BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have contacted XXXX and complained about a fraudulent account appearing on my credit report ( Capital One Bank Credit card ). I was transferred to the fraud department and they requested I submit and FTC report. Which I did to the XXXX bureaus, XXXX and XXXX were able to validate my claim and remove fraudelent account. XXXX is the only one that has yet to remove the fraudelent account. This is really affecting my personal finances as I try to keep everything in order and pay all my obligations on time. It is also affecting my creditworthiness, and I'm being rejected for housing or apartments. I already explain to them that my information has been made available to the dark web, due to several breaches. My information was breached in the XXXX XXXX, XXXX and Capital One Breach. 
This has been a real exhausting process, and a stress on my poor health. I do not know what else to provide them, to proof that I did not open said account. My next step is to go out of my pockets and get an attorney involved to help me resolved this issue. The account is Capital One business card which I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: NY
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:
This communication serves as an additional assurance that certain items, identified as potentially fraudulent, will be removed within the forthcoming 15 days. I have diligently monitored my credit reports and, while I appreciate the removal of some fraudulent entries during the previous update, I am scheduled for another update in 15 days. I hope that further deletions of the remaining fraudulent items will be effected at that time. In accordance with the Fair Credit Reporting Act ( FCRA ) Section XXXX, it is mandated that the Credit Bureaus expunge any items listed on an Identity Theft Report, specifically Report # XXXX. The items in question are detailed below for your reference : EXPERIAN : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX : XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$37000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH 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 2023-04-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Penny Mac Loan services, has claimed they paid the property tax bill on my house. 

They have not. I have been informed by the city of XXXX XXXX, XXXX XXXX @ XXXX, XXXX The amount in question is still delinquent and XXXX XXXX @ XXXX XXXX has threatened to put a lean on the house. 

I called Penny mac and they said they had in fact paid, but could not show me any evidence that they did. They simply stated that they did, I asked them to refund me the money and then I would pay myself to avoid the lien. 

They refused claiming without any evidence they had paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I APPLIED FOR A US BANK SECURED CREDIT CARD ON XX/XX/XXXX AT A LOCAL BRANCH THE BANKER HELPED FILLING OUT THE APPLICATION AND PROCESSING A CASHIERS CHECK FUNDED BY MY CHECKING ACCOUNT AT US BANK. I COMPLETED THE PROCESS. 

XX/XX/XXXX THE ACCOUNT SHOWS UP ON MY CREDIT REPORT BUT I DID NOT RECEIVE MY CREDIT CARD IN MAIL YET UNTIL XX/XX/XXXX WITH A AVAILABLE CREDIT OF {$470.00} THEY HAD DEDUCTED THE {$29.00} ANNUAL FEE, I WENT AHEAD AND USED THE CARD SUCCESSFULLY SEVERAL TIMES BETWEEN XX/XX/XXXX THRU XX/XX/XXXX. MY ACCOUNT WAS FORCEFULLY CLOSED LESS THAN 1 MONTH OF RECEIVING THE CC I REQUESTED A REASON NO REASON WAS GIVEN OR ATTEMPTED TO ATTEND TO MY CONCERNS. 

I WILL NOT BE RECEIVING A REFUND OF {$29.00} FOR ANNUAL FEE I HAVE ALSO INCURRED A {$27.00} fee + {$2.00} interest for a late payment that was due XX/XX/XXXX WHEN I HAD PREVIOUSLY CALLED AND CONFIRMED THAT THE {$49.00} DUE ON THE CARD WILL BE DEDUCTED FROM MY SECURED DEPOSIT AND THE REMAINING BALANCE RETURNED TO ME IMMEDIATELY THAT WAS NOT THE CASE INSTEAD US BANK CHARGED A LATE FEE AND INTEREST FEE ON A CLOSED ACCOUNT AFTER THE FACT THAT IT WAS SUPPOSE TO BE REVIEWED BY XX/XX/XXXX AND MADE A CHECK OUT FOR THE REMAINDER BALANCED OWED TO ME LIKE I WAS TOLD. 

THE ACCOUNT NOW HAS A BALANCE OF {$0.00} AVAILABLE CREDIT AND XXXX BALANCE. 

MY CHECKING ACCOUNTS WERE ALSO CLOSED.

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 2022-12-22
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX, Best Buy states they delivered XXXX XXXX camera I purchased. I get home and there's no package there, it was stolen. I submitted a dispute through my Citi Best Buy card and also submitted a previous CFPB complaint. They state that they gave " Monetary relief '' on the transaction, but all they did was issue a temporary credit while they did their " Investigation '' - in which they DENIED my credit back even though the package was stolen and a police report was also filed. The fact that they go to these insane lengths to avoid providing a sensible resolution like they should is insane. The fact that they're still holding me accountable for a {$850.00} charge that was STOLEN is unacceptable.

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 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2019 XX/XX/2019 XX/XX/2019 Each time I was told something different. I have 18 hard inquires on my credit that I did not authorize. I have sent in verification along with copies of my report requesting the inquires be verified as valid accounts or removed as I didnt authorize them. 

Thank you 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 2019-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
It is regarding my claim number XXXX I lost my debit card snd PIN was stolen, three were two unauthorized charged on my checking account. I called in BofA and reported the incidents immediately. I also reported to the police. 

BofA denied my claim for unacceptable reasons, and they unfollowed and totally against the Federal Laws, which I have my right under the Fair Credit Billing Act and protected by the Consumer Credit Protection Act of 1968 too.

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 2023-04-21
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Answered calls first two times, silence on other end as if robocall. Third time blocked number. Did XXXX XXXX of number found multiple complaints of excessive calls from XXXX XXXX operators. XXXX has no outstanding debts in arrears past 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Me and my spouse financed {$5400.00} through Synchrony for our purchases at MattressFirm. On XX/XX/2023, we were charged the full amount of the remaining balance on this loan {$5300.00} on one single payment and resulting my spouse having- {$4900.00} on her main checking account. I spoke to Synchrony Bank to ask why has this happened and how should we fix it. I was alleged by them that I made a mistake myself when setting up the auto payment, which they stated I selected to pay the full amount of my statement balance every month regardless we signed up for 36 term loan from Mattress Firm. Their solution was issuing me the refund for my payment and which will take up to 15 days to arrive. They did not provide any solution to cover my overdraft fees nor the effects may gon na cause to lower my credit score.

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 2018-07-29
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX i visited a CVS store and transferred via MoneyGram {$1100.00} to my father who is currently living in XXXX. I payed {$22.00} in fees and the transaction was money in minutes. The total amount was : {$1100.00}. Unfortunately, my father tried several times to withdraw the money but in vain. MoneyGram did not release it. 

Until today, my father is still waiting for the funds i sent him. When i called MoneyGram on XX/XX/XXXX, the customer service representative by the name of XXXX told me that they have just released the money i transferred 2 days ago. He was unable to explain to me why that happened.He also declined my request to speak to a supervisor.I informed him that the money was needed A.S.A.P for my sick mother who must pay first to get seen at a doctor 's clinic. 

Unfortunately MoneyGram claimed that i could get my money in minutes. That is clearly stated on the reciept i got from them. That is not true and i need to be compensated for the damage done. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: AMERICAN EXPRESS COMPANY
State: NM
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:
XX/XX/XXXX I logged into the Amex app to check my XXXX XXXX XXXX. I noticed my credit score was abnormally low so I requested within the app to see my full credit report. I was prompted to provide my last four digits of SS card I did and I was given access to the full credit report.I can see they were display XXXX XXXX XXXX. Birth year XXXX. Current address. XXXX XXXX XXXX XXXX XXXX, XXXX, NM. And more detailed information as past inquiries, open accounts, balances, etc. 

My name is XXXX XXXX, XXXX birth year. 

I contacted Amex through their chat option requested an Actual agent not robot to inform them what was happening. I was told They would fix it. come Monday I am still able to view. 

Tuesday I am still able to view. I also called XXXX. This connected me to an experian agent. Who verified my personal information and confirmed I indeed am not seeing my credit report details but an other individuals info. this agent transferred me to Amex customer service agent. I explained the situation to them. They said that the corresponding department is closed for the day provided me with XXXX. They said this is American Express credit bureau unit but they are currently closed. 

XXXX  I called the XXXX XXXX number and talk to a lady from the business side and explain to her the situation. She emailed another department and said someone will be reaching out to me. 

Thursday I am still able to view XXXX XXXX Credit report through amex app and no correspondence with any AMEX representative. 

Friday, XX/XX/XXXX I am still able to view XXXX XXXX credit report, and still no correspondence with AMEX. 


My worries are someone is viewing my credit report information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Auto loan opened on XX/XX/XXXX and cross-collateralized personal loan opened on XX/XX/XXXX were included in Chapter XXXX  Bankruptcy Wage Earners Plan filed XX/XX/XXXX. Due to XX/XX/XXXX XXXX onset XX/XX/XXXX, Chapter XXXX was converted to Chapter XXXX ( filed XX/XX/XXXX ) and discharged XX/XX/XXXX. 

Reaffirmation Agreements for both loans were filed on XX/XX/XXXX. However, XXXX XXXX XXXX XXXX ( XXXX ) continues to report false information to national credit reporting agencies, despite being notified multiple times of the error. XXXX continues to report both loans were included in Chapter XXXX bankruptcy ( FALSE ), and the accounts were closed on XX/XX/XXXX ( FALSE ). 

Attachments : Reaffirmation Agreement - XXXX XXXX XXXX Reaffirmation Agreement - Personal Loan ( cross-collateralized with XXXX XXXX ) Chapter XXXX Discharge - XX/XX/XXXX Chapter XXXX to XXXX Conversion Order - XX/XX/XXXX Chapter XXXX Individual Debtor 's Statement of Intention - XX/XX/XXXX ( Note : Both loans secured by XXXX XXXX were retained and reaffirmed )

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 2023-04-21
Company: CITIBANK, N.A.
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 balance transfer

Complaint:
I was marketed a Citi XXXX Credit Card with an offer to balance transfer in XXXX of this year 2023. It has been nothing but a headache for the last 4 months. As recently as yesterday I was on a call with a supervisor from the bank. Every time I call I get a different story. I have also gone into my local Citi branch for assistance they have tried to assist but have not had any better luck than I. The buck doesn't stop anywhere you just keep getting passed around. It seems they are marketing these financial products with no intention of actually providing them. The right hand does not know what the left hand is doing. Structural incompetence with little to no synergies between inner bank parties. Interesting when you catch an interview with a CEO ( in this case XXXX XXXX on XXXX ) the culture espoused by the person at the top is in no way reflected in the behavior by the individuals I interfaced with. It appears that the high net worth individual may have the ability to circumvent this abuse, unfortunately not so for the average XXXX at the retail level.

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 2023-11-30
Company: EQUIFAX, INC.
State: TX
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:
Regardless of the multiple written requests, the account listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the account below in my file : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Greetings, I Am A Victim of Predatory Lending Practice Involving American Credit Acceptance. I purchased this XXXX XXXX XXXX In XX/XX/XXXX for about XXXX I Was Not Aware that the vehicle was an Interest Bearing Loan. AS of today. I STILL Owe about XXXX which is way more than what I Paid for the Car. 

I was rushed through the closing process by the finance guy who was closing the deal. 
I was trying to read the documents. He rushed me through, he insisted that it could take all day if I tried to read all of the pages in the packet. At that time my Concern was the High Interest Rate. He reconfirmed the rate and advised that I could pay more to pay the loan off quicker. ( Thank XXXX  I Inquired Months Later and RE-Confirmed the Paper Work Prior to Paying More. At That Point I Never Bothered About Paying More ) I Inquired about my balance and dissatisfactions several times about 16 months after the purchase in an Effort to pay the loan off sooner. 

I Also, Inquired and Expressed My Frustrations and Concerns On Another and Several Occasion. On Another Occasion I Experienced A Hardship and Asked for A Deferment Due COVID and Another Natural Disaster. They Escalated me to another department. 

I Informed Her Of My Concerns and the Hardship that I was having. She was No Help In Resolving My Concern As It Related to the Interest Bearing Loan. She Advised the Only Way I Could Get Assistance for a Deferment was if I Completed the Documents that she emailed to me which Included and Amendment Document to my Complaint Since I Brought My Concern to their Attention. 

( I Would Like for That Recording to be Pulled and Reviewed which was the Same Day As the Conversation of me Expressing My Concerns and of the Deferment ) American Credit Acceptance Literally BULLIED ME! Into Signing the Deferment Document Along with ADDED Documents of my Complaint. SHAME ON THEM! 

In Good-Faith I Am Currently Paying This Loan In The Mist Of Me Being A Victim of UNFAIR HARSH LENDING PRACTICES. I Am A Woman of Character. I Believe In Paying My Bills On Time. 

Life Happens! When It Does Companies Should Not Be Allowed to Prey On People who are Dealing with Valid Hardships. 

Please Provide Me Guidance On Filing A Law Suit. Thanks. 

Prayerfully, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2019-01-27
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX  and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong 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 2018-10-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian claim that they verify a bankruptcy on my report. they did not i sent multiple letters and you guys didn't tell me where you received the information from like i ask you just sent back verified. I also called and spoke with someone and i ask the same question where did you received the information from and the lady told me they went down to the courts to get the info which was a lie. my next step is to file a court proceeding on this and sue you guys for false information if this is not removed from my credit report in the next 30 days.

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 2023-12-15
Company: Experian Information Solutions Inc.
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX XXXX 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