BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-21
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
ALL BANKS DENYS ME SAID HAD BANK BEFORE AND I DIDN'T HAVE THOSES BANKS

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 2021-04-14
Company: Experian Information Solutions Inc.
State: TX
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: Other problem getting your report or credit score

Complaint:
My identity has been stolen and all three major credit bureaus have placed the alerts and freezes. However unknown to me is that other people have accounts in my name with the credit bureaus. XXXX XXXX also has an account with another person on it. I did call and got things fixed with Experian but the thief has over taken my account again. All I can do is cry, these people steal every email I make, they stole my main email account that I have had for over 15 yrs now, it had all my accounts in it. They have used most every account I have. I dont know what else to do, I did file police reports when it first happened and its someone local to me doing this. They have copies of my id birth certificate etc, because there were copies in my emails to certain people when I had my XXXX email account. That account is XXXX. Im not able to get ahold on any of my accounts with the three major credit bureaus. I have made an email account its XXXX, Im not sure how long it will last but as of now I think its secure. I was also in the XXXX data breach with XXXX  and Im just now learning of it because the thiefs got my notification letter about it, not me. Im certain they have filed a claim, well I know they did I saw the email about it. And Im the one going through XXXX because of it. I dont even have a debit card Because my bank says Im high risk because so much money has been stolen from my account. I cant even have online banking. Its a lot that I am going through, no one wants to listen to me this was my last resort. My phone number is XXXX. Please help me, please XXXX XXXX XXXX XXXX XX/XX/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 2020-08-31
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 I charged some items to my Victoria Secret Credit Card {$90.00}. The cashier was on line with a representative because the cashier was having problems with the credit card. The representative spoke to me on the phone both the cashier and representative were taking to long to take care of me so I told the cashier to cancel my purchase and she did by phone and transaction. I asked the cashier if my transaction was canceled correctly she said yes. I did not take the items the items were left at the counter and I left. The following month the bank was charging me for something that I don't have and months went by now creditor 's want to collect {$300.00} they are harrasing me for money that I do not owe and my credit is bad becuase of this please help with this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a stalement from your company requesting of a payment from XXXX XXXX in the amount of {$280.00}. I am willing to pay off this account in the full amount of {$650.00}, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 
According to 12 U.S.Code 83, " No national bank shall make any loan or discount on the security of the shares of its own capital stock ''. No money, devices, or services were loaned by CAPITAL ONE to XXXX XXXX nor CREDIT WITH XXXX. I request documentary evidence on account ending in XXXX, pursuant to 15 U.S Code 44 which states that it must include all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all-caps name. I require this clarification in order to address the billing error for the amount shown in Exhibit ( A ). I need clarification as to who funded the account and how much is owed according to the journal and ledger entries from the date of opening of this account as described in IRS Publication 583 as the 10-K. On the public and private side showing accounts receivable and payable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-16
Company: SYNCHRONY FINANCIAL
State: CA
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

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 2022-05-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I XXXX XXXX XXXX received a copy of my consumer report and noticed unauthorized inquiries and fraudulent accounts on my consumer report. These accounts are hurting my reputation and hindering me from getting a second job and going back to school to support my family. Im severely stressed because my consumer profile is vital and these fraudulent accounts is these reason I cant get job to support my family I filled out an Identity Thief FTC report see enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a long time Bank of America customer. No overdrafts nor bounced checks. I had a {$6000.00} commission check and went to deposit it about XXXX XXXX on XX/XX/XXXX. I needed the money by this Friday and asked the person at bank if it would clear. She said first {$300.00} would be available that day the balance the next day. Once I deposited the check it said there was a hold until XX/XX/16. When I was upset that she told me wrong she said call the XXXX #. If I knew it wouldn't clear I would of went to the bank it was issued from ( XXXX XXXX  - a local bank here in Connecticut ). I found out from my real estate broker the check cleared the same night. She provided me with a copy of the check that cleared as well as seeing the {$6000.00} come from her account. I was told the reason it was held was based she ran out of checks and gave me a starter check that didn't have her broker name on it. That was ( I assume ) marked suspicious. I have called several times and talked to people at different levels. I told them the check cleared and I can provide proof and give them my broker 's phone number. I feel the bank is playing with my money as since it cleared the same day I deposited it there is no possible way it will take that long to get into my bank. My money is out there some where and I want it. If it didn't clear I would understand, but the funds were removed from her account that same night. Everyone is rude at the bank. The day it happened I tried to reach the branch manager at the bank and she would not call me back. This is totally unacceptable. Please tell me what can be done. They need to be held responsible for their rudeness. 
Thank you.

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 2023-01-16
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  These inquiries do not belong to me

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 2022-12-16
Company: Experian Information Solutions 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:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX  XXXX Date Open XX/XX/XXXX Balance {$0.00} and XXXX XXXX  XXXX XXXX. XXXX Date Opened : XX/XX/XXXX XXXX {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions 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 am a victim of identity theft

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 2023-07-31
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage servicer : BSI Financial services XXXX XXXX XXXX XXXX XXXX, TX XXXX Loan number XXXX This company keeps sending me threatening letters even after I have provided insurance renewal documents over a month ago. My insurance agent has contacted them and provided required information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: JPMORGAN CHASE & CO.
State: CA
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:
I'm writing to dispute the rebill amount of {$1000.00} as of XX/XX/2018 that has already been settled with the merchant. Until providing proof in writing of the Bill of Sale and Authorization for this unauthorized charge in 5 business days this charge is consider determined to be Void. As consumer will NOT BE HELD RESPONSIBLE for any mistakes from the Creditors or the Merchant. According to ( FCBA ) Fair Credit Billing Act, it is mandatory to comply with the disputed requested submit in a timely manner of 5 business days. Failed to comply will be determined as void, as I already bring this matter to the Federal Trade Commision and Consumer Finance Protection Bureau in regards to this unauthorized rebill charged. The dispute in favor of consumer request to the creditor is mandatory to comply by 304. Disclosure of fair credit billing rights, 305. Disclosure of billing contacts, 306. Billing practices, 161. Correction of billing errors, 162. Regulation of credit reports, 168. Prohibition of tie-in services, 170. Rights of credit card customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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:
Information reported that does not belong to me : NAMES : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ( MY ONLY NAME IS XXXX XXXX XXXX ) ADDRESSES : XXXX XXXX XXXX XXXX, CA XXXX ( MY ONLY ADDRESS OVER 7 YEARS HAS BEEN XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX ) EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( MY ONLY EMPLOYER IS HXXXX XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Inaccurate information on my credit report, names and addresses reported are very wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Inaccurate information on my credit report, names and addresses reported are very wrong

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-01
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Arbitration

Complaint:
I called to negotiate a credit payment. I was asked how much I was able to make and put in my payment. They said they were going to put me on a program so I could work on paying off my credit card. They said they were lowering the interest and they were going to accept my lower payment. I received a phone call this morning saying I had n't paid the full amount and still owed money. This was news to me since I was under the understanding that the amount I had put in was fine. Now my minimum payments seem to be higher than before I called. I 'm really frustrated because I feel like I was lied to when I called to negotiate so they could get more money out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone I do not know hacked my computer and made fraudulent charges on my account that was made on XX/XX/2019.

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 2022-07-09
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I obtained a first mortgage from Truist Bank on an owner-occupied residence. 
I was required to open a Truist checking and savings account to receive a preferred rate on the mortgage, even though I did not bank with Truist at the time of origination. 
After making the first payment, I set up an automatic payment authorization. 
When the first payment in XX/XX/2022 following setting up the authorization was due I received a notice that there was not sufficient funds in the checking account. I transferred funds to the account from a savings account and the balance was shown as being paid. 
I received a notice my automatic payment authorization was withdrawn for the XXXX payment. I went online to pay the mortgage and found my online payment options had been XXXX. I called a customer service representative who would not take an authorization to transfer funds over the phone ( even though they could access my account information and confirmed my identification ). 
I spoke to the loan origination closer I worked with and was informed the XXXX payment was not made. I had to go to a branch and was informed the XXXX payment was made, similar to what I had seen on the system but contradicting the information from the loan closing professional. 
I have found that the mortgage was reported as delinquent to credit bureaus resulting in a significant decline in my credit score, even though Truist reported it as current. I find it odd that there is confusion around the payment status, that the bank actively limited my ability to pay the loan conveniently. I feel my credit score has been damaged unnecessarily by this incident.

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 2023-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit 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:
I filed a charge back with Capital One after the company XXXX XXXX XXXX XXXX ( XXXX ) had me pre-pay for a service, violated our contract by not performing that service ( they never showed up on our scheduled date and time ), and then not refunding my payment. At first, Capital One provided me with a credit. Then, they reversed the credit. I called and asked why, and they stated that it was reversed because XXXX lied and told them that I canceled the appointment. That is not true. I waited for the detailer to show up, and when no one showed up, I called XXXX and the agent said she couldnt get ahold of the detailer. She offered to reschedule, and that it would be with a different detailer, but she wouldnt be available to detail my car until days later. I declined and said I would like a refund since I didnt receive the service. She obliged and said she put in the refund and I would receive it in 7 to 10 business days. That time came and went, and when I would email XXXX they never responded. When I called, I would constantly get the runaround and agents would state my refund should have processed by now and that a manager would call me back. A manager never called me back. At this point, my only choice was to file a charge back with Capital One. This business ( XXXX ) has dozens of the same reviews on XXXX. That no one shows up to perform the service, and they never refund the customers. Im surprised that a company like Capital One believed their lies that I canceled the appointment.

Company response to consumer: Closed with explanation