BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-15
Company: Experian Information Solutions 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 was told that I could reach out to you all regarding my credit. I have reached out to the credit bureaus and my accounts regarding things on my credit that is not mine. It even had alot of student loans. When I saw that I knew something wasnt right because I had to drop out of high school because I had a baby. Can you please help me with these accounts that are not mine XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. Thank you and I also have contacted the FTC and the police. I'm also doing this on my own behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
From What I Looked Up On The Internet, A " Hard Inquiry '' Stays On A Persons ' Credit Report, For 24 Month 's. Transunion Will Not Remove A " Hard Inquiry '', From My Credit Report. The " Hard Inquiry, is : XXXX XXXX, From XX/XX/2018. XXXX Removed It. Transunion, Seems To Have a Problem, Keeping My Credit Report, Accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have two complaints about Huntington Mortgage.

1. ) At the time of application, we made it clear that we did not want to/have to pay PMI. We had plenty of funds available to assure a down payment of 20 % or greater. The loan funded JUST BELOW this threshold and weve now wasted over {$1200.00} this year on a product we SPECIFICALLY sought to avoid. 

2. ) We are currently trying to refinance into a 15 year from a 30 year mortgage with a different lender. Huntington says they are unable to provide a letter or any document stating that our mortgage is not in deferral. In essence, our lender is holding us hostage in a bad loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: CT
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 started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XXXX XX/XX/2021 with follow ups disputes each month for 7 months and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
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:
hi, My loan number is XXXX with loan care company. i saw my credit report they add one late payment on my credit .Please check the atachment, on page 8 they add late payment on XXXX XXXX.But i was paid off loan on XXXX .bcz i sold house in XXXX .i was signed escrow papers on XXXX XXXX.loan care inc mess up my credit.I request them many many time please remove these late payments from my credit, But its still on my record.I am trying to refinance my home.They want clearance letter from them about this late payment.But after two months still my credit is same>please help me Thanks

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 2023-12-16
Company: Bread Financial Holdings, Inc.
State: NH
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit card with COMENITYXXXX XXXX and paid my balance off in XXXX of {$99.00}. When I received my XXXX statement, I had a service charge of {$2.00} that I thought was an error, so I ignored it. I bought a shirt and when I received my XXXX statement, I was charged an additional {$2.00} and a late fee of {$2.00} with the {$2.00} fee from XXXX. I was never informed that COMENITY XXXX XXXX XXXX was going to start charging a service fee for use of their credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the Fair Credit Reporting Act XXXX  XXXX  Acct. No. XXXX, has violated my rights. 
o 15 U.S.C 1681 section 602 A : I have the right to privacy.

o 15 U.S.C 1681 section 602 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions o 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information other than the records of conviction of crimes which antedates the report by more than seven years o 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2020-12-15
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I recently opened an American Express savings account. 

I have several problems with American Express : First, this morning I logged into my account and clicked on 'search ' to see how to sign up for paperless statements. When I tried to sign up for paperless statements, it had logged me out of my account. When I tried to log back in, it did not recognize my username and / or password. ( It may have taken me to a login page for a credit card, rather than the savings account? ) I went back to the sign in page for a savings account and again was not able to click on 'paperless statements ' without being signed out of my savings account. Why does American Express have such an unprofessional website? 

Second, just now ( evening ) I tried to log back into my American Express savings account. However, when I clicked on 'email me a code ' to verify my login, it did not send me a code. It did this twice. I phoned American Express ( XXXX ) and spoke with XX/XX/XXXXXXXX ' who said that the system was down for maintenance and I should try to log in later. There was no notice on the American Express login website informing the client about the shutdown - why? Other banks put a notice on the login website when their site will be down. 
And XXXX was unable to tell me how long the system would be down for. Why does American Express not inform their clients of shutdowns, and why don't they inform their employees how long the system will be down for? 

Third, I also asked XXXX how I could fill out a Pay-on-Death / Transfer-on-Death form to leave my account to a charity in the event of my death. She said that American Express does not allow clients to have a charity as beneficiary. Why? Every other bank allows a charity as a beneficiary. This is definitely NOT in the client 's best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This creditor XXXX XXXX XXXX is still violating my rights to privacy of 15 U.S.C 1681. 15 U.S.C 1681 section 604 -A section 2 states a consumer reporting agency can not furnish a account without my written consent, this company sent me paperwork from a company they represent with a forged signature, I do not owe XXXX XXXX XXXX XXXX XXXX and I demand that they provide actual validation with my WRITTEN CONSENT, I also demand a copy of the contract binding both parties ( XXXX XXXX & the company they are representing ) In a letter by certified mail so that their is a independent witness to it having been delivered, I also demand a response from XXXX XXXX  within 5 days as listed in the terms of the the consumer book! kind regards!

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 2022-10-09
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is with regards to Barclays XXXX XXXX XXXX. They took over XXXX card in XX/XX/XXXX and notified customers that the previous online account will no longer be active and the new credit card will arrive in the mail by XXXX XX/XX/XXXX. I called Barclays customer care around the XX/XX/XXXX when I had not received the card and was not able to pay my outstanding bill of {$230.00} for purchases made. The customer service agent said the address they had on file was incorrect, an error made by Barclays during the transfer of account information. As a result I was unable to pay the bill on the due date of XX/XX/XXXX. During the call i requested the agent to waive the late payment charges incurred due to Barclays error with the mailing address. 

I received the card and made the full payment of {$230.00} on XX/XX/XXXX. I also called customer service again to request the waiver of the late payment charges of {$32.00} as of XX/XX/XXXX. He told me it was waived. I received another bill on XX/XX/XXXX of {$67.00} and I started receiving at least XXXX calls a week asking to pay the over due bill. I called customer service again to explain that the problem and request a waiver. The agent told me that there were no charges showing on my account. I decided to close my account on XX/XX/XXXX with Barclays and deactivate my XXXX card because of this nasty experience. I left a message on the site explaining the unfair charges and my reason for leaving. I received another bill on XX/XX/XXXX with an amount of {$110.00} after my account is closed. I wil not pay this because it has been unfairly charged and is nothing but a greedy and fraudulent technique of getting customers to pay.

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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Status updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has committed Securities Fraud and Identity Fraud. I have never consented to there mortgage. XXXX XXXX XXXX have taken my identity and take out Securities out in my name without my consent That is Securities FRAUD and Identity FRAUD.

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 2022-02-26
Company: NAVY FEDERAL CREDIT UNION
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:
Various charges to my credit cards and access to my bank account was given to someone. XXXX is were cashed and signed fake signature and a line of credit was issued. The bank denied my claim and stated that I was a participant in the fraud and is holding me accountable for the damages and the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I attempted to send money via XXXX. I was notified by the recipient they had not received the funds. I called XXXX and was told to download a security app and then various transactions began to come out of my account. I thought I was working with XXXX and it was a scammer. I contacted my bank immediately with the assistance of my daughter and granddaughter to file a claim. Now, the bank is stating I owe because the thieves provided documentation I authorized, which is fraudulent. 
Later I was notified I lost my job and someone filed unemployment benefits in my name. Now, I have to review my entire life to repair it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: EAST WEST BANK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I use https : XXXX ( XXXX by East West Bank ) . 

XXXX, I use my XXXX XXXX account transfer XXXX to another XXXX XXXX account via ach. 

Because my bank account balance was insufficient at that time, the transfer was not successful. 

Both the payee and the payers XXXX XXXX  account were frozen at {$6000.00} ( later, I recharged my bank account, so there is enough balance to frozen ). 

I asked XXXX XXXX customer service to confirm the payment status, unfreeze one of the accounts, and deduct the frozen money from the other account. 

Because both parties are XXXX XXXX accounts, I think it should be simple. 

The customer service of XXXX told me that the attribution of the remittance can be confirmed after the ach statement from XXXX. 

But after 7 months, they are still asking me to wait for the ach statement. 

I have been waiting for so long, I am almost impatient, I hope it can be resolved soon.

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 2022-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
Recently reviewing my credit report, I noticed these accounts are still being reported inaccurately. I have sent them correspondence disputing this inaccurate information. CAPITAL ONE has failed to provide me with a copy of any viable evidence, bearing my live signature. I have never done business with CAPITAL ONE, nor have I signed any contracts with this company. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It it is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a consumers Credit Report. I am requesting CAPITAL ONE delete this entry immediately and provide me with a copy of the correspondence sent to the Credit Bureaus XXXX, XXXX, and XXXX directing them to REMOVE this erroneous entry as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, a debt collection agency is reporting false information on my credit report. They are saying I owe {$6000.00} for a debt that I have no knowledge of. I have disputed this information in the past and the credit reporting agency removed it but then they added it back to my credit report. Furthermore, another company seems to have bought this debt from XXXX XXXX because I was served a lawsuit from CPS Community and went to court for this exact debt in XX/XX/2020, where the judge has denied their claims because they can not furnish any contract or evidence that this debt is mine. 

Although they no longer own the debt or are able to provide evidence that this debt is valid they still refuse to remove this from my file and Experian and XXXX keep saying the debt is valid when i have a legal court document to prove that 1.the debt in invalid and 2. the amount of money owed that they are reporting on my credit is invalid. If you can not resolve this, my next step is to sue XXXX XXXX and the credit reporting agencies for damages to both my file and my personal life.

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 2023-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Dear Consumer Financial Protection Bureau, I hope this email finds you well. I am writing to file a formal complaint against Capital One Credit Cards regarding their refusal to accommodate my request for a financial hardship review. Despite being on public assistance and facing severe financial challenges, I have encountered significant resistance from Capital One in obtaining the necessary assistance to manage my situation. 

I have been a loyal customer of Capital One Credit Cards for several years and have always strived to meet my financial obligations. However, due to unforeseen circumstances, I am currently experiencing extreme financial difficulty, and my ability to make monthly minimum payments has been severely impacted. I reached out to Capital One requesting assistance in the form of a financial hardship review, which would include waiving late fees, lowering interest rate, arranging a feasible payment plan, or even settling the full balance at a reduced rate. To my dismay, I have been met with rejection on all fronts. 

I am deeply frustrated and disheartened by the lack of empathy and understanding demonstrated by Capital One 's representatives. While I understand that credit card companies operate within certain guidelines, I believe that there should be room for compassion and assistance in cases of genuine financial hardship, especially considering my consistent payment history prior to these difficult circumstances. 

I have explored various avenues to resolve my financial situation, and my request for accommodation is not made lightly. The refusal from Capital One has left me in a state of uncertainty and distress, as I am unsure how to navigate this challenging period without their cooperation. 

I kindly request your intervention and investigation into this matter to ensure that Capital One adheres to fair practices and provides assistance to customers who are genuinely struggling. I believe that a reconsideration of my case and a willingness to work with me to find a suitable solution would not only be in my best interest but also align with ethical and responsible lending practices. 

I am grateful for the Consumer Financial Protection Bureau 's commitment to safeguarding consumer rights and promoting fairness within the financial industry. I look forward to a prompt resolution of this matter and appreciate any support you can provide in facilitating a productive dialogue between myself and Capital One. 

Thank you for your attention to this pressing issue. Please do not hesitate to contact me if you require any further information or documentation from my end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17
Company: TRUIST FINANCIAL CORPORATION
State: MO
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:
Truist Bank received on XX/XX/XXXX  eight registered securities by registered US mail and has never credited my account or followed the instructions of wiring them to my XXXX XXXX  account. These are stolen securities, and the amount of. {>= $1,000,000} sent to The indentured trustee of Truist Bank, according to the SEC filing his name is XXXX XXXX. I have received no funds in my accounts, and no correspondence from the trustee of the bank. It was sent by registered mail number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, North Carolina, XXXX phone ( XXXX ) XXXX. Filed FTC 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 explanation