BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-10
Company: OneMain Finance Corporation
State: FL
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:
On XX/XX/2021, I filed a disputes with XXXX, XXXX, & XXXX  in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigations results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: AMERISAVE MORTGAGE CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2022 : I received a call from XXXX XXXX at Amerisave who asked me if I was looking to refinance my home. I advised him that I was and he proceeded to converse with me about what the estimate might be. At that time I was in a hurry to get to a work meeting call and he quickly rushed me through the process of receiving my official loan estimate for review. It didn't occur to me as I didn't read through the entire language of the terms, but I had to pay XXXX dollars to start the process of receiving an estimate. Once I saw the estimate, I believe at that point I was interested. However, by the next day I decided it wasn't a great deal and began the process of canceling my application and since I hadn't e-signed the loan docs or the page that expressed that I the application fee is non-refundable then I figured I would be returned that application fee. It was at the point of carefully reviewing the application that I noticed the fee was non-refundable and I decided not to sign. 
I wanted to get an official estimate and lock rate to know what my options are. Every other company I dealt with was able to give me that without a fee accept Amerisave. 

XX/XX/XXXX : Sent email to XXXX to cancel my application XX/XX/XXXX : Followed up with another cancel email as I had not heard back XX/XX/XXXX : Followed up on my cancellation emails to see if my application was canceled and money refunded XX/XX/XXXX : Received email from XXXX informing me that the cancellation was processed but without a refund. 

XX/XX/XXXX : Sent email to XXXX letting him know that I would still like the refund and that I will need to proceed with complaints if not refunded. 

XX/XX/XXXX : He again sent an email letting me know that I agreed to the application fee and there will be no refund. 

XX/XX/XXXX @ XXXX mst : Called customer support was told management would call back XX/XX/XXXX @ XXXX mst : XXXX calls , says Im not able to get my refund. Asks why im calling customer service. 

XX/XX/XXXX @ XXXX : I called customer service. explained above and she said she'd get back to me after computer reboots. 

I have not received that call back

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-05
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I updated my autopay ( for second time ) to make certain statement balance was paid ( no left over money due after payment to accrue interest ). The first request, which I made last XXXX, was changed ( without my consent ) to minimum payment autopay. I discovered the issue in XXXX and called immediately to re-establish the statement balance autopay. I then received a letter ( Dated XX/XX/2022 ) stating the statement balance would be applied for autopay. The date of XXXX XXXX effective date was listed on the letter and the amount of the payment ( {$980.00} ) to be automatically paid. ( see image of letter attached to this complaint ) The credit card company ( Barclays USA ) did not make any attempt to collect the payment from my bank on XXXX XXXX I verified the lack of attempt to collect the payment with my bank! ( see attached email from XXXX Banks ) Despite Barclays failing to make any attempt to collect the payment which I authorized, the credit card company reported the account past due, charged me a late fee and interest! ( See attached copies of my Credit Card Statement ) This is the second time Barclays Bank has done this 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 explanation
Consumer complaint received 2023-12-07
Company: Solar Mosaic LLC
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX notified me of a XXXX XXXX dollar loan and a XXXX XXXX dollar loan showing on my credit report with Solar Mosaic LLC. Neither loan is mine and I have disputed them with each of the credit reporting institutions. I called Mosaic and they said they can not find me in their system. ( because they are not my loans ) The loans are for solar installation and I don't have XXXX. I also live in XXXX  and the loans are for XXXX. I also have a new XXXX address on my report that does not and has not ever applied to me. I have never lived in XXXX. I have not cosigned for either of these loans but can not get anyone to help me get them off my credit report. My credit has gone down from close to an 800 credit score to XXXX because of these two loans showing on my credit report and I work hard to keep a high credit score. Can anyone please help me get this resolved please?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
The credit card company decreased my credit limit after a pristine payment record and paying off the card in full. It took my balance from {$1200.00} to {$250.00} credit limit. 

The credit card did not notify me of this change or the reason for this change. 

This action has greatly negatively impacted my credit scores.

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 2022-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I applied for a Capital One credit card on XXXX and was approved. After being approved for the card, I was told by email that the card would arrive in approximately 3 business days. However, I received a different answer from every customer agent about the shipping time : 7-10 business days and 4-6 business days, both which are higher than the original 3 business days quoted in the email. The email gave false expectations for the delivery of the card. There are also no mentions of expedited shipping practices, which I have utilized with other card companies before and have heard that Capital One offers it for different credit cards. I spoke with a supervisor XXXX ( employee ID XXXX ) who was unable to disclose any reasonable cause for being unable to expedite shipping or show me the card number in advance, blaming issues on the " system '' and claimed that no one at Capital One would be able to resolve this issue or have access to the card or shipping details. 

Other credit card companies I have worked with in the past are able to process cards in a shorter time. If I had been aware of the shipping time when applying for this card, specifically whether or not they offer expedited shipping on new cards, I would not have applied for this card. As it stands, I have been locked into this offer which took a hard pull to all three credit bureaus such that closing this card will hurt my credit, meanwhile with no ability to use the card due to my time sensitive circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX Is reporting XXXX as on time and closed. This XXXX account, ( s ) is old and should not be on any credit profiles Transunion XXXX and XXXX. XXXX is being reported muliple times.

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 2023-11-14
Company: Kriya Capital, LLC
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THE ITEMS ABOUT WERE PUT ON MY CONSUMER REPORTS AND I WOULD LIKE THEM REMOVED

Company response to consumer: In progress
Consumer complaint received 2023-11-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Date of the transaction. XX/XX/2023 The amount of money you paid the business? So far I have paid them XXXX in installments What the business committed to provide you? They had committed to provide me with video footage of anyone, or everyone breaking into my room. 

What the nature of the dispute is. The nature of the dispute is that they have not provided the service I needed, especially whenever I found that important items were missing from my room, and that someone must have broken in. The cameras were always down when there were break-ins. The company itself would log me out, and block my online account from viewing the events that happened in my room. 
When I log into the XXXX application or website, I am not given access to anything else except 2 factor authentication, which I did, but nothing more than that has been accessible, no footages, no monitoring, nothing. I am made to pay an extra {$27.00} for just logging in, which is unfair. I need a refund of XXXX and cancelation of their service by the company itself. 

Whether or not the business has tried to resolve the problem. The business has failed to resolve the problem. When I reported, they would then make me go through another login process and failed to retrieve the footages of the days when I had a burglary or break in. They sent somebody to just come and look at the camera and did not resolve the real issue of failure to provide me with footages of the days when I had a burglary or break in. 

Account or order tracking number. There are two accounts. They are collecting money from both of these accounts, citizens bank line of credit and XXXX XXXX XXXX  If the issue involves advertising, where and when the ad was seen or heard. It was an ad that popped up on my screen when I looked up security cameras on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an account at Zales. I made a promotional purchase on XX/XX/XXXX for {$4000.00}. This promotional purchase was to include no interest if paid off by a certain time frame. I utilize paperless billing and I strictly only use the website to pay my bill each month. At the bottom of the Home page of the site, there is a section that shows promotional purchases and their date of expiration. On XX/XX/XXXX, I made a payment and I made sure to check the promotional purchase section to make sure that I did not have any promotional purchases expiring. It only showed 1 promotional purchase due to expire in XXXX of XXXX which was for a {$570.00} purchase on XX/XX/XXXX. I logged in yesterday, and to my surprise, they hit me with {$1700.00} fee for the promotional purchase back in XXXX of XXXX. I believe that Zales/Comenity PURPOSLEY removes promotional purchase expiration information the month prior to expiration so that the consumer misses the date. This is NOT something that I would miss, as I know to check it every time. I had thought that I had one coming due, but I figured it was paid off since it did not show. I wonder how many other consumers this happens to with them?! I contacted them immediately, and was treated with condescension. So now, I am requesting your assistance please! 
Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX and Equifax has an Opt Out listed on my credit report. The Opt Out listed on my credit report is preventing me from receiving pre-approved and promotional offers for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, 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:
On XX/XX/2023 I received an email from the company XXXX XXXX XXXX. This email stated that my lease and history had been reported to Equifax and XXXX. On the XXXX my credit report updated, however the information on the credit report entered by the credit bureaus was not even close or similar to the information submitted to them. This is not the first time this has happened so I continued to file a dispute. After doing so my score was hit for XXXX and the previously reported account showed no activity and since has been turned into a negative item on both reports. I have since sent all documents to the bureaus proving my account statuses but they refuse to do anything other than deduct more points for my unwillingness to accept there calculations. I believe these calculations are in fact discrimination toward me individually as my research into the history of credit scoring shows a direct and abnormal calculation in comparison to historical similar scoring models within the same parameters as my account status. For example the company who reported my account reported a high credit of {$35000.00} the credit bureaus report {$0.00} The company reported open account, the bureaus reported closed account. The company reported XXXX years for XXXX account and XXXX years for the second. The bureaus reported 6 years at {$790.00} split and paid out over XXXX  years at {$10.00} per month. And on and on the report is so far from the actual facts that I have found myself at odds with my sanity as I literally can not finance a canned soft drink without a cosigner. Upon notifying the bureaus of this are and submitting the documentation from the reporting company to them directly I only receive more points subtracted from my score instead of incorrect reported items. I am to the point that I have no choice but to hire an attorney and seek damages for fraud, discrimination, and unfair reporting practices at biased without benefit of reconciliation. I will include the screen shot of the summary as well as a copy of the reported information from the reporting source

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: WA
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 non-monetary relief
Consumer complaint received 2023-04-28
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:
My identity was stolen to create the XXXX XXXX account. The day the account was initiated I received a call from an XXXX number telling me they were from my XXXX fraud department, that someone had tried to use my debit for a transaction in XXXX, and that they stopped the transaction and my card would be canceled. They also said not to utilize my online banking system for XXXX hours. That evening I also received an email alert from a paid credit monitoring service alerting me that there was an account opened using my personal information. They provided the contact information for the company ( XXXX XXXX ) that extended the loan. I checked my bank account the following day before I called the XXXX XXXX company and found large sums of money had been moved from my savings to my checking account and payment had been sent to this XXXX XXXX company. I immediately called my bank to freeze my accounts, then proceeded to call XXXX XXXX to let them know I did not authorize or request money or a line of credit with them. They said they would open an investigation. I requested a copy of the contract and asked how they verified the identity to open the account. They sent me a copy of the agreement but there was no identification verification used and they used an electronic signature. They told me their investigation determined the account was legitimate although I never used or received a dime from them. I filed a police report with XXXX Police Department detailing the identity theft and the fraudulent account. I closed my bank accounts because somehow this XXXX XXXX company had accessed my checking account and social security number. The police report was inconclusive and the case was eventually closed with the explanation that internet fraud and identity theft are most often hard to prosecute because the perpetrators are elusive.

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 2023-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received my Capital One Walmart rewards card in XX/XX/2022. I at that point activated it for use. I received a bill automatically even though I hadn't had in my possession the card for the previous billing cycle. Capital One afforded me grace at that point. I began to make payments immediately most of which were always early never late and always at least a couple dollars more than minimum due. I checked my reports for reported payments and noticed the payments I was making weren't being reported I utilized a phone call recording app to ensure truthfulness. I confronted Capital One asking why payments weren't being reported as well as informing them that they were speaking on a recorded line due to them recording myself as well. The agent became highly aggressive and made forms of threatening vocabulary. I live in XXXX, a XXXX party consent state and I was a direct party to the communication. I requested transcripts of the conversation which was denied. According to my 3 in 1 credit report Capital One claims I'm severely behind on payments however on their website claims only XXXX  months. They continue to send worry some emails even after being told that I no longer feel that I should continue to make payments due to the majority of my payments not being reported as the law requires. I informed them during our last communication that I am not going to continue to go above and beyond to make on time payments to them due to the fact that payments weren't being reported at all as well as the inappropriate demeanor and threatening manner of the customer service agent when confronted with my payments not being reported as they are still not documented properly. I DO NOT feel that due to their conduct, should be entitled to make myself hold my end of the bargain, when during the time that I honored my payments, they didn't properly honor their end. They continue to impose themselves on my reports negatively as of up to date.

Company response to consumer: Closed with non-monetary relief