BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-28
Company: ACS Education Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I would like to know why the amount of money going towards the principal of my loan ( ACS Eduacation FFEL ) versus interest on my account is so wildly different month-to-month. In the instance of XXXX 2015, my entire payment of {$170.00} went towards interest, while in XXXX 2015 it was only {$67.00} of that same amount. Obviously this fluctuation is of concern, as no money went towards my principal in that month. These payments were all made on time, so I am curious why this variance is in play -- as my loans from other lenders have very little variance in the ratio of principle to interest month-to-month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 non-monetary relief
Consumer complaint received 2017-02-09
Company: TCF FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I re-financed my mortgage. There was over {$2600.00} in escrow. I have called Chemical Bank several times and they ca n't tell me when I am going to get my escrow money back. It has been over 30 days. When I called today they said " the girl has a stack on her desk and has n't been able to get to them ''. She is working on it. I asked for a date and they said they hope soon. This is unacceptable.

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 2022-01-04
Company: EQUIFAX, INC.
State: AL
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Since XX/XX/2022 Equifax deleted almost all of my accounts from their report without any explanation. At present their report is only showing one credit card and I have over five. Is not showing my present address. I have tried sending complaints thru their website and called also but was unable to work thru their verification process for unknown reasons. In my XXXX report I can see 27 accounts of which Equifax only shows 3, of which 2 are close as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
MidLand Funding LLC contacted a member of my family and talked to them about my debt. This 3rd party is in no way a co-signer or have anything to do with my debt. The debt collector told them the amount of the debt, who the original creditor was, and that it was my debt. Legally they are not supposed to disclose this information, but now it seems they are harassing my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This is illegal. Venmo will not release me my funds and is wrongly holding my funds and not releasing my money to me when i have not violated 1 term and condition. I received money from family and friends for the holidays. I owe rent and a car payment i can't wait 180 days for MY money i promise i will never use Venmo again after this poor service with customers. I have been back and forth with support team and specialist and no one will unfreeze my funds so i can transfer them out of my account to my bank. I'm done with the back and forth this needs to be resolved immediately this is very scam like activity from Venmo. I can't wait 180 days i have not done anything wrong i will end up homeless and not able to pay my bills because of venmo. They are holding {$2500.00} from me sent as a gift from my father. Help please. They stopped replying to me all together now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
The account reported a late payment for XXXX  of XX/XX/2020during the " COVOID-19 '' pandemic. I called the company before my due date and asked for an extension. The extension was granted, which the rep told me this would not be considered as a late payment I would just incur interest. I tried to get the company to chnage the remark, but no feedback or assitance was given.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I just find out that I have an account in collection without my knowledge and also received some collection calls on my cell every hour of the days. I am getting treated and intimidate by this calls. I already filed one time for Bankruptcy and I regret it. I do n't want to have to contact an attorney and filed a complaint about this calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: CITIBANK, N.A.
State: AL
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:
On XX/XX/XXXX my family booked a vacation on my citi card with XXXX / after arriving at the destination it was not as described and infested with roaches. We called XXXX XXXX  several times, they did not answer. We took our toddlers and fled the property. We then contacted Citi because XXXX wouldnt acknowledge us and we left well before our pre paid stay was over due to uninhabitable conditions. Citi card never asked me for further proof ( I have photos, screen shots and endless proof that citi could have had had they asked ). Citi maintains they heard back from the merchant ( XXXX ) closed it and ruled in their favor- without so much as reaching out and asking us for more info. This was a $ XXXX issue. Citibank is consistently handling things like this. I have the proof we are in the right, citi never reaches out and asks- they always side with the merchant.

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 2015-04-20
Company: TSC Accounts Receivable Solutions
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2014 I received communication dated XXXX XXXX, 2014 regarding a past due amount of {$150.00}, with additional " interest '' of {$9.00}. 

On XXXX XXXX, 2014 I notified debt collector : " the communication you provided is vague and does not contain the necessary and specific information needed for my review. The Creditor name of " XXXX XXXX XXXX '' is ambiguous, vague and does not specific what this collection attempt is about. " Also requested and advised the debt collector : '' Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide the details of : The alleged amount owed to the CreditorClearly outlined and specific details as to the reasons of the chargesContact information of the original Creditor for verificationDates of service reflecting the chargesServices provided on the dates of the incurred chargesDocumentation substantiating the chargesProof of serviceAny resolution agreement with CreditorMethodology of your arbitrary interest amount added to the alleged past due amountProvide me with copies of any papers that show I agreed to pay what you say I owe ; Proof the Statute of Limitations has not expired '' I have not received any of the verification or any communication, the collector has proceeded to wrongfully submit negative credit information to the credit bureaus. 

I have advised the Collector on XXXX XXXX, 2014 : '' If your offices have reported invalidated information to any Credit Bureau 's ( e.g. Equifax, Experian or TransUnion ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices ActDefamation of CharacterIf your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Any attempt to report this ambiguous and alleged collection attempt to any credit bureau will be reported to the Federal Trade Commission and the applicable court of law to seek restitution for damages to a credit history. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I received a text message warning from XXXX XXXX stating that my card had been declined at XXXX and to type Y if this charge is correct and N if the charge was not authorized. I typed N and was immediately called by an agent. The person verified my name and phone number, which is linked to my online account at XXXX XXXX. The agent asked me to provide the credentials for my XXXX XXXX XXXX account to prevent unauthorized XXXX transfers. Once the agent verified my information, they initiated a 7 XXXX transactions, each for {$500.00}. The reason the person gave me was to reverse fraudulent XXXX transactions. The agent took {$3500.00} from my account. Simultaneously, my husband received the same text but was in a different city. He did not respond, but called XXXX XXXX, who denied any fraud occurring on the account. Apparently the thieves knew our names, phone numbers and bank. My husband texted me while I was speaking to the imposter bank representative, who was also asking for my routing number, and I hung up the phone. I immediately called XXXX XXXX and spoke to a representative that started a claim for me and attempted to transfer me to the XXXX department, however the wait time was over an hour. Although I was willing to wait, the representative said he was embarrassed of the wait time and advised me to call the fraud department early the next morning with the phone number he provided. I spoke to the fraud department on XX/XX/2021 and the representative deemed the transaction authorized since the XXXX transfer had been sent to a Citi Bank account with my name on that account. I have no association with the Citi bank account and do not have a XXXX account with Citi Bank. The thief was able to link my name and cell phone number to their account. The Citibank website states Please note, you can only change your email address/U.S. mobile number to another email address/U.S. mobile number already on file with Citi. Your checking account linked to your XXXX profile can only be changed to another eligible checking account linked to your Citi.com or Citi Mobile profile. I do not have a Citibank checking account. I contacted Citibanks fraud department on XX/XX/2021 to report this fraudulent transaction. The Citibank agent stated that they would start a claim and conduct an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: OH
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:
The account reported a late payment for XX/XX/2020 during the " COVOID-19 '' pandemic. I called the company before my due date and asked for an extension. The extension was granted, which the rep told me this would not be considered as a late payment I would just incur interest. I tried to get the company to chnage the remark, but no feedback or assitance was given.

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 2015-10-27
Company: Empowerment Ventures, LLC
State: MO
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Fraud or scam

Complaint:
I have requested my replacement rushcard XXXX paychecks ago and have yet to receive it. I have paid expedited fees and still have yet to receive my card. I have request it XXXX times starting on XXXX XXXX. I have XXXX small children XXXX XXXX XXXX and I can not pay my bills and can barely make it to work. All my money is on that rushcard and I am beyond frustrated hurt upset annoyed and irritated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$240.00} DPTEDXXXX {$4200.00} XXXX {$5000.00} XXXX {$4200.00}

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 2016-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have sent numerous comoldings on XXXX XXXX XXXX XXXX. I have madeany phone calls that have not been returned by XXXX XXXX XXXX. I sent to them my information about the identity theft but again no response. I have also requested from them a copy of the SIGNED contract from Capital One Bank and they have yet to provide it. They have now sent me a Motion of Summary Judgement that I received on Saturday, XXXX/XXXX/2016. I plan to file my rebuttal with the court clerk no later than XXXX/XXXX/2016. This DEBT IS NOT MINE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
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: Their investigation did not fix an error on your report

Complaint:
The bureaus have not properly verified their sources and are reporting inaccurate information that is damaging my credit scores. 


I already reached out to the courts and the courts have indeed verified that they do not verify or share information with the credit bureaus. 

Experian responded to the previous dispute on XX/XX/2021 stating that the company reporting the information has verified the information as correct, however they do not say who the company is that is reporting the information. If the credit bureaus are not in fact checking with the alleged original source of information and the the original source says they DO NOT provide any information to the credit bureau then the credit bureau is in fact in violation on the FCRA 15 U.S. Code 1681n - Civil liability for willful noncompliance and is violating my right for complete and accurate reporting.

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 2015-10-29
Company: Empowerment Ventures, LLC
State: MI
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I thought I had lost my card on XXXX XXXX, 2015, I tried to call in to have my card blocked and after being on hold for over an hour I logged into my online account from my computer and found that I could block my card myself. After blocking my card a few hours later I found my card. For the next 4 days I have been calling and calling being put on hold for hours and being hung up on I have yet to have my card unblocked. I have also emailed the company 's member services email twice and have yet to hear anything even though I was told I would have a response in XXXX hours I have a daughter who needs diapers, bills to pay and I have no access to my money because I can not unblock my card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-29
Company: SQUARETWO FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
While checking my reports I noticed in the collections area an entry from Cach LLC opened XXXX XXXX for a debt that is not mines. I 've had no communication from this company concerning this unvalidated debt and I 'm sure there has to be a mistake.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-28
Company: Empowerment Ventures, LLC
State: TN
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
I ca n't get my money of my card even when it 's showing up. Now I 'm behind on all my bills everything getting cut off and they adding late fees XXXX transaction they took all my money off and it was never received by the company. I been without my money for two week this is so frustrating. Who gon na help up get our bills back on track. I 'm finding me a lawyer and another card company. Been with this company since 2009 never again will I do this. I have a daughter at home and a father who is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-13
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
In 2013, Scottrade Bank illegally offset my Scottrade bank account when conspiring with their affiliates Scottrade Brokerage and as a result violated numerous provisions of California FINANCIAL CODE SECTION 1400-1411. 

I have requested Scottrade Bank provide me information about how to file an arbitration case against Scottrade Bank and clarification over the arbitration procedures, potential conflicts, and problems, however, Scottrade Bank has not responded. 

I would like Scottrade Bank to provide me with a copy of the original arbitration contract and full instructions on how to file arbitration against Scottrade Bank.

Company response to consumer: Closed