BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-09
Company: Comerica
State: CO
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I went to go take money off of my son 's XXXX card to pay the mortgage ( it's a direct express card ) I went to the ATM and it said insufficient funds, so I tried it again and the same thing. So I went to the car and called my card to see if the money was put on there and they did. Then I called and checked the transaction history and when I heard the charges I immediately hung up and called to dispute the charges. The charges are on XXXX XXXX XXXX XXXX  in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The second charge is the exact same as the XXXX except it XXXX. one minute later. The next charge is XXXX XXXXXXXX. in the amount of XXXX at a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Im confused on how anyone obtained this information as I only use the card at the end of the month or the XXXX  of the month at an approved ATM. I don't use it at stores or online and I don't keep ANY cards stored in my phone. I've already filed a police report with XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2018 a guy called XXXX XXXX who was working for me helping in a construction job, stole from my checking book that I kept in may car a BLANK check ( # XXXX ), and he filled with his letter and signed, coping my letter and sign from a check that a gave to him as a payment for his job. He cached a check in a bank call ( XXXX ) and my bank ( Bank of America ) pay the money from my checking account ( XXXX dollars ). When that happened I went to the bank and put a claim and I reported to the police. the first claim was denied and I do 2 more claims to the bank and they denied again, in the first claims they said that I gave the check, and in the last one they realized that it is a fraud but they said that somebody has access to the account. now the bank closet the case and dont refund my money that is the bank responsibility.

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 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/XXXX I submitted a dispute online with Trans Union about a negative item on my credit report. The negative item is XXXX XXXXXXXX XXXX Account Number XXXX I disputed that the Last Payment Made didn't match up with the Payment history. Its showing Last Payment Made was on XX/XX/XXXX but the Payment history is showing a Charge Off for the month of XX/XX/XXXX how is that possible? Once a Charge Off happens the account is closed. This is definitely reporting inaccurately. I sent Trans Union a picture of the incorrect information plus an explanation. They sent me back the same wrong account information but they said that the DISPUTED INFORMATION WAS UPDATED. They never did a proper investigation let alone a dispute. I know for a fact they didn't even dispute the account because where it says " Date Updated '' its showing XX/XX/XXXX this was over a month ago. I did my dispute on XX/XX/XXXX and the date completed was on XX/XX/XXXX they didn't even put Completed investigation of FCRA dispute-consumer in the Remarks section.

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 2018-08-25
Company: Atlantic Credit & Finance, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I'm filing a formal complaint the creditor Atlantic Credit & Finance Incorporated for continuously sending me a wrong receipts even after there has already been a settlement agreement and a payment schedule arranged. 
My ACF Account # XXXX. On XX/XX/XXXX my XXXX XXXX ( XXXX ) Account was settled for the amount of {$3700.00} instead of {$7400.00}. The first payment was made on XX/XX/XXXX for the amount of {$5.00}, after this payment the total amount due went down to {$3700.00}. On XX/XX/XXXX a payment of {$180.00} was initiated that went the total amount due down to {$3500.00}. 
On a recorded line on XX/XX/XXXX, a settlement conversation agreement with XXXX XXXX, the total amount of {$3500.00} was agreed & settled to be paid every XXXX of the month by automatic debit on my account for {$170.00} starting XX/XX/XXXX until XX/XX/XXXX totaling to 20 payments. This settlement agreement was clearly confirm when XXXX XXXX send formal letter with payment schedule. The letter was dated XX/XX/XXXX. 
However, on XX/XX/XXXX a receipt was created and mailed to me stating that Atlantic Credit & Finance received my payment of {$170.00} and that my new balance is {$7100.00}. I immediately bring this error to the attention of Atlantic credit & finance Account representative. I called and discuss the issue to them and on a recorded line, the representative apologizes for the error and told me that my new balance after XX/XX/XXXX {$170.00} payment is {$3300.00}. But the same error occurred again on XX/XX/XXXX when my payment of {$170.00} for this month cleared, Atlantic Credit & Finance has sent me a wrong receipt again, it states that after they received my XX/XX/XXXX payment my new balance is {$6900.00}. It is clear that Atlantic Credit & finance did not correct or worst did not acknowledge the settlement agreement which is very frustrating & unprofessional. I strongly insist that Atlantic Credit & Finance have to honor the settlement & correct the monthly receipts they are sending me. I have determined that the new balance after my XX/XX/XXXX payment is {$3200.00}. I already called Atlantic Credit & Finance so that they can correct the error but it seems that their finance department did not anything about this. Atlantic & credit & Finance have to correct the correct balance as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
on XX/XX/2023 I went to XXXX XXXX XXXX XXXX to purchase a car. I came in with a pre-approval. 

They used high pressure tactics to coerce my into signing an application for their own in-house financing. They told me that was the standard and I could not apply for financing without doing their own in-house loan application paperwork even though I told them I wanted the loan I had pre-approved and printed out in-hand. 

I told them I only wanted one inquiry on my credit record and they promised me that there would only be a single hard inquiry. 

As it turns out they were being dishonest and were indeed just coercing me into applying for their in-house product and not the XXXX XXXX loan I had pre-approved. 

They were unable to beat the rate I had pre-approved from XXXX XXXX via their in-house financing and so they took it upon themselves to shop around. This resulted in XXXX additional hard inquiries on my credit report. There are inquiries from companies we never even discussed or talked about that day such as XXXX XXXX XXXX finance ( we never discussed ) or XXXX  XXXX XXXX XXXX also never discussed ). 

I now have multiple hard inquiries on my report which I did not authorize. 

The only other company we discussed was XXXX and they told me that was because XXXX XXXX was unreliable and didn't pay the money they were due so it was better to use 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 2018-08-24
Company: Village Capital & Investment LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I spoke to XXXX XXXX XXXX at XXXX XXXX XXXX   about refinancing my property. He told me that he would assist me and asked that I send him over information that he needed to process my application. I sent the information to XXXX via email on XX/XX/XXXX. XXXX called me back and stated that my file has me listed as white, but I don't sound white. I told him that I have been listed as white since XXXX and I mentioned it, but it was never changed. 

On XX/XX/XXXX I contacted XXXX via work phone, cell phone and email, but he did not answer, or respond. I wanted to find out the status of my application. I also called the main number several times, but no one answered the phone. I finally spoke to XXXX on XX/XX/XXXX. He requested additional information and some information that I had already sent to him in XXXX. I expressed this to him in the email. 

During the next 4 conversations that I had with XXXX, I asked him why was the process taking so long. He stated that it was underwriting fault and he had been on them to get my application processed. XXXX also stated that underwriting was not able to get my account number from XXXX XXXX. He stated they called XXXX and was told they could not provide them with it. I asked XXXX why didn't he just ask me for the number, I could have provided that weeks ago. He stated that he didn't know why underwriting didn't think to do that. 

I contacted XXXX XXXX  and asked about the process for the request from Village Capital. The representative that I spoke to stated that they would not have told Village Capital that they could not supply the information. At that moment I put XXXX and XXXX on a 3 way call and expressed this to XXXX. He stated that underwriting must have lied and never called. 

Around XX/XX/XXXX I contacted XXXX again to get an update. He stated that he would contact underwriting and call me back. XXXX called me back and stated that my application was not approved because of my income. I had XXXX go over my income and noticed that he had not included all of my income and that I sent the documentation to him back in XXXX. He went through his email and said that he saw it and would call me back. 

XXXX called me back and stated that underwriting still didn't approve it and that he was sorry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: LEXISNEXIS
State: WA
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:
XXXX XXXX accounts has violated my rights. 1 5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
i did a complaint yesterday $ XXXX and when I logged in today my paypal balance was XXXX and my cash rewards was XXXX I called the company and was put on a long hold I gave up and am now waiting on a call back I fell retaliated against I've never felt victimized by predatory activity like this. 

a day ago, before my complaint, i had nearly $ XXXX in cash rewards and don't recall my paypal balance but it was substantial so now I have XXXX, XXXX, and my credit limit still not back to the original $ XXXX. 

and I'm in a queue for when they call me back. thank you CFPB this is when little folks like us need somebody that can shine a bright light I didn't ask for any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-02-24
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
TJX Rewards / Synchrony Bank Card On XX/XX/23 I shopped at XXXX in XXXX, NJ & the cashier talked me into opening a store rewards card ( my charge of {$97.00} was applied to account ). I was told that I could shop with temporary number anything my card was received & she stated that she put a piece of paper with the number into the cardboard billfold that housed the account docs. 

On XX/XX/23 I received the card & activated it. I then discovered that there was a balance of {$710.00} on the card. Additional charges had been made in PA for {$190.00}, {$100.00}, {$240.00} & {$63.00}. SYNCHRONY advised me on XX/XX/23 that they had opened a fraud claim when I reported these discrepancies to them. I also paid {$97.00}, which represented the only charge that I had made on the account. The account was closed & they stated that they were mailing a new card-which I told them not to do. Additionally on XX/XX/23 it was discovered that there was no paper in the billfold with the temporary account number written on it. I suggested that they investigate the casher at the store/receipt and review camera footage at that location and the other store locations where illegal charges were made without anyone requesting identification. 

A new card was received on XX/XX/23. I cut up the old account card & the new account card and returned both of them to Synchrony with a two page letter requesting the status of the fraud claim ( as well as providing them with a copy of the original receipt for my only purchase. ) I kept receiving emails to pay my bill so on XX/XX/23 I called Synchrony to request a status update as I do not want my credit adversely affected by this matter. XXXX at Synchrony advised me that there was NO RECORD OF A FRAUD CLAIM BEING OPENED on XX/XX/23. Another red flag with this bank! 

XXXX stated that as of today the fraud claim had been opened and that I was not responsible for charges, nor payment to Synchrony. She stated that I would receive a confirmation letter in 7-10 business days with the claim number and that the credit reporting companies would be advised so that it was not adversely affecting me. 

I also advised Synchrony that I remain unable to log into the online account for their bank. Despite multiple attempts to do so.

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 2022-10-26
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: Personal information incorrect

Complaint:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows my address : there should only be one. 
Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached a recent copy of my ( Bank statement, utility bill, ) for your verification.

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 2019-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am filing this complaint because my husband and I had a joint checking account with Capital One. The joint checking had a reward program which Capital One no longer offers anymore. Capital One was supposed to send a check in the mail to us regarding the reward program. We did not received anything regarding this reward program. My husband place a called and spoke with a representative they told him that it was mailed to a XXXX XXXX address. Prior to this phone call with Capital One allegedly mailing this off my husband had change our address two years prior to mailing it off and they could not explain to us why they mailed to an address that we no longer live at. The representative was not sincere in the matter and could not rectify the situation. At this point we felt that Capital One has bamboozled us and lied to us about mailing something they never intended to mail in the first place. Yes we know the account with Capital One was left in the negative but we still want to know what happen to the money that was supposedly mailed off that we never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: EQUIFAX, INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is a PAID Medical Debt Collection on my Equifax Credit Report ( See Attachment ). This Medical Debt Collection was placed on my Equifax Report in XX/XX/2018, not allowing for time to see if my medical insurance would pay for it. It should be DELETED/REMOVED as required by the National Consumer Assistance Plan ( NCAP ) for Medical Debt Collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: NC
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 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 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
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Good day! 

For a few months now, i have been complaining about a negative account that should be paid as agree. But XXXX, Equifax and XXXX keep on tagging it as late causing it to be considered a negative account which has been affecting my scores greatly. I have also complained about unauthorized inquiries in my account that i have no idea of and is in my account without my consent. I hope you can help me remove these as it has already caused me so much burden

Company response to consumer: Closed with explanation