BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-31
Company: CITIBANK, N.A.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a Citibank Credit card that was included in a discharged bankruptcy. I accidentally made a payment to that closed account through online banking. I am XXXX and sometimes have trouble with my XXXX. After the money was taken from my account I spoke to the bank and found out what happened. I immediately contacted Citibank and was told that XXXX XXXX XXXX was had the account. I contacted them and was told that they had not received the money from Citibank yet but that I would need to fax a refund request to them. The funds came out of my account on XXXX/XXXX/15 and I faxed my request for refund on XXXX/XXXX/15. I made numerous follow-up call checking the status of the refund. I was finally told that the funds were received from Citibank and that in order to process the refund that I need to fax proof that the funds had been taken out of my bank account. I faxed a copy of my bank statement showing the debit on XXXX/XXXX/15. I called back a few days later and was told that it had to be sent to a supervisor to process. I continued to call and was told that they would email the supervisor to follow up. On XXXX/XXXX/15 I called and was told that usually any payments received are considered voluntary payments and may not be refunded. I explained that I a m XXXX and on a limited income and that this was part of a bankruptcy that was discharged and that the debt was no longer owed and that I had received my form to show the bad debt on my taxes and that I would not make payment for a debt I no longer owed! I was to that a follow up email would be sent and to call back on XXXX/XXXX/15. I called back to find out when the refund would be made and was told that the supervisor said that it would be considered a voluntary payment unless I could prove that a third party made it. I asked to speak to the supervisor and was told that she was busy helping another customer but that she would send her an email letting her know that I would like to speak to her. I was transferred to a voice mail and left a request for a return call. I have not received a call back and based on the past XXXX moths experience has no confidence that I will hear from anyone at the company. 
I have been mislead the entire time and forced to disclose my personal information in an effort to recover money that Citibank nor this company is entitled to as the debt has been charged off and cancelled by the discharged bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
I am consumer writing this without the assistance of any third party. This is my understanding and account of the instrument attached in this complaint with the Bureau. Promissory Notes are negotiable instruments according to UCC 3-104 ( b ). 

XXXX XXXX XXXX XXXX, who in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis, helped me finance a credit sale. The took place XX/XX/2021 I was given a purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who in this case is XXXX XXXX XXXX. 

Attached is my consumer credit contract. This instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale. '' This instrument was electronically signed by me the consumer on behalf of an individual. 

Pursuant to 16 CFR 433.2, It is unfair and deceptive for XXXX XXXX XXXX  to directly or indirectly take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

In careful review of the instrument, this notice was absent, willfully. This means this is unlawful pursuant to 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

Pursuant to 16 CFR 433.3, this contract cuts off my right to assert my claims and defenses because it did not include 16 CFR 433.2 which is unlawful. This is not my obligation. In addition, I did not know it was possible to pay on a positive balance which is what XXXX XXXX XXXX mislead me into doing. 

All Consumer Reporting Agencies claimed this has been verified by XXXX XXXX XXXX however, I am requesting a complete and accurate disclosure of the nature and scope of the investigation. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. This is pursuant to 15 U.S. Code 1681d - Disclosure of investigative consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a partial loan modification with Citizens Bank on XX/XX/XXXX. I was told it would take approximately 30 days to review and approve. On XX/XX/XXXX I called to see if any new information was available and was told my application was in review. I called again on XXXX and was told they showed no application on file ... would I like to submit. I have now called two more times to be told that my application submitted on " XXXX '' is still in review. 
My forbearance reached the 18 month deadline on XX/XX/XXXX. 
I believe Citizens purposely held my application back so that my forbearance would end and my credit history would be severely damaged. I feel this was malicious and not a limited information or labor issue. 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: NY
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:
Car loan was taken out in XXXX the car was a XXXX and the loan repoed in XXXX and i have paid the reaming balance off but they will not update 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 2016-12-30
Company: LOBEL FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Made a purchase with lobel bank month after purchasing the car the transmission and starter went out contact lobel and asked for a defrred payment cause the cist of repairs was XXXX which the XXXX value of the car was XXXX was met by very rude reps made a payment on XX/XX/XXXX car was repo on XXXX called to ask how much to get car out was told had to pay the full amount after being told by diffrent reps that they would tell me the fee to get the car outbeen transfered many times put on hold and hung up on

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: CITIBANK, N.A.
State: TX
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 name is XXXX XXXX, I'm writing to Complain about Macys Credit card I recently bought a new house and during closing, the Borrower closing requirement is to present a Cashier check paying off my credit card debt, XXXXXXXX XXXX XXXX XXXX Texas send my Payment to Macys, The Amount of {$8800.00} on XX/XX/2022, Macys received the Check and Cashed it on XX/XX/2022 but failed to update my account till this present Moment, Macys Continue to report my Credit Usage as High, Charging me Interest rate on a debt that has been paid, all effort to resolve the issue with Macys prove Abortive. 

Attached is the Copy of the check front and back that indicate Macys City Bank cash the check on XX/XX/2022 This has cause my credit score to go down and prevent me from buying car, because i will be paying High Interest rate with Low Credit Score. 
I have called Macys Several times with No result, i have submitted a Dispute no response.

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 2020-06-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased two tickets for a flight on my Chase credit card using Chase reward point and charge to card. 

The flights were cancelled. 

In XXXX I contacted the credit card issuer to provide a refund. Despite numerous calls this has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Professional Credit Management, Inc
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Professional Credit Management did not provide adequate verification of debt in question. No documents were provided showing a signature or contract.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We agreed to a loan modification with Ocwen Loan Servicing , LLC . Our Relationship Manager, XXXX XXXX, was very professional and helpful. Each conversation with him was recorded. He kept us informed every step of the way. He assured us that we would have no balloon payment. He repeated several times that our loan modification was approved without a balloon payment at the end ; the numbers were computed with a lower interest rate. None of XXXX XXXX 's paperwork for our file showed this balloon payment. However, Ocwen has tacked a balloon payment on to our loan despite our being reassured that it was not applicable. Our Relationship Manager has repeatedly requested that the balloon payment be removed from our account. He has gone through every channel he knows, without success. Our conversations with our Relationship Manager were recorded. We are both XXXX and, with current lending guidelines, are unable to refinance to get rid of the balloon payment, or even obtain a loan to pay it. We recently learned that CFPB could help us in this matter, or we would have turned to you much sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: CA
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:
I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 2 months and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance : {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: CA
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:
I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 2 months and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance : {$10000.00}.

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 2022-07-23
Company: EQUIFAX, INC.
State: CA
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:
Once again, these inquiries were never mine neither did I authorized anyone to inquire these in my behalf. I previously disputed these inquiries through written letters as well as submitting CFPB complaint regarding these matters. I thought that these inquiries were already removed since I have been sending dispute letters to remove these, but I was proven wrong. How many letters do it takes to remove these inquiries from my Credit File and have the Credit Bureaus attention regarding these matter? I am frustrated to see that the Credit Bureaus ignored my letters as well as did not comply with the FCRA section 605b. Right now, I am submitting this complaint to protect my rights which is violated by the Credit Bureaus. I need the following inquiries deleted immediately : 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 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
The issue here involves a dispute that was filed on my Citi Preferred card. This was in regards to a merchant I was dealing with XXXX. I charged a bedroom set of furniture from XXXX and also a delivery and set up charge all on the credit card. XXXXl delivered an item broken and I refused the item and requested it be delivered at another time. XXXX failed numerous times to deliver the item per the agreements that we had. After a couple of attempts, much customer dissatisfaction, and no help from the merchant I chose to pick the last item up myself. The agreement of ALL items delivered and set up was never satisfied. I disputed the charge with my credit card issues for " Services Not Provided. '' This situation clearly met the intent of XXXX 's charge-back guidelines for services not provided. After more than 120 days of the disputes, Citi has inexplicably decided to rebill the delivery charge to my card and refuses to work further with me, stating that all future dispute is to be directly with the merchant. I believe that Citi has not acted appropriately with the dispute and is not meeting the intent of the XXXX charge-back guidelines and not meeting the intent of Regulation Z. As a result this merchant is receiving compensation for a service they did not provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that this account were ever disputed. That is a violation and this account needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that this account were ever disputed. That is a violation and this account needs to be deleted.

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 2016-11-16
Company: Alliant Capital Management LLC
State: SC
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I took out a loan with XXXX and was making my payments on time and never missed a payment up until the time I fell on hard times and loss my job. I then ask them to stop debiting my checking account on the date they were taking it out. I ask the company if they could work with me and change my due date but they told me they could not because I did n't have enough funds to renew my loan. I explain that I did n't want my loan renewed I just simply needed my date change because my pay period had change because I change jobs with lesser income. Myself an my husband had an acooutn with this company but they were not willing to work with us. XXXX is a member of the community financial services as a member they agree to offer an extended payment plan to consumers but this was not offer to my husband and I and the change of the date was not offer to us. So after stopping the payments to be drafted out of my account I no longer heard from the company, now today XXXX I get an harassing call from XXXX telling me they are placing a claim against me and the original creditor was XXXX. So I asked XXXX XXXX when he called me from a south Carolina number could he send me correspondence in the mail about this debt so I can look over the amount and see if this is correct and they I can get back with him. XXXX XXXX then gets loud with me and told me I had enough time to get in contact with him to settle the debt I then told him me or my husband that the account was sold to them and I would need to look over the debt before I made a statement. XXXX XXXX told me that he would do what he had to do and good luck. I said ok sir. XXXX XXXX then calls back 5 minutes later and says mam what exactly are u going to do. I said sir I ask for correspondence in the mail about this debt and within 30 days I will give you a statment. XXXX XXXX was loud and not willing to work with me, so I ask that he did not call be back. XXXX sold our account to this XXXX XXXX XXXX and I was not aware and they never offer us any payment plans or anything during our financial hard time. I want the calls to stop and the account be written off due to lack of communication from XXXX and not offering us any type of assistance to help us with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am a XXXX percent XXXX military Veteran who applied for the student loan forgivenessXXXX program. I got a letter in XXXX 2011 from the XXXX, stating that my request to receive the forgiveness/XXXX was approved. I later receive a letter from XXXX that the request was approved. I was refunded of the amount I paid on the student loan on XXXX XXXX, 2011. 
Months later I looked at my credit report and see that the loan was reported as being late 120 day by TRAN UNION. Based on my understanding, under the XXXX XXXX, a veteran who seeks federal student loan forgiveness if they receive a XXXX XXXX rating by the XXXX should not be penalized with bad credit. Since I received a discharge based on VA documentation of my XXXX, my credit report should show that I no longer owe the loan, not that it was " assigned to government '' for monitoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: Empowerment Ventures, LLC
State: LA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
My rush card been inactive status over 11 week please help My cell is XXXX XXXX XXXX XXXX La XXXX XXXX XXXX XXXX XXXX please I have XXXX babies if my lights go off the state gone take my children and possible eviction

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-17
Company: 2288984 Ontario Inc.
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I took out a loan with Money Key for {$1000.00} in XXXX of 2016. I became delinquent on the loan. I recently pulled a credit report and found that I had a collection account reported on my credit file from XXXX. I never received any communication from XXXX XXXX that the debt was being handled by them not any information on how the amount got to {$1700.00}. I contacted XXXX who advised that they sent a notice in XXXX 2016. I advised them that I never received any communication.

Company response to consumer: Closed with explanation