. The agent said that if I did n't hear from them in the following two weeks it would have been cleared and two months later they started harassing me again. They once again asked me for proof, I sent it, they confirmed that they had received it and now they started calling me again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: Plastiq Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I authorized plastiq to withdraw {$3000.00} from my credit card to send a money order to my apartment complex. My apartment complex never got the check and I cant get in contact with plastiq to return the money to my credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Personal information incorrect

Complaint:
CAPITAL ONE, I WAS DENIED FOR CREDIT CARD I READ THE DECISION WAS BASED ON AND BY ALL THREE MAJOR CREDIT BUREAUS AND ANOTHER CREDIT BUREAU NAME XXXX XXXX XXXX XXXX ( WHAT IS THIS XXXX XXXX XXXX XXXX. I THINK THAT COULD BE THE COMPANY THAT HAS ALL MY CREDIT IN RED THAT WAS PART OF THE BANKRUPTCY THAT IS DEROGATORY COMMENTS OF BEING 14 LATE PAYMENTS ON CREDIT CARDS THAT ARE NO LONGER MY RESPONSIBILITY SINCE MY DISCHARGE IS IN 3YRS COUNTING DOWN FROM THE BANKRUPTCY CHAPTER XXXX. CAN SOMEONE LOOK INTO THIS SINCE I AM PLACING MY ADDITIONAL COMPLAINT CURRENTLY CAPITAL ONE DENIED ME BASE OF XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER INQUIRY DEPARTMENT. 
BASED ON DELINQUENCY AND DEROGATORY PUCLIC RECORD OR COLLECTION FILED BALANCE CREDIT LIMIT TOO HIGH LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED NUMBER OF INQUIRIES BY XXXX, HOW CAN THIS BE I ONLY HAVE BANKRUPTCY, NOTHING LATE AND SHOULD NOT HAVE ANY NEGATIVE MARKINGS, NOR COMMENTS. 

THAN THE FRONT OF THE LETTER BY CAPITAL ONE IN ADDITION TO THE ABOVE REASONS ALSO STATES : bASED ON YOUR CREDIT REPORT FROM ONE OR MORE OF THE AGENCIES ON THE BACK OF THIS LETTER, CREDIT BUREAU INFORMATION IS UNAVAILABLE BECAUSE THE APPLICANT WAS DETERMINED TO BE A MINOR?? BY THE CREDIT BUREAUS?? I NEED CFPB TO LOOK INTO THIS WHAT IS GOING ON I CAN NOT BELIEVE HOW MUCH TIME AND YEARS I KEEP HAVING NEGATIVE COMMENTS AND ALL THE CREDIT BUREAUS CONTINUE TO NEVER BE ON THE SAM UPDATES OF PAGE. ALSO XXXX OR XXXX HAVE MY NAME AS XXXX XXXX XXXX WHEN I LOOK ON LINE VIA THE XXXX XXXX., MY NAME IS XXXX XXXX THAT IS IT! 1 I SENT IN SO MUCH AND CALLED AND SPOKE TO MANY TO PLEASE CORRECT MY NAME ON EACH CREDIT BUREAU EVEN THE XXXX XXXX WHICH I NEED TO KNOW MORE ABOUT THIS AND WHY THIS APPEARS ON AND OFF MY CREDIT REPORTS. THIS IS WRONG.. THAT IS WHY I HAVE SO MANY INQUIRIES THIS IS WHY I KEEP APPLYING AND WONDERING THE DENIALS ARE SOME WHAT THE SAME REASONS, BUT THAN I GET ANOTHER DIFFERENT REASON? THAN I HAVE TO ASK WHY.. PLEASE I AM FIGHTING TO KEEP MY CREDIT CLEAN, THIS IS NOT RIGHT!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Billing statement

Complaint:
I just sent this to Macy 's but hope you will follow up too! 

XX/XX/XXXX To : Macy 's XXXX XXXX XXXX, OH XXXX From : XXXX XXXX Customer Dear Macy 's Customer Service, I have been a credit card customer for around 6 years and a non-card customer prior to that. I recently received a bill with a {$27.00} late fee. I double checked my online credit union bill pay which showed that my payment in fact did arrive on the due date, XX/XX/XXXX, on the bill I received in the mail. 

As I was busy, I went ahead and paid the balance and late fee, intending to call later. My balance was XX/XX/XXXX was now {$98.00} which included a {$27.00} late fee. But because I 'd learned earlier that customer service ca n't give an exact amount owed due to interest, I rounded off to {$100.00} and paid the bill. I noticed a message popped up on the Macy 's bill pay saying that in order to arrive on time I now had to send in the payment 4-5 days earlier, similar to sending a check in the mail. I did so, but was stunned that Macy 's would be so unethical. NO OTHER credit card company I use does this. In addition on my bill it states this : Late Payment Warning : If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to {$37.00}. 

My XX/XX/XXXX payment had in fact arrived on the date listed but I was assessed a late fee. Then I got a bill XX/XX/XXXX with an {$.00} balance. So I called. Customer service removed the {$27.00} late fee minus the {$.00}. I will receive a credit but my concern is the short billing period to pay and the ability for Macy 's to make tons of money off unsuspecting customers using bill pay. 

I plan to cut up my Macy 's card after receiving the credit as I do n't ' want to support what amounts to " Gotcha Capitalism '' and to warn friends. I 've been hopeful that regulations would fix credit card issues but this is discouraging. I really enjoyed shopping at Macy 's but this is in my mind, unethical and I can not support it. I 'd be interested in knowing how much money Macy 's makes with this policy and fear that if customers do n't complain, other stores will follow your example. 

I would appreciate a response. 
Thank you, 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 monetary relief
Consumer complaint received 2015-05-05
Company: CITIBANK, N.A.
State: LA
Product: Credit card
Issue: Billing disputes

Complaint:
Now I think I have heard it all from Citi. They are refusing to work on a dispute with a fraudulent merchant that did not provide product or services because I paid off the balance owed on my credit card. You are XXXX if you do and punished if you do n't. This is totally unreal the type of bull that a bank can do and get away with it. I am screwed out of thousands of dollars and now this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: PlusFour, Inc
State: CA
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:
Recently reviewing my credit report, I noticed these accounts are still being reported inaccurately. I have sent them correspondence disputing this inaccurate information. PLUSFOUR INC has failed to provide me with a copy of any viable evidence, bearing my live signature. I have never done business with PLUSFOUR INC, nor have I signed any contracts with this company. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It it is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a consumers Credit Report. I am requesting PLUSFOUR INC delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX, XXXX, and XXXX directing them to REMOVE this erroneous entry as well.

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 2016-06-29
Company: CITIBANK, N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello, After opening up a Citigold account for the promotional offer of XXXX AA miles, I visited a local branch to verify that by using the promotional code given to me and meeting the account requirements, I would be awarded the XXXX bonus miles. I am well past the 60 day requirement to issue my bonus, and I have confirmation documentation via Citi online chat that confirms I opened the bank account with the promotional offer in a valid fashion and that I have met the requirements, therefore I would be rewarded the points by late XXXX. Since that period I have requested the miles three times, being told that I would receive the miles within two business days.

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 2015-12-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a bank account with Wells Fargo that I opened in Washington XXXX in XX/XX/XXXX. I have been more or less employed since then. I was working in XX/XX/XXXX and have not worked for the past three months. I ran into problems when my Washington State Unemployment ran out and I had to apply from XXXX. They made me wait three weeks for my {$270.00}. I ran into issues with Wells Fargo and overdraft fees when I discovered they would process payments ( ie from Pay Pal ) usually recurring payments when I did not have money in my account. I asked them several times to not pay out money I do n't have and do n't charge me for overdraft fees. They ignored me. Then I would argue with them. Then Wells Fargo decided they were not going to refund any more overdraft charges. Currently I am overdrawn with Wells Fargo for {$500.00} of which almost the entire amount is overdraft fees of {$35.00}. My initial arguement with them started when I asked them to make sure my water bill got paid, and what do you know they did n't pay the amount out and then I got hit with {$35.00} of overdraft fees plus {$30.00} from the water and sewer department. All without a single human hand touching the transaction. I have called Wells Fargo several times until I just lost it and told them XXXX themselves. Now I am on a permanent blacklist. I am so sick and tired of the blame the victims mentality which translates into bullying. {$500.00} from XXXX XXXX is nothing, {$500.00} on {$270.00} unemployment is astronomical. I have been offered a job but I have no idea when that will start so I am pretty much living on payday loans which needs to be another complaint. Its ridiculous to have to pay {$35.00} overdraft fee when this is all processed by computers. If there is anything XXXX XXXX XXXX XXXX has shown, it cost fractions of a cent to process anything by computer. I admit I should not have lost it with Wells Fargo but it was supremely satisfying to tell them off. And in a civilized country I should be able to yell at Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
There are a few transactions at issue, all of which I brought to the attention of Barclay 's XXXX month ago, on XXXX/XXXX/15, and about which I have repeatedly written them, without receiving a single substantive response or explanation for why these charges are on my card. 

First, on XXXX/XXXX/15, XXXX transactions appear on my account. XXXX of them, for ( - {$30.00} ) from XXXX, is correct. That was a merchant refund ( minus shipping costs ) for a {$35.00} purchase I made at XXXX on XXXX/XXXX/15. However, the XXXX transaction listed on my account on XXXX/XXXX/15, a POSITIVE charge of {$30.00} to XXXX, is incorrect. I never made any purchase for {$30.00} on XXXX/XXXX/15. 

Second, on XXXX/XXXX/15, XXXX transactions appear on my account. Again, XXXX of them, for ( - {$42.00} ) from XXXX, is correct. That was a merchant refund for a purchase made on XXXX/XXXX/15, for {$42.00}. However, there are XXXX further POSITIVE charges to XXXX listed on XXXX/XXXX/15 for {$42.00}. This is incorrect. I did not make XXXX purchases of {$42.00} on XXXX/XXXX/15. 

As I stated above, I have tried repeatedly to have this issue resolved. Barclay 's promised me a resolution within 7-10 business days. They did not keep that promise. They then promised to call me to resolve the issue. They did not keep that promise either. I have contacted XXXX and they confirmed that they issued the refunds for ( - {$30.00} ) and ( $ XXXX ), and that there should not be any additional purchase charges on my account related to these transactions ( except for temporary authorizations ). However, the XXXX charges at issue are not listed as temporary authorizations on my Barclay 's account. Rather, they are listed as completed purchases on my most recent monthly statement, for which Barclay 's has demanded payment by XXXX XXXX, 2015. 

To repeat : there are XXXX mistaken purchase transactions on my account, totaling {$110.00} XXXX {$30.00} + {$42.00} + {$42.00} XXXX for which Barclay 's is demanding payment. Barclay 's has failed to provide any substantive response to my dispute of these transactions, except to give me empty promises that they will contact me. I have, to this date, received no oral or written explanation or justification for these charges, despite raising the issue with them multiple times, starting on XXXX/XXXX/15. And finally, the merchant, XXXX, agrees with me that I do not owe the amounts charged. 

I thank you in advance for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-21
Company: Experian Information Solutions Inc.
State: GA
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:
I sent a certified letter originally on XX/XX/2020 challenging the accuracy of a Chapter XXXX reporting on my credit report to Experian. Experian came back as verified. I sent another letter on XX/XX/2020 asking for the Method of Verification. I did not receive the Method of Verification it has been over 15 days and I still have not received the Method of Verification. They reinvestigated and " verified '' the reporting on XX/XX/XXXX but still no Method of Verification. Per my rights, under FCRA 611 ( a ) ( 6 ) B ( iii ) I have the right to that information and it has not been provided. Therefore because they are in violation of my rights I am requesting a deletion.

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