BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: RANGE CREDIT BUREAU INC
State: MN
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
I've been taking to court for owing XXXX in regards to medical debt and i want to see if I have options to prevent this from happening.

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 2023-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I was provided an offer of credit card issued by Bank of America in XX/XX/XXXX which had an XXXX XXXX Promotional APR for a certain period of time. 

I accepted the offer and received a credit card soon. 

However, I have never received any notification from Bank of America to specifically let me know when the XXXX XXXX Promotional APR ends. 

On XX/XX/XXXX, I accidentally found my credit card was charged of very high interest for two months : Interest charged for XX/XX/XXXX : {$280.00} Interest charged for XX/XX/XXXX : {$270.00} On XX/XX/XXXX, I called BOA customer service to see if there is any resolution to reverse the interest charged, but my request was declined. 

On XX/XX/XXXX, I went to the BOA branch in XXXX XXXX, XXXX and paid off all of my current balance of {$17000.00}. Then I called BOA customer service again to see if I can request a reverse of the interest charged, but again my request was declined. 

On XX/XX/XXXX, my credit card was charged of another interest of {$210.00}. 

On XX/XX/XXXX, I went to the BOA branch in XXXX XXXX, XXXX to speak to the representative, asking why I still have interest charged even after I paid off all of my credit card balance. I was told that the interest charged on XX/XX/XXXX was for purchases made for the previous month. 

I was trying to explain that Bank of America had never sent me any type of notification to specifically notify me the date that the XXXX XXXX Promotional APR of my credit card ends. If I were notified of the ending date of the XXXX XXXX Promotional XXXX, I would have paid off all the balance to avoid high interest rate. 

As a consumer, I feel its unfair for the bank to ignore or fail to notify the consumer about the critical timeline/date that have a dramatic impact on their interest/benefit such as change of the interest rate. Their failure to do so is apparently an action of taking advantage of their consumers. I hope Bank of America can fix their policy to prevent this problem.

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 2023-11-28
Company: EdFinancial Services
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My XXXX  loan payments are too high and I cant make them. I called Edfinancial and they recommended a different repayment plan that would lower my payments. They helped me apply and told me to wait 30 business days for approval. It has now been 50 business days with no approval. I am now two months behind on payments, I keep getting emails that my account is delinquent, and I am accruing interest every day. I call edfinancial weekly and they are so kind, but they just keep telling me to wait and that applications are taking longer due to a high volume of requests. I understand this is an issue, but there should be a way for me to get more information about my specific application ( where am I at in line? What is the expected CURRENT wait time? Is my application not being approved bc I need additional documentation? ) instead of a generic and unhelpful, albeit kind, response. I applied before the general forbearance was over and expected to be approved by the time my loans came due. A few days or even XXXX week extra is understandable, but this kind of delay while interest accrues in my account is unacceptable. It is especially unacceptable without information on how much longer I can expect to wait. I see information on the edfinancial website that concerns/confuses me, but the people I speak to on the phone dont seem to care or have any interest in listening to my whole story so that they can figure out if there is something I missed/need to do.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-22
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
On XX/XX/2022, I received a letter from XXXX indicating they removed a public record of bankruptcy from my consumer credit report. 

On XX/XX/2022 I requested that Experian remove the record of bankruptcy from my consumer report as well, according to 15 USC 1681 ( a ) ( 1 ) ( B ), 15USC 1681 ( a ) ( 4 ), and 15 USC 1681 ( k ) 1. No permissible purpose 2. No proof of who requested the public information 3. No employment purpose On XX/XX/2022, Experian responded that the company that reported the information has certified Experian that the information is accurate. Experian did not reveal who verified the information or how the information was verified. Experian is also reporting public information that is not based on employment purposes and never notified the consumer of the fact that public record information was being reported. The name and address of the person of who the information is reported to has not provided either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: OKCoin USA Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I opened account with okcoin.com for buying cryptcurrency and sent fund to them. After used their service, I didn't like how they don't describe themselves clearly if they saved my personal information in server for the US or XXXX. I am fearful that they have my personal information in XXXX server thus sold what I had and tried to withdraw my fund back to my US account but they saved wrong XXXX and bank name saved and confused me to sent my fund to wrong bank which was rejected in the past few weeks ago but now shows that it went thru. So I let them know about their confusing mistake holding wrong information about XXXX and bank name as one of option to chose which should have never been saved in their system for security issue. If I am having this problem and exposing my personal information in XXXX server than it should been disclosed fully in their site but they won't answer you. Now I just want my money back from them and stop them from operating in the US risking many others in same problem as I am in now. They have customer service number for the US customers but it's answering service. And their online customer service is worthless won't answer with important information and you won't get respond back from them either. I need help from US regulatory authorization dealing with them because they clearly don't care responding back to US customers. I guess it's XXXX thing. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: SANTANDER HOLDINGS USA, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The reasoning for this letter is to dispute account " XXXX '' from the creditor " Santander Consumer USA '' on all three bureaus, XXXX, XXXX, XXXX and cease and desist from their program entirely. I've attempted to remove the collection with the company and they were unable to provide the validation of debt with my signature. 
In addition, the full account number does not report on my credit profile.This violates several codes under the FAIR DEBT COLLECTION ACT. This collection is inaccurate and is negatively impacting my credit profile, it needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: CULLEN/FROST BANKERS, INC.
State: TX
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:
Frost Bank is reporting 2 charged off bank account balances on my credit report as if they were loans and they have reported each account as Unpaid for over 35 months, which is significantly effecting my credit score. Additionally, both of these accounts were BUSINESS accounts, which should not be reported on my personal credit report, period. Further, both of these balances were paid off in full upon closure of both accounts. This has affected my ability to close on our new home and I need this removed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
{$230.00} of balance from XXXX XXXX has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.

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 2023-06-05
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account got frozen while I was trying to pay my rent, now I can't use the account for anything, my money is there and I can't pay my rent. The Company does not solve it and does not say how I can solve it, I have called numerous times and always the same response from robots attendants saying that I need to wait for the specialist to analyze the account and this can take up to 10 days! Like this? Will they keep my money for 10 days? I want my money!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
Two years ago I ordered via the internet virus protection service for my computer for two years from XXXX vendor with my Capital One XXXX credit card. 

I never authorized XXXX to automatically renew this virus subscription service. Subsequently on XX/XX/2021 my credit card was charged {$110.00} for subscription renewal for XXXX. 

I informed Capital One that I did not authorize this charge several times. I asked them to dispute this charge and close my account. Capital One has sent me numerous letters asking for receipts for this original purchase. I explained to them that it was two years ago and never received a hardcopy receipt. 

I have other credit cards and never experienced the amount of wasted time and frustration to do two simple things ... .dispute a charge that I did not authorized and close my account. 

My case number with Capital One regarding this matter is # XXXX. 

Please help me resolved this matter once and for all as I do not want my excellent credit rating damaged by this unauthorized charge. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-14
Company: JPMORGAN CHASE & CO.
State: CT
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020, XXXX ( XXXX ) illegal transactions were made on a Chase credit card Issued to me within a XXXX hour period in XXXX ( XXXX ) geographical locations ( XXXX XXXX  XXXX and XXXX ). The total amounts of the XXXX ( XXXX ) illegal transactions was {$430.00}. The Chase Fraud Dept was contacted and they responded by saying since the card was in the rightful card holders possession and they were in-store transactions with a chip card, they regarded the transactions valid. They were advised the rightful card holder did not make the transactions and produced surveillance video from XXXX ( XXXX ) merchants showing who made the transactions. Chase insists the transactions must have been valid because the rightful card holder had the card in his possession and it was made in-store with a card bearing the correct information. The rightful card holder was not in the location of XXXX ( XXXX ) of the transactions. The third ( XXXX ) illegal transaction was made in a store in XXXX shortly after the rightful card holder made a valid purchase at that store. The Chase Fraud Dept stated they did research into the complaint and rejected our response. They are holding us responsible for purchase we did not make and can prove it! Very frustrating! The Chase Fraud Dept has been forwarded all available information and records regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me twice a day to pay my credit card that I never received. I told them to stop calling and blocked them, but they leave 2 messages a day! My payment is not due for another weak, leave me alone!

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 2023-11-28
Company: MoneyLion Inc.
State: MI
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I took out a credit builder loan for {$1000.00}. {$220.00} was immediately available to me and the remaining {$770.00} was held in a credit reserve account until the loan was paid off, upon which would be immediately transferred to an account that I could withdraw the money from. I paid the loan off XX/XX/XXXX however the money was not immediately transferred to my account and still has not been transferred 5 days later. I have been in contact with MoneyLion reps every day. I was first told it would take 1 business day, then 2 business days, and now they are telling me it will be another 3 to 5 business days. They have received their money but are refusing to give me the remaining {$770.00} that I am entitled to.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX v. Experian Information Solutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Minnesota XXXX On XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX : {$0.00}. Please remove.

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 2022-03-22
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We started to Refinance our rental home in XX/XX/XXXX after receiving a letter in the mail with the amount they can save us on payments. 
We are still in this process and we are constantly sending information over to the underwriters. Every couple months we are resending bank statements, P & L from all of our businesses. In XX/XX/XXXX we have a new loan processor and she requested items that we had already sent but we sent again. In XXXX they requested our XXXX XXXX 's. We sent them our tax forms that we file to the IRS and are completed by a certified accountant. My husbands computer crashed and now they want to request a copy of the W2 's from the IRS. So we signed the papers in XX/XX/XXXX for them to get copies of the W2s. After sending more bank statements and P & L statements for our multiple companies and all bank account information again in XXXX. Now they have assigned the house to be appraised again ( we had this completed in XX/XX/XXXX ) On XX/XX/XXXX we and to send all of XXXX statements again and then they had to run our credit again on XX/XX/XXXX. Of course by now my husband had to purchase a new bus for his business and we have to submit all of this paperwork. Then on XX/XX/XXXX they want all current pay stubs and information on a previous employer for my husband. XXXX XX/XX/XXXX they also wanted a release to check our credit report ( they already did this we get the notices ) so we sign this after the fact! On XX/XX/XXXX they needed more information and we did not respond because our son was getting married. My husband did send them the information on XX/XX/XXXX and then on XX/XX/XXXX requested the same information. And today they requested more bank statements and P & L for our businesses and for us to sign another form to request more W2 's from our taxes in XXXX and XXXX 's again. I believe this has all been a stall tactic because they hold our loan at a higher rate and we received the letter to receive part of the refinancing at no charge. Now to switch to another lender we will not be locked in at this low rate. This company is a joke.

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 2019-01-04
Company: Innovis
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: Information belongs to someone else

Complaint:
I AM A VICTIM of ID theft I have several fraudulent addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please delete the following : ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation