BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
PREVIOUSLY DISPUTED AN ACCOUNT ( XXXX XXXX ) ON MY CREDIT BUREAU. THE ACCOUNT WAS REMOVED FOR ABOUT 3 MONTHS. AS OF XX/XX/2016 THE ACCOUNT IS BACK ON MY CREDIT REPORT WITHOUT BEING GIVEN NOTICE OF INFORMATION BEING REINSERTED. I AM NOT ASKING FOR A REINVESTIGATION.

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 2016-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
That Transunion needs to update in the Payment and/or Account Payment History the status for each month. These areas are incomplete as of this writing. 
The amount past due is incorrect {$58000.00} the amount past due amount based on their letter of acceleration dated XXXX XXXX, XXXX is AMOUNT PAST DUE {$2900.00} The account is only 120 days past due as of XXXX XXXX, XXXX. 
MY CREDIT SCORE SHOULD BE BASED ON THE FORECLOSURE IN XXXX NOT XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I see that there are XXXX hard inquiries on my credit that took place on XXXX XXXX, 2015. XXXX is from XXXX and the other is from XXXX XXXX. To the best of my knowledge, I did not apply for any credit nor do I have any reason why there would be such inquiries on my account. Can you please find out why these XXXX companies were checking my credit please? 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
TRANSUNION HAS REFUSED TO INVESTIGATE AS FRIVOLOUS IN CFPB XXXX.THE REPORTING ORIGINAL CREDITOR XXXX, ACCT # XXXX HAS ASKED THE CFPB IN XXXX FOR MORE TIME TO INVESTIGATE THE SAME CLAIM.TRANSUNION DECLARES THE CLAIM TO BE FRIVOLOUS ON THE CREDITOR THEY REPORT.THE ACTUAL CREDITOR REPORTED ON, XXXX DOES NOT FIND THE CLAIM TO BE FRIVOLOUS.TRANSUNION WANTS TO PREVENT THE 30 DAY TIME PERIOD FOR INVESTIGATION FROM TAKING PLACE WHICH IS MY RIGHT ON THIS FRAUDULENT REPORTING ACCOUNT.TRANSUNION IS THE EXTORTIONATE ARM OF THE FRAUDULENT REPORTING CREDITOR.IN THE CFPB XXXX I HAVE DETAILED THE INACCURACIES SPECIFICALLY AND WHAT IS INCOMPLETE SPECIFICALLY THAT THEY REFUSE TO ADDRESS. 
I HAVE ATTACHED THE XXXX PAGE OF XXXX INVESTIGATION XXXX AS PROOF OF XXXX ON -GOING CURRENT INVESTIGATION AND I HAVE ATTACHED THE PERTINENT FCRA LAW THAT IS APPLICABLE TO TRANSUNIONS INACCURATE REPORTING OF DOFD, ETC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-21
Company: ALLY FINANCIAL INC.
State: HI
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Ally bank decide to put a restriction on my saving account without letting me know. There is no way I can get the money back. Our hard earned money! And still they say they rated XXXX 5 years in a row.

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 2015-09-30
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
In the year of 2013, I recieved a discover card. A car was rented on this card and it exceeded the balance of the card which was XXXX. I gave no consent to allow this charge and yet I was charged with it. Now on my credit report it states that I went over my limit 150 %. I am disputing the charges with the rental car company. I feel that discover hurt me more than helping. Someone help me. Discover also said that evn if i paid the balance in ful that it would not be removed from my credit report. I dont know what to do but I do know that this is illegal. I have contacted the XXXX as well. Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX XXXX I moved and Macy 's automatically updated my mailing address to a non-existent address. I paid off a {$170.00} balance on my Macy 's card in early XXXX which was the full balance on my XXXX statement the last statement I received at my old address. I had my mail forwarded from my old address, but Macy 's instead went ahead and updated my address with an incorrect XXXX. 
A purchase of {$44.00} was made on XXXX XXXX. I never received any statements from Macy 's regarding this balance. I was not made aware of any balance until XXXX of XXXX when a collection agency contacted me and said I owed a balance of {$350.00} from interest and late fees. 
I had difficulty obtaining statements from Macy 's and requested them numerous times before finally getting them. I have spoken with representatives at length and sent a fax on XXXX XXXX and have still received no response. I want the negative information removed from my credit report and all the interest and late fees refunded as Macy 's never sent a statement for these charges and instead sent them to a non-existant address.

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 2016-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion is listing XXXX paid parking tickets on my credit report that should be removed per the settlement with Attorney General XXXX XXXX. I 've attached a copy of the relevant section of 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 2022-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank is stating that I did a fraud, I deposited {$500.00} at a capitol one ATM in the XXXX XXXX  and now the bank is saying that wasnt true and now I have a negative balance on my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-30
Company: First Credit Services Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2015 I moved from XXXX XXXX to XXXX XXXX. I had spoken to XXXX XXXX about cancelling my membership. They said that in order to cancel I would have to be further than 15 miles from an XXXX XXXX branch and that my name was on the lease agreement of where I was staying. At the time I moved I was XXXX having a hard time with college payments and had to move in with my mom. As a result I had no job and no car. I attempted to get XXXX XXXX to work with me and break the contract but they refused. At some point later I received a letter about collections but didn't understand how to handle the situation. I was not aware that I could dispute the collection nor seek help in coming to a fair agreement. As a result I was unable to make payments and am only attempting to handle this situation now because I have learned a little bit about how debt and credit work. The missed monthly payments have added up to {$560.00}, which though not a large amount, is difficult for me to pay back for a situation where I could not use their services and are greatly over shadowed by the thousands of dollars I owe in student loan debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: Coastline Financial Resources, LLC
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
i received a voicemail message from a XXXX XXXX XXXX from Coastline and Associates/Prodigy Portfolio Management stating that unless I returned her call and set up a payment plan on a credit card debt from XX/XX/XXXX or XX/XX/XXXX that they would take legal action. At the time i was on pain medication, having XXXX the previous day and was frightened enough by her to agree to a payment arrangement. Needless to say, I have no recollection of that conversation. When I called to ask why they had debited {$50.00} from my checking account she said i agreed to it and the call had been recorded. I 'm sure anyone listening to the call could tell i was under the influence of XXXX. She became extremely belligerent, threatening to sue me - what a laugh, i 'm XXXX and own no property. The more research i have done on these companies they seem to be a scam.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have submitted XXXX disputes with TransUnion over the past several months. I have not received a single response from them via US Mail with the results of their investigations. I also have not seen any changes on my credit report based on the credit report that has been provided to me by my credit monitoring service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I AM FILING THIS COMPLAINT BECAUSE TRANSUNION HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USE TO VERIFY THESE ACCOUNTS. ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : UNKNOWN ACCOUNT NUMBER : XXXX ACCOUNT NAME : UNKNOWN ACCOUNT NUMBER : XXXX ACCOUNT NAME : UNKNOWN ACCOUNT NUMBER : XXXX ACCOUNT NAME : UNKNOWN ACCOUNT NUMBER : XXXX UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA- THEY ARE REQUIRED TO 'PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED '' THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE. I SENT IN A THEFT REPORT NOTARIZED AND A COPY OF MY DRIVER LICENSE AND COPY OF MY SS CARD

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 2022-11-16
Company: Navient Solutions, LLC.
State: TN
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:
THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY ON ALL 3 CREDIT BUREAUS PER 15 U.S. Code 1681b - Permissible purposes of consumer reports AND 15 U.S.C 6802 Gramm-Leach-Bliley DEPT OF ED/XXXX XXXXXXXX {$52000.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$1000.00} {$0.00} DEPT OF ED/XXXX XXXX {$1800.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX - -No Data NAVIENT XXXX {$0.00} {$0.00} NAVIENT XXXX {$0.00} {$0.00} NAVIENT XXXX {$0.00} {$0.00} NAVIENT XXXX {$0.00} {$0.00} NAVIENT XXXX {$0.00} {$0.00} NAVIENT XXXX {$0.00} {$0.00} NAVIENT XXXX {$0.00} {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: CAINE & WEINER COMPANY, INC.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First the charge has been disputed several times on credit karma in the last XXXX months so I became serious about fixing my credit so I called XXXX who the alleged original debt was with the information they had on file did not match my personal information and I asked for them to remove it. Nothing was done the last time speaking with them was XXXX XXXX, 2022. Now they have sold my information to a collections agency for about a year now and my ignorance to the law prior have just ignored them so I started to notice they were the XXXX reporting to the credit bureaus and Ive contacted them via mail XXXX XXXX2022 no response. Ive since then sent in the violations of my rights requesting compensation before I sue or move forward in reporting to you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: AES/PHEAA
State: TN
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:
THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY ON ALL 3 CREDIT BUREAUS PER 15 U.S. Code 1681b - Permissible purposes of consumer reports AND 15 U.S.C 6802 Gramm-Leach-Bliley DEPT OF ED/XXXX XXXXXXXX {$52000.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$1000.00} {$0.00} DEPT OF ED/XXXX XXXX {$1800.00} {$0.00} FEDLOAN SERVICING XXXX {$0.00} {$0.00} FEDLOAN SERVICING XXXX {$0.00} {$0.00} FEDLOAN SERVICING XXXX {$0.00} {$0.00} Fed Loan Servicing XXXX {$0.00} {$0.00} Fed Loan Servicing XXXX {$0.00} {$0.00} Fed Loan Servicing XXXX {$0.00} {$0.00} Fed Loan Servicing XXXX {$0.00} {$0.00} Fed Loan Servicing XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX - -No Data XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Williams & Fudge, Inc
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had a private student loan issued by XXXX XXXX XXXX in about XXXX to attend XXXX XXXX University in XXXX, MD. After graduating from college I had some difficulty repaying that loan and in turn XXXX sold the loan to a collection agency. Once the loan went into collections I made arrangements with the debt collector and have been making on time payment in full as scheduled. My complaint is that these payments are not being reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I disputed with Transunion, but I have not received a final reply. I had to log in under " initiate dispute '' to view my credit profile and see that the items : XXXX XXXX, XXXX XXXX ( XXXX accounts ), and a bankruptcy appear on my credit profile. I started my disputes in XXXX 2016, and recently sent a final letter XXXX/XXXX/16 asking the bureau to send me documents verifying these account. These disputes are going on 6 months, and I have not received a document that validates these fraudulent accounts. As a victim of identity thief it is very important that these item be removed. Under FCRA section 611 ( a ) ( 7 ) a consumer has the right to ask for a receive verification documents within 15 days of an item being verified. My letter being sent XXXX/XXXX/16 asking for these documents is over 15 days old. Where are the said documents? My log in date for Transunion is dated for today. Still these items exist on my profile and still I have received anything from Transunion. As of yet, I have not pursued a law suit against Transunion, but as it is stated under law, I can initiate a law suit for resolution. This is outrageous, that it is taking this long to investigate and provide documents. It is hard enough being denied credit as a victim of identity thief.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Convenience checks

Complaint:
I used a Citibank check that comes in the mail to pay my taxes. Written on these checks clearly is there is a transaction fee for balance transfers. Not considering writing a check is a balance transfer I used the check. Surprising I was charged a fee for doing this. I contacted the customer service line and was told to write the President of Citibank if I was not happy with there reply. I did this and received a call from the executive office. I explained my problem and was told they would pull the offer and review. After 5 days I received a call from Citibank stating that this is the offer and there is nothing they can do. I explained I can not afford this fee and because I have been a loyal Citibank customer for 20 years I would like a courtesy of this being waived. Citibank would not show any loyalty to me and refused to help me. They even had the nerve to say they do not make money off of me. I said you have had my money in your bank for over 20 years and you have certainly made money on me. I feel these checks they keep sending are very misleading to there customers. I was so shocked that Citibank would not budge on showing any courtesy to a customer. I am filing this complaint to try and get some satisfaction from Citibank.

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 2017-02-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am extremely upset of the way Select Portfolio Servicing has handle my loan for the pass years. My hardship started since XXXX/XXXX/2015 due to loss of income when my wife and I have lost our jobs, I presented a complete modification packed to SPS to be review for a modification and all the required documents. However ; I have not been help instead SPS keeps prolonging my case making me fall more behind. I was recently approve only for a repayment plan for the amount of {$3900.00}. this is not affordable because my mortgage payment was for the amount of {$1900.00} before I started to fall behind, if I was not able to make my regular mortgage payments before I dont understand why SPS will give me a high repayment plan. I have Appeal numerous times the denied reasons however I am always forced to reapply. I am tired of the excuses they keep giving me in order to prolong my case. My intentions are to keep my house with an affordable mortgage payments. Based on my investors guidelines I should be able to be provided an affordable mortgage payment since my home is severely under water. I have open a complain with my attorney General XXXX XXXX for all the fraudulent and deceptive practices SPS is using in order to deny an affordable trial payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Costco has changed credit card providers, from XXXX XXXX to XXXX XXXX I do not wish to have a credit card from XXXX. I contacted Costco and informed them of this and was told they could do nothing. My only 'choices ' were to cancel the XXXX XXXX account prior to XXXX XXXX 2016 ( with a concurrent 'hit ' on my credit rating ), wait till XXXX XXXX 2016 and cancel the City card ( with a concurrent 'hit ' on my credit rating ) or resign from Costco, thus spending more money than normal for the items I purchase. First, I am not a 'chattel ' that can be bought and sold on a business basis. The attitude of Costco and XXXX may differ on this. Second, I can only be burdened with debt by my choice - not that of a business. Third, I will suffer a loss of creditworthiness if I take the XXXX cancellation options presented to me. I feel that I have the right to say " NO '' to the new card without any credit rating penalty. Respectfully request that you prevent the transfer of any accounts from occurring without the account holders permission. 

While not an XXXX XXXX service member, I am a XXXX service member

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 2016-10-06
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have an account in Texas. Citi sent me a new ATM card and requested me to go to a branch to activate it. There is no branch in Texas. So, to use another banks atm, I would be charged a fee. They indicated I would not be changed a fee XXXX I chatted with them. No fee to activate a fee. They also told me there 's a fee to activate. I do not want the debit card. They are also making me change my user name again after a year. This is ridiculous. I ca n't pay my credit card bills or see the transactions. I am stuck because I do not have a local branch in Texas. This is unfair and deceptive since I have no choices and they are making me pay a fee. I have no access to pay my credit cards while they I am waiting which is giving them additional fees until they grant me access to my accounts. This is very unfair and deceptive.

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