BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I had a HELOC with Citizens Bank. In XXXX of XXXX I applied for and received approval for a HELOC with XXXX XXXX XXXX! I requested a payoff figure from Citizens Bank in order to pay the balance due on the HELOC I had with them. On XXXX XXXX I received an itemized letter from Citizens, detailing all the balances and fees that were included in the payoff figure. Included in those figures was a {$100.00} Discharge Fee! I recently noticed that money had been taken from my checking account at Citizens to pay for this fee, on XX/XX/XXXX. By doing this Citizens overdrew my checking account and then charged me a {$35.00} overdraft fee!! I shouldn't have to pay any fees as long as the amount requested in the payoff figure was satisfied, before the " payoff valid through date ''! XXXX also requested that my HELOC account be discharged, via written docs signed by me. Citizens is telling me that I never requested for the account to be closed therefore they can charge a fee for having it open, even though the request was made in XX/XX/XXXX. 
P.S. XXXX XXXX cut the check on XX/XX/XXXX. Citizens Bank stamped Received on XX/XX/XXXX, on the front of the check. Yet the reverse side of the check shows it was processed on XXXX!!! Is this not illegal?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
TransUnion Hard inquiries XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX Bank XX/XX/XXXX - XXXX   XXXX XX/XX/XXXX - XXXX Bank XX/XX/XXXX - XXXX I never authorized these inquiries. I called TransUnion to dispute but haven't been contacted since.

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 2020-08-09
Company: Experian Information Solutions Inc.
State: TN
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 reported identity theft on my account. Experian returned by saying they did NOT believe the complaint came from me. I submitted the FTC Report, Driver 's License, Social Security Card AND Utility and NOW I have had my document notarized! They are stalling and if this does not solve the issue, I will sue them and take them to court!

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 2021-05-01
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Landlord, XXXX XXXX did not give any notice before sending an alleged damage claim to XXXX XXXX XXXX XXXX XXXX states according to Lease agreement without a forwarding address landlord did not need to contact to advise of alleged debt prior to placing on all three reporting agencies. The lease requires a forwarding address for a security deposit but not for the risk fee charged. Landlord never took a security deposit although they charged a risk fee in connection to a security deposit. Then used the laws governing security deposits to attack our credit without warning although no security deposit had been charged or paid. The risk fee was charged and paid not a security deposit and there is no move out protocol given for a risk fee. And as such, we were not required to give a forwarding address in accordance with the lease agreement signed. Landlord had mobile phone numbers and email addresses, yet made no effects to resolve this issues before attacking our credit. In addition, items listed for cleaning charges are not listed in the lease agreement. Landlord waited eights months after move out to attack our credit without warning. I've disputed this debt with the collections company. They are aware the legal forwarding address requirement is for security deposit not risk fees and no notice was given prior to placing damaging items on credit report and they have chosen to move forward with an alleged damage debt. This alleged damage debt was place on our credit at the exact time that I was submitting applications for apartments. One such complex waited three days called with a denial based on the above and has yet to put the denial and or conditional approval in writing as required by the consumer fair credit protection law. The landlord intentionally sought to damage our credit, and I am now being locked out of housing and forced to pay debt regardless of dispute because such damaging items deny one the ability to seek future rentals. The landlord used the credit reporting system as first resort while never giving us the opportunity to dispute items with them and or make payments if necessary to avoid negative credit effects.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: CL Holdings LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I sent a debt validation letter by certified mail which was received by the debt collector on XX/XX/2022, according to XXXX certified tracking information. It is now XX/XX/2022 and I have not received any debt validation information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
The day Lowes finished building my porch XX/XX/2019 I knew it wouldnt pass inspection, the wrong materials were used as well as inferior ones, also six steps were built instead of seven, so I refused to sign work completed form but Lowes charged my account without my authorization the porch is still flunked by building department I fought with Lowes to get XXXX of the XXXX they charged I was told by them I would be in for a long hard fight to get anymore and they are true to their word I cant even get an estimate from anyone to repair as no one wants to repair anothers job that was flunked by inspector

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 2022-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report and I was denied credit limit increase on my XXXX card because of too many inquiries from capital one and XXXX XXXX bank and I have duplicate inquiries from XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: SUNRISE CREDIT SERVICES, INC
State: NY
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 received a few phone calls from SunRise Credit Services about an account that got opened with this company from XXXX XXXX XXXX. I made a three-way phone call to them with a XXXX representative, and this " collection agency " gave them an account number and address for me, and they had nothing for me. This company, SunRise is a fraud, I gave them 30 days to remove this fraudulent account from my credit that doesn't exist, or I will sue them! I asked them to send me a validation of the debt letter because I have had active service with them for years and have never been behind. They never sent the validation letter, and yesterday XX/XX/2022, they put it on my credit as delinquent debt.

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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment on my Capital One Quicksilver credit card on XX/XX/XXXX, The payment amount was {$820.00}. I was informed today when inquiring why I haven't received the available credit on my card yet that it would not be available in XX/XX/XXXX. That is ridiculous. Almost XXXX weeks to have a payment credited. The customer service person was useless and transferred me to a supervisor who was even more useless. I asked to be transferred to a higher level person and was told there was not one. 

I had XXXX payments returned back in XXXX the supervisor told me on the account although the account was never past due. In the meantime I have made multiple payments each month since then with none of those ever being returned. Although she could not confirm that was why this payment was being held. 

I use this card for business so I am constantly paying it off and recharging on it. In the past the longest they have held a payment was 3 days and most times the credit is available the same time I make the payment. 

The money was out of my bank account the very next day. In this day and age of electronic transaction it is incomprehensible to me that a company can hold a payment for almost XXXX weeks to ensure the payment clears. They know within a day if not XXXX days if the payment was successful or not. 

I would like a reason why this payment is being held for such a long time. It is totally ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was applying to see what I was preapproved for with XXXX XXXXXXXX with the understanding that it would not affect my credit and I would not receive a hard inquiry. I received a hard inquiry and my credit score decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Experian Information Solutions Inc.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had no difficulty putting a 'freeze ' on my credit reports with XXXX or XXXX . On the other hand, Experian required that I answer more questions and provide more information ( that I entered 3 separate times ) and then denied completing my online request saying, " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' They said I must instead send copies of ID by mail as well as all of my personal information. They provided a telephone number for customer service and implied this was another option for identity verification ( as it was with one of the other two companies ). After requiring me to provide much of the same personal information ( computer, not a person ) on the phone they said they would only accept mailed information, repeating a long list of what they would require and then just hung up. There was no option to speak with a customer representative. 

It appeared that Experian really had no option to complete the security freeze online even though they presented this as a routine option on their website.

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 2020-08-09
Company: TD BANK US HOLDING COMPANY
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:
On several occasion, I contacted TD BANK USA/Target Credit card about a credit card that was issued during a fraudulent transaction. During XXXX ( months of XXXX, XXXX, and XXXX ). This credit was open fraudulent and I never received a bill on the mail about this transactions. Anyhow, I ended paying the due amount. TD Bank USA/Target Credit agree on removing the negative payment history from my credit card. Yet, they did deleted from XXXX. But, it stills show on XXXX and XXXX. After several attempts with Target, the negative payment history still showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had a fraud transcation in the amount of {$360.00} on my account on XX/XX/2023, my wallet was stolen and card was used. I contacted navy federal to advise of the fraud transcation. I was provided with an provesional credit. After 30 days i recieved a letter from the bank stating that they reviewed and determined that no occurred accured and would be reversing the credit. I immediatley contacted navy federal to advised this is incorrect and that I didnt not have my card, The rep i spoke to advised me to send an email via the portal and they would reopen the claim and this would stop the adjustment. as of today XX/XX/XXXX the adjustment of {$360.00} was removed from my account and now my account is in negative. I called this morning to speka to the fraud department and spoke to a supervisor XXXX who ws no help at all she was very rude. I explained to her what her rep advised me and she told me there is nothing they can do so i asked to speak to her manager and she denied the request and stated that she was not going to send my concern to her manager, when requesting her name i asked for her first intial to her last name so that i can file my compliant and she denied and advised me that is not there process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
First of all, Transunion still reports a 30 month late on a vehicle I have paid off back in XX/XX/XXXX, still effects my score. I filled out an online dispute using their dispute page back in XX/XX/XXXX to get it cleared up. On my quick view report via XXXX, it still shows 1 late payment on my report and my score is almost 90 points lower than XXXX and XXXX. I called a few times to get this corrected and also get my free report this week XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX and each time I get hung up on. All I would like is to get this fixed because I would like to buy a home soon. 

Regards, 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
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX 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 no consent is 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 2023-04-12
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Acct # XXXX I have tried numerous times to reach out to Shellpoint mortgage to escalate the payments from XXXX. These payments are sent every month at the end of the month for the following month. I am now missing two payments. The payment for XXXX sent to previous mortgage company ( XXXX  ) received on XX/XX/22 was a missing payment that has never been applied. I was told previously by XXXX XXXX that this was found and going to be applied but never has. This has caused my account to show 60 days late. The current payments that are being sent are taking 30 days to be posted to my account as well. I have tried reaching out and explaining this but get no response as to when this matter will be handled. Since this missing payment has never been applied it is causing the payments coming through to post to the month prior.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CREDIT COLLECTION SERVICES BOUGHT TITLE TO A DEBT THAT HAS ALREADY BEEN CHARGED OFF AND IS NO LONGER VALID. THEY ARE NOT IN ANYWAY A CREDITOR BUT HAVE USED MY PRIVATE INFORMATION IN COMMERCE IN VIOLATION OF ILLINOIS STATE LAW. ACCORDING TO ILCS THEY MAY BE HELD LIABLE FOR CONSUMER FRAUD AND IDENTITY THEFT AND I WANT THEIR FRAUDULENT CLAIM ERASED FROM MY CREDIT FILE.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Block, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hi, I am a XXXX resident and I was robbed of my phone on Friday night/Saturday morning. Here is the order of operations : On Friday night, my phone was stolen. Then after that, the thief ( maybe multiple ) continued to withdraw money on multiple accounts including Cash App. They changed my log-in and other personal information such as phone number and email and Cash App allowed them to get away with it. They have now taken roughly XXXX  dollars through the checking account listed in my account causing insurmountable financial damage along with XXXX dollars that was in my app itself. XX/XX/23 at XXXX XXXX - Stole {$50.00} XX/XX/23 at XXXX XXXX - Stole {$2200.00} XX/XX/23 at XXXX XXXX - Stole {$5000.00}. I filed a police report and am working with a detective. I provided the company the police report as well as the detective 's phone number. I provided them my statement and verified my identity. They refuse to return my money or provide me any explanations for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up under the BONUS400 promotion, which states : " Open a XXXX Checking account between XXXXXXXX XXXX. ET on XX/XX/XXXX, and XXXXXXXX XXXX ET on XX/XX/XXXX. When you open your account, enter your promotional codeBONUS400. Receive at least 2 direct deposits totaling
{$1000.00} or more to your 360 Checking account within 60 days of account opening. A qualifying direct deposit is an Automated Clearing House ( ACH ) credit, which may include payroll, pension or government payments ( such as Social Security ) by your employer or an outside institution. '' I opened the account on XX/XX/XXXX. I received the following direct deposits : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX The terms stated it should be paid by XX/XX/XXXX. It is now XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notification from credit reporting that a collections account from LJ Ross Associates had been placed on my credit. I did not receive any notification from the company to investigate or dispute nor do I have any notifications of the debt from my healthcare provider.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened the account with XXXX dollars then deposited XXXX and when XXXX  came I tried to log in and they closed my account & when I called them a lady hung up on me and Said Im not allowed to talk to you about this account thats ridiculous how the accepted my money now wont send it back or answer calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation