BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX. XXXX Balance : - XXXX XXXX  XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$11.00} Bankruptcy : XXXX XXXX Reference # : 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 2022-11-21
Company: CONST LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XXXX is a peer to peer lending company that uses borrowers crypto to collateralize loans from investors ( like myself ). I've been investing with them for almost XXXX years and currently have {$41000.00} with XXXX. As of XXXX days ago we received an email saying all business operations have been ceased and no withdrawals or deposits will be allowed. They said they'll update customers within 10 days, but no one can reach anyone of significance at the company to find out any more details. It appears the company has scrubbed their XXXX page and the XXXX pages of top executives. All collateral and client 's investment funds are supposedly held at or processed through XXXX XXXX XXXX ( registered SEC company ). XXXX XXXX keeps telling us to contact XXXX and won't give us any information, so we have no way to find out what's happening with our funds/collateral or if everything is gone. 
I have filed complaints with XXXX Police Department, XXXX, SEC, XXXX, and XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-31
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is a written notice to XXXX XXXX as ceo of Synchrony Financial XXXX the consumer am invoking my right of recsission pursuant 15 usc 1635. I rescind all signatures, endorsements, and consents of my information there of. I expect my information be deleted, and all money be mailed by check to the address of XXXX XXXX in good faith.

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 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX has failed to verify information I dont feel a proper investigation was done and investigation was opened XX/XX/XXXX and its now complete and today is XX/XX/XXXX ask for validation who verified that no one can give me that information I am requesting now to file a formal complaint about XXXX not fully doing a investigations and not providing the information on who validated and verified this account the payment his and date valves are all inconsistent information across the bureaus which does not meet the FCRA laws which by law requires them to remove this account permanently I am disputed the inaccuracy multiple times and nothing was done as you can see there are results within three days from the previous dispute, so how was the investigation properly done XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  XX/XX/XXXX FCRA violation 15 usc 1681 I am currently in the market to buy a home and was reviewing my credit report & found some errors in the reporting of ( XXXX XXXX  open XX/XX/XXXX ) You are reporting information about me that is inaccurate.All three credit bureaus are reporting different high balances.on this account I. As you are aware there can only be one high balance on an account. This account has not been properly verified.Delete the following account immediately for failing to comply with the FCRA ( XXXX XXXX  open XX/XX/XXXX ) Thank you for your time, See attachment

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 2019-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was charged 9 times fees for balance inquiry, 8 times in one day and then next day. I didn't inquire balance when I am doing withdrawal. 
Bank of America closed all ATM in my town and I have to pay {$8.00} for each transaction because I don't have any other options. 
This is not the first time bank of America charging me inquire fees when I didn't do any inheres In XXXX I paid {$12.00} in those fees and in XXXX I paid {$22.00} totaling {$35.00}. This is not including other fees that I paid to withdrew the funds.

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 2023-12-27
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened a business account at Citibank on XX/XX/XXXXXXXX  at the branch, filling out all the forms that were provided to me. XX/XX/XXXX I received an email message to contact the bank, which I did. I was directed to the Citibank XXXX division which told me that my paperwork was not complete. I was directed to complete a business ownership form which I did and faxed into Citibank ( I have a receipt that the fax went through ). XXXX  month later I attempted to deposit some checks into my account by my mobile phone which was unsuccessful. I went to deposit them at ATM machines and that was also unsuccessful. After inquiring at the branch I was told that my account had been frozen from about XXXX  and that XXXX  checks had bounced and XXXX  EFT payment refused to a credit card. At the branch, they inquired further and found that I needed to have the business ownership form completed which we did through the branch. It was the identical form that I had completed and faxed in. The account was unfrozen a few hours later. At no time did I receive any notification by text, email or snail mail that the account was frozen and it was only on XX/XX/XXXX in a letter dated XXXX  that I received notification that the autopay for the credit card was canceled.

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 2021-08-30
Company: Experian Information Solutions Inc.
State: MI
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 contacted the creditors & bureaus regarding these inaccurate inquires on my report. I have not gotten any help I keep calling and calling getting the run around its been months I need this removed ASAP going against my rights I dont even have accounts with these inquires man.

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 2022-07-25
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
On XX/XX/2022 I briefly went over my credit report. I see a lot of unauthorized things reporting on my credit report. I recently had everything stolen from me. I filed a police report, and the documents is in the attachments. FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) THE CREDIT BUREAUS YOU MUST FOLLOW THE LAWS.

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 2023-01-11
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am the properly authorized consumer and I am submitting this dispute on my own without any third parties, with the intent to not be discriminated against for exercising my rights and applying the federal laws put in place to protect me the consumer. On XX/XX/22 a certified notice was sent to BARCLAYS in reference of a billing error. BARCLAYS failed to clarify the billing error, but instead used XXXX identity theft with extortionate means for the collection of an extension of credit. Please see attachment.

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 2022-06-16
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX we were refinancing our home to get a lower mortgage rate. My wife and i both got XXXX the week we were to close on the refinancing. since we could not sign the closing documents at that time we called Freedom Mortgage and tried to set up another closing time. they put us in COVID which had us not paying any payments for 12 months. this was over on XXXX XX/XX/XXXX. In XX/XX/XXXX my wife and i called Freedom Mortgage and was told that they would be sending us a new contract. We received this contract in XXXX XXXX we took it to a notary and signed everything then sent the packet back. We started getting calls from Freedom Mortgage on a bi-weekly basis stating that we were behind on our payments in the amount of {$25000.00} and we needed to make a payment. We told the collections department of Freedom Mortgage that we had already signed the new contract and that we were going to make the first payment on XXXX XX/XX/XXXX like the contract said and we also asked why they were calling since our new contract was signed and submitted. We were told that there was an error on the new contract and that it needed to go back to the underwriters for corrections, we would be getting a new contract to sign but to make the payment on XXXX XXXX like we agreed to. We did make XXXX and XXXX payments but we never recieved any new documents and the debt collection calls still came weekly to bi-weekly. i spoke to several different representatives and none of them would give me the same answer, i finally asked if they could tell me if my XXXX and XXXX payments were on my debt or on my new contract and again i never received a confident answer. one person would tell me one thing and someone else would say no that is not right. It is now XXXX and again i received a letter from the underwriters saying that they approve my loan and the documents are coming. The debt collectors are still calling and now they are starting the process all over again, they said that my payment will be x amount and that the first payment is due XXXX XXXX but i still have not seen a new closing document and i don't want to start paying money again without knowing where it is going. I have been dealing with this since XXXX of XXXX and all i want is a signed legal document stating that i pay x amount for x years and my home is mine. I am not trying to get out of paying my mortgage i just want to be sure that the money that i am paying them is going toward my mortgage and not just being thrown away. every time we call we are told that they are very behind and to be patient. i do not want to lose my home but i don't want to throw my money away either. i am just asking for some help to get the correct documents.

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 2023-01-11
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Even within a Statement period, if a promotional transfer offer is taken, you are forever prevented from paying off the initial purchases without first paying off the promotional amount. All future overpayment is allocated to the interest free promotion negating the " interest free period '' advertised and forcing the consumer to pay the significantly higher interest for the remainder of the period. This is the only company that I have dealt with that will not allow the allocation of a payment to be placed toward higher balances. 

Initially with the transfer, I had paid the " interest savings balance '' I did err in paying immediately after the transfer. I immediately called to the supervisory team to see if I should reverse both transactions. The payment was reversed and I was advised I would be able to call back and be told what to pay to allow me to pay off new purchases and leave only the balance transfer and promotional purchases through XXXX. Instead, I am locked into paying for all other purchases prior to the transfer and thereafter until the balance transfer is paid. Meanwhile, I paid a 4 % upfront transaction fee for this debacle. I intend on paying off this card and forever moving away from chase CC 's. This entire process seems designed to entrap those with balances into paying interest. The frequency with which offers were sent to our home after we had maintained a balance is disgusting now that I have this insight. This is my first balance transfer on my XXXX card and rest assured, it will be the last.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: CORELOGIC INC
State: FL
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 did not authorize this company to pull my credit. I have asked XXXX  XXXX and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX  XXXXXXXX Via Credco XXXX XXXXXXXX XXXX XXXX XXXX, CA 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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The department of education is making the accusation that I owe a balance and it is being reported on my credit reports that I owe {$1.00} for a XXXX XXXX from XXXX XXXX, and it was closed XX/XX/2017. However, upon speaking with XXXX XXXX  's billing department and Financial Aid Department, they have both informed that I do not have a balance with them. However, the Department of Education is saying it has been transferred to Debt Collection Service of the Department of Education. All of this information is incorrect, and I do not owe a balance and they're continuing to report negative information on my report, and I am unable to obtain funding for school due to these inaccurate allegations. 

Additionally, XXXX XXXX was contacted and provided proof that there is a {$0.00} balance.

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 2018-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
Today XX/XX/2018 I just received an e-mail alert from XXXX XXXX and XXXX XXXX stating that an credit inquiry has just been made on my report, these inquiries definately are unauthorized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There were two problems : 1. XXXX card sent to me in mail. I did not apply for the card. Resolution : Called XXXX XXXX. The card was cancelled. 
2. XXXX XXXX application started in my name. XXXX ( Comenity ) sent me a letter asking me to confirm the opening of the account. Resolution : I called Comenity bank customer service and was forwarded to the account protection line. However, I was on hold a considerable amount of time and hung up. No one answered. There doesn't appear to be a way to resolve the issue through email either. 

I have placed a lock on my credit report, so hopefully, this will keep additional attempts to use my identity to open accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: Westlake Services, LLC
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This vehicle loan is paid off. Im not sure why its still showing a balance. I have my paperwork and title.

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 2023-06-06
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Transworld Systems is presently reporting a collection account for XXXX in the amount of {$1100.00} I have no knowledge of any such account. This disputed accounts was previously removed off my reports but was recently re-insertec without any notice which is legally required. I have never received any documentation from TSI to support their alleged claim. I am incurring financial damages as a direct result of their willful violations of the FDCPA and FCRA. They have been non responsive. Unable to obtain any verification. 
My report was also not flagged as disputed by them. Their time to respond has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I sent my Kohl 's store payment ( issued through Capital One ) through the USPS on XX/XX/2021 for {$23.00} but it was not received by the company until after the payment due date of XX/XX/2021. I was charged a late fee of {$15.00} on XX/XX/XXXX and notified of the late fee on my XXXX statement ( closing date of XX/XX/2021 ). Since my previous balance of {$23.00} was paid in full after the due date, the amount due on the XXXX statement was {$15.00}. I wrote to the company explaining what had occurred and did not receive any communication back from either Kohls or Capital One so I assumed it was written off since I'm a long time customer of the store. I received my XXXX statement ( closing date XX/XX/XXXX ) last week and not only did they not take care of the previous {$15.00}, they have charged me another {$15.00} late fee plus a minimum interest charge of XXXX for a total account balance of {$32.00}. The entire amount owed now is all fees for a charge that is almost {$10.00} less than the current amount owed. The fact that Capital One charges a late fee for a non-payment of a late fee is a deceptive practice. The fact that Capital One did not respond to me after I provided a written explanation and felt that the best thing to do for a long time consumer is to charge an additional late fee and minimum interest. They currently want me to pay 142 % of the original balance in fees and that is unfair.

Company response to consumer: Closed with monetary relief