BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-12
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:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX and Capital One Bank USA. The Account Opened is XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Capital One Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00}. The Account Opened is Capital One Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: AMERICAN HONDA FINANCE CORP
State: NJ
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have items on my credit report that should not be there.

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 2022-03-29
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I recently refinanced my home loan through Rocket Mortgage. One of the incentives to use them was a {$2000.00} credit to my XXXX card once i closed. XXXX closed on XX/XX/2022. My has called numerous times to Rocket customer service to inquire on the credit since we had not received. We were continuously advised that we needed to allow 8-12 weeks to receive but that we were eligible. I called XXXX on XX/XX/2022 and they advised they were aware of the problem but that Rocket had not notified them of my loan. In speaking with a Rocket Rep today ( the XXXX week ) my wife was advised that we were not getting the credit, even though we had been advised several times that we would. My wife was told that we were given the {$2000.00} credit at closing and that it was on the closing disclosure. The closing disclosure shows a {$2000.00} credit but nowhere does it say anything about XXXX or were we advised that is what that credit was for. A closing disclosure should detail the credit as my wife advised teh rep. The rep only reply was that she could send an email stating that was what the credit was for. I simply can not understand how i am how supposed to just take the Reps word when several other reps advised we were due the credit on our XXXX card account. Sounds like a bait and switch to get our business. We were told over and over again that we would receive the credit, even after closing and now they claim we already got it. The line item on the closing disclosure does not show XXXX. A page of teh closing disclosure is attached for review. the credit is on the lower right of the page.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-04
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I sold a watch on XXXX  and then they returned it when the buyer did not like it to an address I have not lived at in over ten years. Then when the people currently living there would not accept it XXXX  then shipped it back to the buyer and automatically debited my paywall account the XXXX dollars. Both XXXX and Paypall refuse to do anything including get me back my grandfathers XXXX watch that I mistakenly sold for XXXX that is actually worth over XXXX please help even if its just getting me my watch back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My home went through three different banks to be modified with no success. Wells Fargo promised me $ XXXX to leave my home which I never received. I had a renter in the home at the time of the foreclosure. She was able to stay almost two years before the sheriff locked her out ( XXXX, XXXX ). 
Wells ' agent ( out of XXXX Ga ) was made aware that i was a victim of a predatory loan ; my mortgage started at {$1600.00} in XXXX ; it was {$3200.00} by the time I was foreclosed on. 
There are may other people who were turned out of their home by Wells that got settlements ; I simply want what i am owed for my pain and suffering from losing the only home I've ever had. I have XXXX stage XXXX XXXX, and could use the money since I am now permanently XXXX. 
Wells owes me ( and I'm sure other folks as well ) who have not spoken out. Don't let them get away with this!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: MedPlan Credit, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I sent extra payments in an effort to pay the loan off early. The payments were not consistently processed in a timely fashion. The interest/principal allocation does not appear to be consistent with the loan agreement. I have asked for my account to be reviewed to ensure proper allocation of ALL of my payments. On or around XX/XX/2023, my credit card was no longer being charged the monthly payment. I have been receiving paper payment requests via USPS even though the loan agreement REQUIRED automatic payments. I even received at least one telephone call attempting to collect on the debt. Dates for phone calls include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The call attempting to collect on the debt was on XX/XX/XXXX XXXX XXXX When I asked for the account review, there was a third party contractor working for Medplan Credit I was speaking with. I was told that my concerns would be forwarded to senior management and I could expect a call. I received no such call. There was even one month when the payment was refunded to my credit card for some unknown reason.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Since XX/XX/XXXX, I have written four certified letters ( attached ) to TransUnion regarding inaccuracies and FCRA violations of the XXXX XXXX account XXXX on my TransUnion credit report. They have not corrected the multiple problems I have pointed out to them nor have they included my Notice of Dispute for this account which is required to be done within 30 days of being notified. Both of these actions are clear FCRA violations. According to Title 15 U.S. Code 1681i : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The XXXX XXXX account is shown in red on the attached letters with specific inaccuracies and FCRA violations which as of XX/XX/XXXX still have not been corrected : 1. ) An invalid, incorrect Date of Last Activity 2. ) Not listing my Notice of Dispute within 30 days of my notifying them. 

3. ) An incorrect Date of Last Payment This account needs to be deleted immediately due to inaccuracies and clear FCRA violations.

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Recently, I did an investigation on my credit report which coused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-04
Company: EQUIFAX, 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 Fair Credit Reporting Act XXXX Account # XXXX. XXXX XXXX XXXX XXXX XXXX  Charge-Off, has violated my rights. 

15 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX my daughter, XXXX, who was. a XXXX  at the time, received a notice from LJ Ross & Associates for a medical bill. I contacted them to correct the information and put me, her parent, as the guarantor and was provided the details of the expense. There should not be any collection account on her credit report as the debt is not owed by her. I agreed to pay the bill to them and provided my debit card information. They were to take three payments, one per month, of {$72.00} starting on XX/XX/XXXX. They deducted payments and I assumed this was resolved. 

Today, XX/XX/XXXX, I received a call from LJ Ross & associates. They spoke to my daughter and told her that since she is the patient she owes the money but they could not confirm what or when the services were rendered ; only that she owes it because she is the patient. That is incorrect. I contacted the provider who was unable to locate any record of her or me with a balance due. Upon further investigation I was able to find my own documentation regarding this arrangement. 

LJ Ross & Associates was made aware nearly two years ago and confirmed that this debt is not owed by my daughter. They agreed to a payment plan with my banking information to take monthly payments. and corrected the error to ensure that the debt is in my name. 

Today this call came to my daughter with an emphatic agent insisting that my daughter owes the money but could not explain what it was for or when. Further when she was told that the patient, my daughter, is not the guarantor, she stated that she owes the money because she is the patient. That is false. 

Lastly, no letter or phone call indicating that there is anything outstanding owed. She stated that a letter was sent in XXXX of XXXX to the address on the account which had forwarding and neither of us resided in for over a year.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Rocket Mortgage, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I submitted a notice of tender for setoff and a 1099-A with their statement coupon, from monthly statement for total offset of original loan. Along with 1099-OID, 1040v, 1040, form 56 and form 2488. They refused to even accept anything I say or continue to negotiate with me through legal department. They are in violation of XXXX XXXX. I am the surety for the loan. I need help knowing if I'm send correct documentation to utilize my XXXX XXXX XXXX to settle this loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
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:
I have contacted XXXX several times along with written letters as well as online disputes. I have informed them that I have been a victim of identity theft. They have refused to send me evidence of information being verified. Along with I have also told them that creditors such as XXXXXXXX XXXX XXXX claims they do not report to the credit bureaus, which is a lie because they are clearly reporting on my credit report also the fact that I told them that it isn't my account and needs to be removed immediately. Also I have called and disputed the ridiculous amount of XXXX inquiries. I have sent them a letter telling them that according to 15 U.S code 1681 I didnt give permissible purpose for the following items to be reported on my credit report let alone I was a victim of identity theft. 
So these items need to be deleted immediately. 

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022 & XXXX XXXX XXXX Date of Inquiry XX/XX/2022.

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 2018-12-13
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I decided to take advantage of a promotion w/Citibank in XXXX of 2018. The promotion requirements were to deposit {$15000.00} within thirty days of account opening and maintain the balance for sixty consecutive calendar days following. Ninety days after this requirement was met, Citibank was suppose to deposit the {$400.00} bonus. They did not. I have contacted them and am getting the run around. To follow is a timeline of my account activity. 

XX/XX/18 Opened Checking and Savings Account ( See XXXX Citibank Acct Opening Application.pdf ) XX/XX/18 Deposited $ XXXX ( See XXXX Statement.pdf ) XX/XX/18 Met 60 day requirement ( See XXXX Statement.pdf ) XX/XX/18 Bonus was too be paid. It was not. 

XX/XX/18 Called to inquire about why I hadn't received my bonus. Was transferred a few times. After 45 minutes, a supervisor named 'XXXX ' said she opened a case. She said it would be resolved within 48 hours to which I received written communication confirming. ( See XXXX Notice.pdf ) XX/XX/18 Still no bonus and no follow up. Called again to inquire. Still no answers. Another 45 minute call resulted in a supervisor named 'XXXX  ' stating he had escalated the matter but didn't know when it would be resolved. He had no answers. I let him know this was unacceptable. I then asked for instruction on how to file a complaint. XXXX was very reluctant to provide this information stating he had done so for me. 

I find this all unacceptable. It is simply a matter reviewing my banking activity to see that I met the requirements for their promotion. They are giving me the run around.

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 2023-11-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
All my cards with them were updated with a new payment alternative. Then today I received a notice of payment bounced. They charged me {$30.00} late fee. I went online and found this account was the only one of three that the proper payment method was missing. I input the new payment information again. Paid the payment amount. I still am unable to delete the now defunct old payment method. 
I did call but after being in a vicious voice menu and after connecting me to customer service was I notified they were closed. 
Not only that for days this payment was showing as made. Is their system this unsecure?

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 2021-05-31
Company: DISCOVER BANK
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:
Dear Discovercard I'm so disappointed with your services Until now, I can't use my credit card. 


Once again, I have a balance of almost 250 dollars but you're constantly declining my credit card even I cant get cash from it. 
Last week I tried to get cash using my pin in a XXXX  XXXX cashier but was declined You sent me a form with verification of my personal info, I'd already signed but it's so frustrating this situation.On last week. 

On XX/XX/XXXX I sent a pay from my XXXX  XXXX XXXX account to my discover card of XXXX dollars..but until now I cant use my discover card I'm going to send a demand to you using the CFPB today if you ASAP don't free my money to use it What frustrates

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I got a response from a so-called financial institution is reckless because not only they are not addressing the issues, they are not providing evidences that was requested, and they are just re-stating the evidences that I requested. Where are all the evidences requested? 
This is again a generic response to a serious and specific problem because in their response, the cited Section C 13. Which described the Duty to safeguard Account. However, this section specifically addressed everything related to CHECKS, ACCOUNT INFORMATION, PASSWORD ETC. In nowhere that section addresses fraudulent debit card transactions, lost or stolen debit card and identity theft. I see that people at this bank are just referencing policies that have nothing to do with this specific issue just to hide their lack of knowledge and incompetency. The bank itself is not bad, but the people ( from low level to high level position ) make this bank look XXXX! 
This is the last opportunity that I give to these people at that bank to use their common sense and resolve this issue before I take the matter in Court and to my US Senator who is a member of the Senate Committee on Banking. 
I will upload and fax the FTC identity theft report ( XX/XX/2020 ) since you have asked for some additional information without providing any evidences that were requested. Also, this FTC report was done right around the time that those unauthorized transactions were being performed. 
Again, if you do not comply with this request, I will immediately file a lawsuit against the bank because I do have and have presented concrete evidences unlike this bank.

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