BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-11
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2016, a charge appeared on my credit card bill from XXXX XXXX for {$100.00}. This was for a medical facility that made me swipe my card and sign a receipt BEFORE I saw a doctor. Unfortunately, I never did see the doctor. The facility assured me they would tear the receipt up, and it would not post to my account. The charge did post to my account, and I immediately disputed it. Citicards sent me a letter saying a credit would be issued to me, and the matter would be closed. A month later, Citicards put that charge back on my account, and I have been fighting with them ever since. This is not a valid charge, and I want them to remove it. Citicards has no right to tell me I must pay a charge that is invalid. If XXXX XXXX feels I should pay the charge, then they can take me to Court. Citicards is violating my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-23
Company: CITIBANK, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Our home has been financed by Citi since 2006. We have never missed a payment or even made a late payment. In early XXXX this year I approached Citi about refinancing to gain a lower interest rate. I was quoted a rate about 1 % lower than the rate on our current loan and promptly submitted an application. The appraisal was completed to confirm there is more than ample equity in the home to justify the loan. The unblemished credit reports with XXXX FICO scores were provided and every piece of documentation or information requested has been provided. A clean title search is ready for delivery upon request. More than 3 months later Citi has still not completed processing our application for final approval and today has once again requested I provide nonsensical information that has already been provided despite its irrelevance. I now suspect it has and continues to purposely delay approval of our application in order to continue collecting the higher interest charges that have and continue to accrue. Had I even suspected Citi would handle our application in such bad faith I would have gone elsewhere at the outset and undoubtedly would have already completed the refinancing process well before now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09
Company: TD BANK US HOLDING COMPANY
State: VT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a Foreign Bank Check on XX/XX/2017 at my local TD Bank Branch. 
I received a 'Credit Advice ' communication, dated XX/XX/2017 from TD Bank acknowledging that funds were received from the foreign bank and that the funds were credited to my account on XX/XX/2017. 
The exchange rate ( XXXX to USD@XXXX ) used by TD Bank on XX/XX/2017 was significantly lower than market rates. 
On XX/XX/2017 the funds were still not in my account. 
I called XXXX and talked to customer service agent who transferred me to another department where I was on hold for 15 mins plus before I hung up. 
I then went down to my local branch to ask about the missing deposit. They are looking into it and will get back to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-05
Company: Express Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have XXXX and pay what I need to pay each time. I saw XXXX collection accounts on my credit. My insurance paid my medical bills. I sent to this agency to validate the debt and they did not validate it. This agency is not Bonded to collect in my state. I checked on the Secretary of State Site and entered their name and address. It says there is not a bond for them. This agency never sent me a letter or anything stating that they are putting anything on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I sent a letter to all XXXX credit bureaus them on XX/XX/2022. 

You are reporting Inaccurate information in consumer reports concerning me that you have complied and published to third parties. The following tradeline item is inaccurate because you have my name, address and employer inaccurate. 
Name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inaccurate Employer : XXXX XXXX XXXX XXXX. Inaccurate Addresses : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, FL XXXX inaccurate XXXX XXXX XXXX, XXXX XXXX, FL XXXX inaccurate

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 2016-04-19
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I received a copy of my credit report today from my bank in relation to a car loan application. The credit report showed a tax lien on it. I completely paid off that tax lien over 12 months ago. I contacted XXXX, Epererian, and XXXX and all of them said that the tax lien still shows on their records. All three were helpful and courteous. I called the Idaho Secretary of State and informed them that the XXXX credit rating companies stated that the XXXX has to send each of them the information that the lien has been settled and paid. The Idaho XXXX office said that that statement is not true, and that the XXXX credit agencies are required to update their files by contacting the XXXX office periodically. So here I am caught in the middle of the credit agencies and the Idaho XXXX XXXX XXXX saying that it 's neither of their responsibility to make sure that my credit report and scores are up to date, in this case, that my credit reports issued by XXXX XXXX and Experian no longer show the tax lien. So this is a complaint against all XXXX credit bureaus in that they are not regularly updating their systems to show that things such as tax liens are not removed from their computer systems so that the credit reports they issue to financial institutions show that I no longer have a tax lien. If the XXXX credit agencies are not required by law to periodically update and ensure that their reporting records are accurate and up to date, then a law needs to be passed that requires them to do so. This is outrageous that a consumer who meets their obligations with respect to paying off their liens or other debts have to go through the endless efforts of contacting each of the XXXX credit reporting agencies and file a complaint so that they remove those liens/debts from their records. Thank you in advance for taking the time to address my complaint. 
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 2022-05-24
Company: I.C. System, 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 status incorrect

Complaint:
Old XXXX XXXX account removed then reappeared as open its inaccurate

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 2015-08-21
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
XXXX of the XXXX credit reporting agencies would not give me my free credit report online. They said there was a error or mismatch with my information and that I would have to submit my request through mail for them to determine the issue and get my credit report from them. Both XXXX and XXXX did this when I tried to get my reports for free, but when I tried to pay for them on their websites, low and behold they were able to match and confirm my identity to give me my reports. This appears to be deliberate way to charge customers to get their reports by not providing them to them for free and making it labor intensive to get them ( through email and possible long wait time ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-02
Company: Auto Trakk, LLC
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Purchased a vehicle in 2012 from a dealer in XXXX, PA who financed it through Autotrakk and at the time of purchased my Sister and I were told I would only have to keep it 18 months and could then trade it and this was XXXX of the main reasons I purchased the vehicle because I wanted to get my credit back to perfect and I did. I kept the vehicle more than 18 months with perfect credit and went to trade it and the dealer said I could n't trade it that I owed more that the vehicle was worth that 's when I learned that XXXX charged me {$4000.00} more than the vehicle was worth. I went ahead and bought the new vehicle and kept paying for the Autotrakk loan and put that vehicle up for sale. During the duration of the loan Autotrakk kept telling me this was a lease because I kept asking why I could n't get a better interest rate because my payment history was perfect and they kept telling me that it was a lease which was contradicting what the dealer told me. These people in customer service are all incompetent. They required you to do the service calls on the vehicle and they would tell you when they were due which was no problem cause that was paid for by them and I did everyone but when I would call to make my payments after a service call they would say you need to make your service call and I would tell them it was already done but the last service call I did the dealer did n't notify them I guess and when I tried to make my payment they refused to take my payment and I went off, those XXXX just ruined my perfect repayment history by not letting me make my payment. It is there responsibility to call the dealer and confirm the service call was made. The service call was done XXXX XXXX and that info is available right at the dealer. I told them to come get the vehicle or I would take it back to the dealer and they did the next day so this was a I voluntarily gave the vehicle back but still the loan was perfect credit but they turned it into the credit bureau as a repossession and now even thought all my debt is perfect credit and I have several credit cards I can not better better car insurance or even better credit cards with low interest rates because it lowered my credit score form XXXX to XXXX so I am suing them because they would not except my payment and how can you reposess a car with perfect credit. I will fight this and go to court to get this off my credit report. Stay far away from this company and do a XXXX search for Autotrakk and see all the complaints this company has they should shut this company down these people do not know how to do good business and I will put it on all social media platforms to warn people to stay away from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Senex Services Corp.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have called and tried to contact the hospital and debt collector to get a mailed bill or an account number with balance from them and no one I have talked to at hospital or debt office can find the information or says I do not have an open account or balance due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I opened a XXXX XXXX account on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Utah XXXX. XXXX. I fell behind in XX/XX/XXXX. Total amount was {$2500.00}. Fast forward to XX/XX/XXXX. I contacted XXXX XXXX regarding account # XXXX. We entered a settlement agreement amount of {$2000.00}, which was paid in two installments of {$340.00} and a final payment of {$1700.00} on XX/XX/XXXX. XXXX XXXX is reporting now that I owe an additional {$880.00}. No I do n't. The new agreement/covenant superceded the old agreement and the account is paid in full as agreed with a XXXX balance. I would like the credit bureaus to report same or delete the line item in it 's entirety. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit card
Issue: Delinquent account

Complaint:
I sent a payoff for this card in the mail in addition to my other banks auto draft to pay. I sent the payoff the end of XXXX. I received no calls or letters showing that a payoff payment had not been received. When I checked my credit last week I saw it had been lowered by XXXX points due to late payments. I called and they were unhelpful and unwilling to provide any consideration for my situation despite me explaining I mailed the payoff and never got contact from them that they did n't receive payment. As soon as I heard I called and payed the payoff right away. I am suppose to close on a house in 2 months and I 'm this error could cost me my home and my XXXX deposit. I was suppose to get a call back from a manager but never did. This was concerning TD bank credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-09
Company: TMX Finance LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I signed for a loan with TitleMax ( XXXX ) XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX In XXXX 2016. I am no longer employed and can not pay on this title loan. TitleMax calls me mutiple times a day leaves messages sometimes and other time says nothing. This has been going on for two weeks now. On XXXX/XXXX/2016 TitleMax called my brother asking questions about me and did not identify who they were. I am stressed out and can not sleep at night due to this company

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I HAVE A PRIVATE LOAN FROM A XXXX I ATTENDED, MY MOM WHO IS NOW RETIRED AND NO INCOME WAS THE CO SIGNER. I AM NOW WORKING ON MY CREDIT AND WAS FORWARDED TO A LAWYER WITH NO PAYMENT OPTIONS. SECOND I DO N'T EVEN HAVE A JOB IN THE FIELD I STUDIED. NEED MORE EXPERIENCE THAN DIPLOMA ACHIEVED

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On the morning of XXXX XXXX, 2016 ( this morning ), I pulled my Experian credit report and noticed yet another trade line ( collection ) that is reporting on my credit due to fraud/identity theft. I recently submitted a claim with the CFPB on XXXX XXXX and Experian has continued to be diligent in the process of removing false and fraudulent information reporting on my credit file. At this juncture, I would like to add yet another item to be disputed as Fraud. It is actively reporting on my credit under the name of XXXX XXXX XXXX to which is not my name XXXX XXXX XXXX XXXX XXXX. The collection company is XXXX. XXXX XXXX with them representing the creditor of origin XXXX XXXX XXXX. I have attached AGAIN the necessary documents to prove my identity.

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 2015-09-17
Company: TMX Finance LLC
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I received a title loan from Title Max over a year ago. I regret this choice, as I can not afford to pay more than the monthly finance charge, which is 10.99 %. I have made my payments as required every month, with a few late payments only, and no more than a week late at the most. I am stuck in this endless cycle of debt, with no way out it seems. My complaint is, my last payment due date was on XXXX/XXXX/2015, which was a Saturday. I had the amount I owed, but due to transportation issues, was unable to make it to the office that day to pay ( no one can go for me, unless granted power of attorney ). They are closed on Sundays every week, and this particular week was XXXX XXXX, therefore they were closed XXXX/XXXX/2015, and XXXX/XXXX/2015. I called to let them know on the next business day, I would be there with my payment, and one days late fee. I spoke to XXXX XXXX, and she said, I had to pay for late charges for the 2 days they were closed, in which it was physically impossible to make a payment. This set me back another day, because I did not have enough to pay these unexpected days. I borrowed the money from a reluctant friend, and paid on XXXX/XXXX/2015. This cost me an extra {$43.00} on top of my minimum payment amount of {$320.00}. This woman talked to me like trash and hung up in my face when I called to let her know I was on my way to pay. I am appalled at her mistreatment of a paying consumer, who has never missed a monthly payment. The company makes their rules as they please, because there have been times in the past that I was not charged for a Sunday, or a particular holiday in which they were closed. I am in a financial rut, but manage to keep up these payments, as I can not lose my vehicle. Is this legal and the way the woman treated me was terrible business practice, and being a manager of this particular Title Max location, she should know better.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Tebo Financial Services, Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Tebo FinancialXXXX XXXX XXXX XXXX # XXXX, XXXX, OH XXXXXX/XX/2015RE : XXXX Chrysler PT CruiserVIN Number : XXXX On XXXX XXXX, 2015 I received a call from XXXX XXXX attempting to collect on the discharged debt. After calling Tebo Financial, they then stated they were prohibited by bankruptcy laws with regards to contacting us and collecting on a discharged debt. This is a clear contradiction. 

On or before XXXX XXXX, 2015 Tebo Financial authorized XXXX to repossess the XXXX Chrysler PT Cruiser, at XXXX XXXX XXXX XXXX, Ohio XXXX. On XXXX XXXX, 2015 this vehicle was recovered by XXXX. 

After the vehicle was repossessed on XXXX XXXX, 2015, I did not receive any legal communication required through Ohio Repossession code ( XXXX XXXX ), regarding my Rights to Cure. The vehicle was set to be auctioned on XXXX XXXX, 2015 without any notices sent stating the vehicle had been repossessed or the creditor 's intention. I did not receive a NOTICE OF OUR PLAN TO SELL PROPERTY or Notice of Default and the Right to Cure. 

In addition to these violations and non-compliance, I was not properly informed about my personal property left inside the vehicle. Tebo Financial failed to document properly and inventory the personal items left in the vehicle per Ohio repossession laws as well. 

At this time, a complaint with XXXX and Attorney General Office has been filed. I will seek sanctions through the Bankruptcy court within the coming week if a resolution is not promptly met. 

A refund of {$830.00} for recoverable charged fees will cause this matter to halt and not proceed with legal action. 

1. Loan Fees {$510.00}. Interest {$190.00}. Auction Storage fee {$91.00}. Personal property fee $ XXXXPlease feel free to contact to me with a resolution to this very time sensitive matter. 

Regretfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: GREAT LAKES
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Submitted request for IBR. When contacting via phone to receive status I was placed in the call back queue with a promised call back that never occurred. Additionally, have sent email asking about status and indicting a response would be sent within 48 which never occurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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  # XXXX. XXXX XXXX XXXX  # XXXX or # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 




15 U.S.C 1681 section 602 A. States I have a 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 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 2015-05-01
Company: U.S. BANCORP
State: PA
Product: Credit card
Issue: Rewards

Complaint:
When I opened my US Bank XXXX XXXX Premier Rewards Visa Signature Card, the terms and conditions promised that as long as the annual fee is paid, a bonus award hotel night would be provided whenever I use my gold points to book award nights of XXXX or more consecutive nights at the same XXXX XXXX property. That benefit is now being taken away, and no direct compensation is being provided. My annual fee of {$75.00} was charged in XXXX and I paid it because I believed I would be receiving the free award night benefit for the entire year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief