BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-02
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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 



ACCOUNTS : XXXX XXXX XXXX XXXX {$530.00} XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-25
Company: CITIBANK, N.A.
State: NY
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 was charged for a service I did not receive in my Citi MasterCard by XXXX XXXX XXXX XXXX in the amount of XXXX on XX/XX/21 of which I was never given a receipt. XXXX XXXX  XXXX XXXX  XXXX also charged my husband 's Visa credit card XXXX. When he complained to his XXXX XXXX Visa credit card, the dispute was resolved immediately to his favor, based on services not rendered and on a nullified Proposal. I filed a dispute with Citi Cards and complained to youngs water and sewer but they only credited me a portion of that amount and not the full amount. The pending amount was XXXX. I then complained to Citi and there was much confusion given their disputes operate in XXXX and there is a language barrier. In fact, one of their dispute reps stated that there was confusion with the investigators and after speaking over the phone with me helped to clarify. This rep also stated that it would help for the investigators to call but they did not. I made repeated calls to Citi disputes and while over the phone I clarified many times this issue with them confirming over the phone that I am not responsible and that no services or products were ordered, they responded with differing information then closing the dispute claiming I was responsible, then reopening the dispute multiple times. to finally stating that because the merchant refuses to issue a full refund, I would have to pay the remaining {$2800.00} when services were not rendered. Citi has closed and reopened this dispute multiple times going back and forth with me and the vendor who has violated visa and MasterCard rules with making fraudulent statements of services not rendered and products never ordered by XXXX and claims of a restocking fee. Citi after 4 months is now saying I will be charged for the portion the vendor has refused to refund my account ( XXXX ). When in fact I never received any services or products nor have I received a receipt for the charge youngs water and sewer placed on my credit card. I provided all documentation to Citi including the false claims evidence. I never received the final details from Citi as to their investigation and how they arrived at their conclusion given the evidence I provided. Other than the dispute rep stating that the merchant and merchant refuses to refund me the full amount.

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 2017-06-20
Company: RMB, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a Final Notice in the mail today from RMB Inc, stating that I have chosen to ignore their previous communications for a debt collection in the amount of {$670.00} ( for XXXX XXXX XXXX XXXX, ie XXXX XXXX XXXX, rendered on XXXX/XXXX/XXXX ), which is false. Not only did I pay what they said I owed in the amount of {$490.00}, but I promptly corresponded each time I received a notice. On XXXX XXXX, I mailed out a letter to their XXXX address ( at XXXX XXXX XXXX XXXX ) attempting to dispute the validity of the debt, as I contacted their billing offices upon receiving their bill, and in which XXXX XXXX XXXX XXXX stated that they would accept a 40 % prompt pay discount in full in consideration of my uninsured status ( as paid on XXXX/XXXX/XXXX ) ; RMB Inc ignored this letter and sent another debt collection notice. I 'm enclosing proof of payment as well as the bill and email regarding billing, saying it would be resolved. The date of the emergency care was at a time too where, to my knowledge, my XXXX insurance was still active. I am now covered by XXXX XXXX XXXX ( XXXX XXXX XXXX plan ). Thank you for helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Saying I owe {$2.00} in debt actions nothing.

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 2021-05-05
Company: Experian Information Solutions 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 writing this due to non-complaince with the XXXX XXXX  XXXX Experean, XXXX XXXX 
They have failed to remove information that was affiliated with personal details that w ere chalenged in a past. 
I strongly beleve that they are in violotion of the FCRA and are outright refusing to uphold the law Futher more they continue to report late payments on closed and charge off 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 explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent in letter to dispute the following items to all 3 credit bureaus & have not received a response in the 30 day period. I sent my letter in XX/XX/XXXX it is now XX/XX/XXXX. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CFPB + Experian, This complaint is in relation to a credit account this creditor ( XXXX XXXXXXXX XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit 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 2017-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I recently got a Venture credit card from Capital One. I use credit cards a lot for my company and they were advertising the 2 miles for every dollar spent. Since I have several employees that charge corporate expenses, I went on line and ordered additional cards. I got a call today from Capital One telling me they needed further information on all the employees such as Social Security card, drivers license, etc. I told them it was too much of a hassle and to just please cancel my request for the additional cards. Since I am responsible for paying the bill I did n't want to give a lot of personal information on all my employees. I was then informed I could not use the card again until I gave them the information on those employees, even though I was cancelling the request for the additional cards. I told the representative that I would not use the card any further and went on line to redeem the miles because there was a big bonus up front. Well, they wo n't even let me redeem the miles without giving them the personal information on my employees. Even though I do n't want the cards now! Capital One is obviously trying to get information to market to my employees and are holding the miles hostage. I will never use Capital One again as I have been a client for years and always paid on time but am being treated this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted PNC Bank last month and set up 3 payments to get caught up and it was fine - everything was fine. Then PNC canceled the payments without telling me. They called me backed but did not leave a message. Then sent a demand letter this was weeks later. Then when I tried to call to send the payment they refused to take it. Now I have more fees and it is so unnecessary when I had set up to pay it in the first place and PNC is the one that canceled the payments - The loan is demanded for XX/XX/XXXX but they wont take the payment they agreed to take. It is not right and I don't know what to do I would like to pay what I owe in the payments like we agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a conventional mortgage application with AmeriSave Mortgage Corporation, it was handled by XXXX loan originator. 
He pushed me to sign a disclosure every time I made a small tweak to the loan, as one would do while comparing their loan options. Then he pushed me to lock the rate because rates are going up, it was {$500.00}. I asked him if that means Im approving the current loan selection for the moment because I dont want to do that as long as Im evaluating my options, to which he said no. 
A couple of days later, I look over the last disclosure I signed on their portal, to find it has an attached hefty mortgage points, about {$13000.00}. I called him and told him I dont want to pay mortgage points. He said that changes the rate. I asked how come, since I paid to lock it, now he tells me that locking fee comes with fixed exact amount of mortgage points. That was the first time I heard about that. 
When I asked for a refund, he said that lock and shop fee of {$500.00} was an application fee and is nonrefundable. 
He was downright XXXX to me, hiding information, and focused on XXXX that {$500.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Please be advised this is my SECOND WRITTEN REQUEST. I filed a report to Sallie Mae through CFPB that I do not have a balance with them! Sallie Mae then reported the loan was taken out with the XXXX XXXX. Thus, I contacted the university, and confirmed I did not out a private student loan during the one year I attended the university. I attached my financial aid award letter to confirm this information below. Sallie Mae is now informing me that I will have a derogatory mark on my credit report for not paying on the loan on XX/XX/XXXX. However, I am submitting additional evidence that I did not take out a loan with Sallie Mae at XXXX XXXX. Sallie Mae is required under the Military Lending Act ( MLA ) and Servicemember Civil Relief Act ( SCRA ) to remove falsification from my credit report concerning ALL credit bureaus. Furthermore, a creditor can not require a covered borrower to submit to arbitration or other onerous legal notice provisions in the case of a dispute. The statutory amendments to the MLA in XXXX granted enforcement authority for the MLAs requirements to the agencies specified in section 108 of TILA. These agencies include the Board of Governors of the Federal Reserve System, the Consumer Financial Protection Bureau ( CFPB ), the Federal Deposit Insurance Corporation, the National Credit Union Administration, the Office of the Comptroller of the Currency, and the Federal Trade Commission. State regulators also supervise state- chartered institutions for MLA requirements pursuant to authority granted by state law. Implement statutory changes, including provisions related to administrative enforcement and civil liability for MLA violations ( for knowingly violating the MLA, there is potential for criminal penalties ). I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA, MLA, and SCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: TD BANK US HOLDING COMPANY
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Vehicle purchased in XXXX 2027. : Was taken to the shop twice.. found to have rust on part and needed replacement. XXXX found rust.. extended warranty refused to pay. Could not afford to keep paying for towing and repairs and pay car payment ..made no sense to have vehicle for three months and have this much trouble.. asked the company to pick it up. Dealership said they had nothing to do with it.. finance company said I would be volunteering abandoning. Unfortunately that 's how it will have to be I am not paying for that lemon. If the transmission has rust there is no telling what else is wrong. I will just take a change on my credit for the next seven years.
I could understand if it had been at least a year or even six months. But I just got it in XXXX. So I 'll suffer they just need to get their vehicle. I am NOT PAYING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
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: Information belongs to someone else

Complaint:
I was applying to rent a car today XX/XX/19 and when they ran my credit they told me that I was unable to rent with their company because I did not meet the credit requirements. I was confused so they let look through my credit report and I found several inquiries as well as accounts on my report that I never opened. None of those accounts or inquiries belong to me nor did I give anyone permission to open those accounts or make those inquiries with my personal information. I filed a police report regarding these items as soon as I got the chance ; I never benefitted anything from these accounts/inquiries that were opened in my name without my authorization nor do I have any relationship with any of the companies I listed. I did not take part in any payments, purchases or transactions involving any of these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character

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 2021-01-19
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As of XX/XX/XXXX CMG Financial released a check of {$8200.00} which never arrived. Upon not receiving till XX/XX/XXXX, CMG Financial released a second check on XX/XX/XXXX after stopping the first check. 

The second check hasnt arrived as of XX/XX/XXXX ( beyond 14 days committed time ) since it had been sent to incorrect address. 

CMG Financial had been updated with multiple emails with the problem since XX/XX/XXXX and in return CMG confirmed in written that it indeed had my correct address ( to which the loan had been granted and all other communications had been sent ). 

As of XX/XX/XXXX, CMG still fails to confirm of initiating the check payment to the correct delivery address and is ignoring to pay off {$8200.00}. CMG Financial has been incorrectly holding my escrow refunds for the last 3 months which is devoiding me of this capital and limiting my liquidity to pay my housing taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: ALLY FINANCIAL INC.
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a Roth IRA with Ally Bank I contributed {$4000.00} over 5 years ago I took out {$3500.00} which is not a taxable. The bank sent me a 1099r for ealry withdrawl. It was not a withdrawl on earnings made from the roth IRA it was part of what I put into that account. I can withdraw contributions I made to my Roth IRA anytime, tax- and penalty-free. However, you may have to pay taxes and penalties on earnings in your Roth IRA. Withdrawals from a Roth IRA you've had less than five years

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 2021-09-25
Company: South Mississippi Collection Services Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, i sent SOUTH MISSISSIPPI COLLECTION a letter about a alleged debt of a XXXX that i dont owe.XXXX XXXX XXXX  sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of $ XXXXSOUTH MISSISSIPPI COLLECTION sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of {$110.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, SOUTH MISSISSIPPI COLLECTION has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.

Company response to consumer: Closed with explanation