BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Contrary to previous policy, CapitalOne no longer provides their customer service agents the ability to refund excessive annual fees and related charges for cards that are paid off and not used for an extended period of time. 

I have had my CapitalOne card ending in XXXX for many years, always maintained in good standing. I have not used the card for many months, therefore I am not enjoying any " what's in your wallet? '' cash back benefits ; so, an excessive annual fee ( {$59.00} ) is inappropriate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-10
Company: Partners Financial Services Inc
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am a former employee of Partners Financial Services in XXXX, MO. 
While employed, I managed the legal accounts, and when I came across accounts where there was a signed Page 2 of the RIC ( which we legally could not go legal on if it was signed ) I was instructed to remove the signed page of the PDF and replace it with a blank page that we had saved. We probably took illegal action on about 30 consumers with this method during the 7 months of my employment. Along with this, the debt collectors were constantly using harassing tones and language with the debtors. I apologize for my part in this, and since I was doing what I was told, I would like to see action taken against the company to assure fair debt collection acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : 1. XXXX XXXX XXXX Balance : {$0.00} 2. XXXX XXXX XXXX  XXXX Balance : {$9300.00} XXXX 1. XXXX  XXXX XXXX Balance : {$0.00} 2. XXXX XXXX XXXX XXXX Balance : {$9300.00} TransUnion : 1.  XXXX XXXX XXXX  XXXX Balance : {$9300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: PA
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 filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review the following : Fraudulent items listed on my credit report are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Also filing a dispute for unidentified inquiries on my credit report as well for the following : XXXX, XXXX  CARD, XXXX/XXXX, XXXX XXXX XXXX as XXXX on my Identity Theft Report attached.. Please remove all from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. Based off the FCRA, the XXXX account # XXXX, XXXX XXXX XXXX, XXXX XXXX, account # XXXX, XXXX XXXX, the fraudulent bankruptcies that have been filed XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX has violated my rights. These are items of identity theft the case numbers are as follows : U.S. Bankruptcy Courts | Bankruptcy | XXXX | XX/XX/XXXX, U.S. Bankruptcy Courts | Bankruptcy | XXXX | XX/XX/XXXX, and U.S. Bankruptcy Courts Bankrupto XXXX XXXX 15 USC 1681 602 A states that I have the right to privacy 15 USC 1681 I states that if an item is unverifiable it must be deleted 15 USC 1681 604 A section 2 states a consumer financial agency can not furnish an account without my consent. 

If you have any questions or concerns I can be reached at 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 non-monetary relief
Consumer complaint received 2023-03-05
Company: WELLS FARGO & COMPANY
State: LA
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 Police reports i have contacted these credit reporting agencies and told them what ive been through in 2015 i was in XXXX XXXXXXXX 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 i had no lawyer and received XXXX XXXX years in XXXX while he got XXXX see im tired of being used buy the system i filed a report on my identity theft and i want this all off my reports

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 2023-03-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
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 Police reports i have contacted these credit reporting agencies and told them what ive been through in 2015 i was in XXXX XXXXXXXX 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 i had no lawyer and received XXXX XXXX years in XXXX while he got XXXX see im tired of being used buy the system i filed a report on my identity theft and i want this all off my reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A contracting company XXXX XXXX XXXX XXXX  XXXX ( XXXXused   going forward ) did work. They did not finish and I had already paid on XXXX, XXXX XXXX I suspended the payment that I made with Discover card to XXXX. XX/XX/XXXX, after repeated calls to XXXX and not getting the phone answered or called back and reading online that XXXX  does not complete work and does not call back. I paid someone else to have part of what XXXX  did not complete done because it was an electrical safety issue and fear of fire. XXXX did come and do more stated to be done work and insisted to be paid with a cashiers check. I called Discover and asked about giving a cashiers check, I was told to have XXXX  write on XXXX  letterhead accepting check instead of Discover card payment by XXXX XXXX. ( a discover employee ) I did what Discover told me to do and they charged me and paid XXXX again. Discover said they received a statement from XXXX  and because of the statement from XXXX  Discover paid XXXX. I called XXXX and talked to XXXX. He stated he did not get paid by Discover and that the company he uses XXXX or Discover must have the money. XX/XX/XXXX. There have been multiple phone calls to Discover and XXXX. I also sent messages to XXXX. I am being charged and XXXX was paid with the requested check. Discover stated that because of statements from XXXX  I do not have enough proof to show XXXX  was paid for the XXXX transaction. This is just a summary I have multiple dates and conversations too many to put here. 
Discover Financial Services XXXX. XXXX  XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX  XXXX *XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Oh XXXX XXXX XXXX, XXXX . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Razor Capital, LLC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been trying to reach out to this company about this alleged debt but I haven't gotten their response so here I am seeking help from the CFPB and other consumer protection agencies to get this matter resolved once in for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023 I made a XXXX payment to an employee for {$100.00}. It did not immediately go through to him like usual. Instead i received a notice that it was pending review. After a few hours I called the bank to see what the issue was. i was told it would be released by midnight. I was also told I could not speak to a supervisor because she could not reach one in the XXXX minute timeframe and hung up on. It was not released at midnight. It has now been XXXX days with no response. I went into the Bank of America branch and was told to call the customer service line because they could not help. I have been on hold with them for an hour with them telling me to just wait. I demanded to speak to a supervisor and after an hour i was transferred and hung up on. I do not believe they can hold my money indefinitely and not send it to the recipient or return it to me when requested. They are denying me access to funds on deposit with no interest and or explanation. They have provided no timeframe and no one can assist me. I have also reached out to Bank of America on various social media platforms to no avail. I would like some assistance in having my money returned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-05
Company: K. HOVNANIAN AMERICAN MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Trying to build a home with KHovanian. They offer incentives for their mortgage however their incentives all taken with excess fees and points I am in the XXXX, and my closing costs in fees was over {$22000.00} for a standard transaction. When I saved XXXX points and XXXX % with another lender, they then increased the price of my home by {$4500.00}. This is not only Deceitful, but in violation of equal credit opportunity act. 
This has been a terrible experience and khov home mortgage are a bunch of thieves.

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 2023-01-20
Company: Experian Information Solutions Inc.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$1300.00}

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 2023-06-26
Company: Nelnet, Inc.
State: PA
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:
My federal student loans have been transferred several times amongst XXXX creditors. XXXX XXXX, Dept of Edu, DEP ED NELNET. Each They currently reside with Nelnet. On my credit report the student loan accounts are listed under each creditor therefore showing my debt as tripled. They are also showing as collection accounts under each, when they are not in nor have they ever been in collections, but were just sold or transferred to another creditor. When I contacted each of these creditors they confirmed that my students loans has been either transferred or in good standing. However, no proper correction or update was made on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, INC.
State: GA
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 went to buy a jet ski for my daughter for the summer, but in order to get it financed my credit had to get pulled. I found a fraudulent bankruptcy and couple of inquiries that are not mine. Please remove these things from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I am in California, we don't have BMO bank branches here but they launched a massive mail advertising campaign and I received a mail with an offer to open CD for 4.9 %. 
I did. 
I needed to withdraw earlier and called to the bank. 

here the saga started. 
XXXX they can't do that efficiently over the phone. it has been a week I still did not get my funds. they lie saying they mailed a check. 

XXXX. They charged principle and this is why I am submitting this request. They never disclosed the penalty they would charge if you terminate earlier. for XXXX USD CD they charged all incurred interest ( it is fine ) and XXXX USD on principle. 

in fact, they charged me XXXX USD in total and I am receiving less than I invested. They sent a check on XXXX USD while I invested XXXX I politely asked them to refund me a principle they charged but branches do not exist, and they hung up when you call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 I filed a claim for unauthorized pay friend transfer. I filed this claim when I went to look at my account and seen that my account had been completely drained of {$2000.00} I had set aside from my University XXXX XXXX refund I had gotten on XX/XX/2020. Normally I get notifications from chime when my account balance is low or if Ive done anything on my account but on XX/XX/2020 my account was hacked and all my money was gone and I didnt get an alert or anything from chime saying my account was low. I had gotten a refund from school on XX/XX/2020 and the refund was for {$2400.00}. I had gotten my unemployment payment as well and so sent money to my XXXX  account to be sent to my bank to cover bills I had to pay. I left {$2000.00} in my Chime account thinking it was safe there until I needed it. But one day after getting my school money and sending money to my back my Chime account was HACKED and my money was gone. Of course it looks like I sent the money, but thats how hackers work. They can log into your account from anywhere as if they were you and do what they need to do. If this done by me I wouldnt waste my time writing this and fighting for my money I thought was safe in my Chime account. I have never use the transfer to friends feature on the Chime app and all of my transactions of sending money have been to myself. That {$2000.00} is all the money I had, my rent was apart of that {$2000.00}. All Im asking to have my money returned back to me. This was a fraudulent transfer that I did not do. I have no clue who the person is that was the recipient. If I did send the money trust me all of this typing and pleading my case would not be happening but it is because it wasnt me. I only have {$20.00} something dollars to my name in my bank account and so I dont have {$2000.00} to be sending to anyone ... so yeah Im going to fight for my money. I pray this will help because I really dont want to have to go to court and fight for even more money due to inconvenience and breach of security because I may have to. I all I want in my {$2000.00} back and thats it. After I filed this complaint on XX/XX/2020 chime closed my account with them and will not tell me why they closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: U.S. Auto Credit Corporation
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a previous loan with US Auto Purchasing Center LLC XXXX XXXX XXXX XXXX XXXX  ) dating back to XXXX. I filed a 1099c with the company and it was accepted by the IRS and US Auto sent me back my copy b but are now avoiding me once I have contacted them in regards to my payment being applied. My 1099c is the instrument used as a form of payment which is backed by UCC 3-602. I am invoking my rights under UCC 3-603 to enforce my form of tender using a 1099c as my payment instrument. I have tried emailing and calling to ensure this has been accepted and applied but the complaince manager has yet to answer me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: OR
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:
I have addresses on my credit report and names that are not mine my address is XXXX XXXX XXXX XXXX XXXX my name is XXXX XXXX XXXX XXXX Ive been at the above address for over 4 years it seems that Ive been getting credit card offers with hard pulls from offer letters sent to a address that is not mine Ive tried to freeze my account but Im seeing hard pulls on my credit report can you please delete the address and the names that someone is clearly misspelling off my credit report or I will be forced to take legal action

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 2023-10-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On Thursday, XX/XX/XXXX, I noticed a hard inquiry in my XXXX. I called XXXX and explain to them that I did not do any transactions at XXXX. They made a note on their end and asked me to call XXXX. I spoke to the XXXX. Customer service rep and he denied the application after I explain to him that it was fraud, they will send me a letter and also send a letter to XXXX. 

On the same day I had fraud done on my XXXX XXXX credit card, and my XXXX XXXX credit card. They both were done in Pennsylvania. I also called my credit card companies and made them aware.

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