BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: MI
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 violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

XXXX {$43.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXXXXXX {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$300.00} 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 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 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 2020-03-20
Company: LD Holdings Group, LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020 I signed a refinance contract with Loandepot. 
There were two checks issued. 
One for XXXX One for XXXX made out to XXXX Not cash able according to XXXX. 

Spoke with XXXX XXXX at Loandepot Return check and receive a replacement. 
At my expense. 
Ok fine. 
XX/XX/2020 still no check. 
XXXX XXXX is no help. 
Loandepot originators are accepting no fault. 
No movement on this and mortgage is due XX/XX/2020. I will pay on time as usual iaw previous payment history. 
I am a loyal customer. 
Seriously XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-20
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was previously told by FedLoan Servicing that I would receive information about an updated income-driven repayment plan that I filed on XX/XX/XXXX on XX/XX/XXXX. As of XX/XX/XXXX, I have not received the email FedLoan told me I would receive on XX/XX/XXXX or prior. When I call FedLoan Servicing on XX/XX/XXXX, I am now told that my plan is not ready by the automated machine ( the system would not let me talk to a live representative as far as I could tell, because all calls regarding income-driven repayments are directed to an automated system ). I am hoping for an updated payment amount as I believe that this would reduce my payments and given that I used the IRS retrieval tool for my income, I fail to see how something that should most likely be an automated process can be delayed. As I am working towards PSLF, I do NOT want to be put in administrative forbearance while this is figured out because I want all months of employment to count for PSLF. As such, I would like to continue to remain in repayment while this is figured out, but wish for it to be figured out as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
erroneous and inconsistent information and payment history reporting across credit bureaus damaging my credit report. Multiple disputes and attempts to remove erroneous accounts and information have been made in the past year with no removal of unlawful Car accounts that were settled to delete. Lawsuits are the only next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. i have the right to privacy.

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not fumish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containingany of the following items of information any other adverse item of information, other than records of convictionsof crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer to any consumer agency if the person known or has reasonable cause tobeliveve 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 explanation
Consumer complaint received 2022-03-27
Company: MS SERVICES LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This Item has been deleted from the other two credit bureaus such as XXXX and XXXX because this debt is not been validated or verified by MS services or by the original creditor XXXX XXXX XXXX XXXX even after I attempted to validate by asking for a statement or original contract bank states account is too old and they don't have that document. And MS services keeps adding interest to the original balance that has not been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was granted a PPP loan as a XXXX XXXX and XXXX XXXX of XXXX XXXX XXXX, and funds were disbursed on XX/XX/2021 did not take out the funds based on the facts my bills for XXXX XXXX XXXX  of XXXX XXXX XXXX was not yet due, and as of XX/XX/2021 the hardship that Capital one has caused my business  is unmerited and I am filing a complaint for discrimination  against my race and business entity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX  XXXX has violated my rights.

15 U.S.C 1681 section 602 A. I have the right to privacy.

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions 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 records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer 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 explanation
Consumer complaint received 2023-02-17
Company: TRUIST FINANCIAL CORPORATION
State: UT
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
Long ago, when I lived in XXXX, XXXX, I opened a Roth IRA CD at Suntrust Bank. That bank is Truist. I received a letter in the mail saying that my CD has matured and to contact them to roll it over. Ive called my local branch and Truist customer service explaining to them that I want the CD rolled over into a CD that pays a higher interest rate than 0.01 %. Everyone tells me they can do nothing for me unless I physically go to my bank branch. I now live in XXXX, XXXX miles away from my branch. Ive tried and tried to get someone to help me, but no one can. They say I must fly XXXX miles to get a problem corrected for a CD worth {$3400.00}. I may never be back to XXXX, XXXX, so I can never have access to my money.

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 2020-03-20
Company: SYNCHRONY FINANCIAL
State: FL
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:
I have disputed the balance on a Synchrony bank/paypal account several times. Only to find out that the fraud department only has record of two. So this means the customer service department is not following through with consumer fraud complaints. I disputed the balance on several occasions. Only to have one of the disputes that finally was addressed to be denied because the  account received payments in the past. I was advised to continue paying the account while the account was being investigated by paypal. I have since stopped because the issue was never resolved. Now instead of fixing the issue, Synchronybank has taken up the account and has ruined my credit score. They are constantly reporting the account closed and then open. They  have closed my XXXX account ( also owned by Synchrony ) even though the card was never late and paid off. They are changing the past due from 90 days to 30 days. Then back to 60 days past due. This reporting has caused my score to drop over 70 points. The account was disputed 3 times in XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXXWhen I call customer service, I am told not to pay on the account as it is under investigation but while it's under investigation Synchrony is still  reporting negative remarks on my account.

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 2023-03-11
Company: Advanced Resolution Services Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Ars, Advanced Resolution Services, Will not place a security freeze on my consumer file, I have supplied them with all the correct information multiple times. I have tried contacting them via telephone, email and via certified mail. All attempts have failed. They say they can not place a security freeze over the telephone only or email only via their website. I have tried to place it via their website. I have uploaded all proofs of identity with the correct address. I received a letter in the mail on XX/XX/XXXX, mail saying that they can not place a security freeze because my request has to be mailed in. I have mailed two proofs of identity along with the security freeze request form from their website and a hand signed letter with my signature, and the address on the website says that it is undeliverable. My preferred method of contact is email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021 I sent 10 pages of confidential and highly personal information to USAA Federal Savings Bank via Certified USPS Priority Mail as per their forms/contact address to establish Power of Attorney for my 5 banking/insurance accounts with USAA FSB. On Friday XX/XX/2021 @ XXXX I received an email from XXXX XXXX, USAA XXXX Fulfillment Specialist writing to state my POA request could not be completed or established because of missing pages. ( The mailed documents included 6 pages of very personal info per USAA form and 4 page copy of my legal Will- notarized by my attorney on mailing date XX/XX/2021 ). The email from Ms XXXX contained no information on what pages or documents were missing, nor how or when they went missing. I was advised to go to online account and submit forms or call the main bank number for assistance. The online forms were the same documents mailed! There were no communications in my bank account inbox regarding the events. 
To date, Ive sent 4 emails, made 4 phone calls - one answered- and after more than 8 minutes the CS rep ( XXXX is? ) advised my call had to be transferred to a Banking Specialist. After waiting on hold another 15 minutes, I was disconnected. Subsequently I contacted USAA via the online chat. ( This chat is saved ) ; after 22 minute chat, rep again could only advise a phone call to a Banking Specialist. I am unable to discover what personal and confidential information is missing or other breech of privacy events may have occurred from USAA and their representatives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
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:
I had a car accident in XXXX of 2018 that led my car being totaled. Credit acceptance knows of everything. They have my account as open when its supposed to be closed and sent out to collections. This is causing my account to constantly be dinged as 120 days past due. I have provided gap coverage from the contract I signed when getting the car. They didnt satisfy the loan so they have sent me through so much troubles to get this off my report. They have garnished my checks which is really a pain because I dont have it. They are fraudulent crooks. They have no reason having my account as an open installment still.

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 2022-08-17
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act Amazon store card account number XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2021-05-05
Company: NCB Management Services Inc.
State: NY
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:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. All reporting needs to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citi savings account in XX/XX/XXXX with a {$450.00} promotion for depositing and maintaining a {$50000.00} balance. The terms stated that i had to retain the {$50000.00} for 60 days, then the {$450.00} would be paid within the next 30 days. 
After the 60 day period passed, and the 30 day waiting period passed, i did not receive my bonus. 
I reached out to Citi, who told me that i'd receive the bonus in 2-3 days. That didnt happen. 
I then reached out and was told that my 30 day waiting period ended on XX/XX/XXXX, so i'd receive my bonus then. That also didnt happen. 
I was then told my issue was sent for review and that i'd receive a response in 5 business days. That also didnt happen. 
I was then told that the team reviewing cases that typically have a 5 day XXXX were on a backlog and that there was not a clear timeframe that could be provided.

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 2022-03-27
Company: The CMI Group, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Old account with XXXX XXXX where debt was owed in XXXX of XXXX has been paid in full as of XX/XX/XXXX. Debt collection company, Credit Management LP refuses to remove collection and continues to falsely report on credit report as derogatory and seriously past due with no current balance. Attempts have been made to dispute collection and Credit Management , LP continues to report debt as accurate which is simply inaccurate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
American Express website did not allow for me to login to make my payment resulting in a 30 day late. American Express also had wrong personal information as far as contracting me to make notice of past due bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-12-07
Company: Payfare International Inc.
State: TN
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:
I transfered XXXX $ from my XXXX XXXX  account to my XXXX XXXX card. The money was removed twice from my account. It put my account in the negatives XXXX XXXX so when i got paid this week that was deducted from my check. Ive contacted both companies and they both blamed it on the other. Im not sure whose at fault. I have screen shots of my transactions from the last week to show proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Credit Card Application # : XXXX Inability to give me access to this account is securities fraud for withholding an extension to my own credit and will be notified to the SEC and FTC. Please retract my application from reporting to my credit profile if you are unable to acknowledge a completed application and give me access to this account as stated under the regulations of the Equal Credit Opportunity Act and Truth in Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: AmeriCollect
State: NC
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:
I wrote to XXXX, XXXX, and XXXX Requesting an investigation of the following inaccurate accounts reporting on my credit report over 30 days ago. They credit bureaus claim that they have completed a reasonable investigation with the furnisher of the account And verified a 100 % that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile which is causing damage to my credit score.

Account # :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only my student loans. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. 

- Capital One  in the amount of {$3700.00} was opened on XX/XX/XXXX. 
XXXX XXXXXXXX XXXX was opened on XX/XX/XXXX. 
XXXX XXXXXXXX XXXX for {$610.00} date opened is unknown. 
XXXX XXXX for {$4800.00} dated opened XX/XX/XXXX -XXXX XXXX XXXX of {$1400.00} date opened unknown. 

I did not open these accounts.

Company response to consumer: Closed with explanation