BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I have tried multiple times to withdraw money from the XXXX XXXX card that was issued by XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The State of California sent my Middle Class Tax Refund on XX/XX/XXXX. On or about XX/XX/XXXX, I received the prepaid debit card and I activated it that same day. Every day since XX/XX/XXXX I have tried withdrawing money from multiple ATMs using the correct PIN but the account shows a {$0.00} balance even though when I log on to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's website XXXX XXXX XXXX  My balance is still {$1000.00}. I have attempted to transfer those funds to my personal checking account but the system keeps giving me an error. Anytime I call the Customer Service line at XXXX and at XXXX, I am told that they are not allowed to assist with the issues because their employer, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is instructing the very small customer service team to hang up on all the callers calling in about their tax refund balance so that the bank can keep the funds longer. This is illegal and needs to be investigated.

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 2022-05-20
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR
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:
On XX/XX/XXXX and XXXX I was charged for unauthorized charges both charges are {$49.00} each. I'm on XXXX and I can not pay my bills. These charges appear to be for a weekly newsletter. Please reverse these charges so I can pay my legitimate bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX  is currently showing two late payments on XXXX one for XX/XX/XXXX which I explained to XXXX XXXX XXXX that I did not receive my card in the mail at that time and it shouldn't be reporting as past due and XX/XX/XXXX which I explained that I was affected by Covid 19 and this should be Covid  protected. XXXX is showing one late payment for XX/XX/XXXX which should be Covid Protected and Experian is showing XX/XX/XXXX which should be Covid Protected. This is a violation of my rights under the Fair Credit Reporting Act 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive Practices There is abundant evidence of the use of abusive, deceptive and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to martial instability, to the loss of jobs, and to invasions of individual privacy. 15 US Code 1666b- ( A ) Timing of Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed and delivered to the consumer not later than 21 days before payments due date.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have already provided the necessary documents for identity theft as well as proven the information has multiple inconsistencies across each credit bureau and requested that the validity of the accounts be properly verified. All parties have failed to provide me that proof. I have also found a publication on the IRS website in which the IRS defines a charge off as gross income ( Section 61 ( a ) ( 12 ) of the Internal Revenue Code specifically includes income from discharge of indebtedness as gross income. ) INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting inaccurate and fraudulent!

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 2023-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had a Kohl 's Department store credit card for many years. My sister also has her own account, and we are authorized users on each other 's accounts. I called Kohl 's on XX/XX/2023 and spoke with a representative to further understand my minimum payment prices, because they appeared to be higher than normal. There was inconsistency regarding my expected payments ( sometimes {$29.00}, XXXX, XXXX, XXXX ). He insisted that I have my sister verbalize consent to access her account, but I was calling specifically about my own minimum payments. He became frustrated with verifying information and hung up on me without any resolve. I called on XX/XX/XXXX to make a payment for over {$100.00}. I was notified through email on XX/XX/XXXX that I was several payments behind. I had not previously been notified through phone, email, or text by Kohl 's that I was delinquent on payments. After speaking with a representative on XX/XX/XXXX, they have no record of payment since XXXX. Through the automated system, when I add my SSN, it provided sister 's account information ( which I'm not authorized to have without her consent ), my minimum payment, and presumably my banking information. These payments were never processed on either my account or my sister 's, and neither of us were billed. More confusingly, now on XX/XX/XXXX, it gives her account information, her minimum payment, and her banking information. After calling Kohl 's today, XX/XX/XXXX, they are saying my normal minimum payments are {$36.00}, but they charged me {$100.00} for the months of XXXX and XXXX and another {$79.00} will be billed for the month of XXXX, saying that I owe more because my payments were late. They refused to change this amount due, saying they're not authorized and there was no one else besides another supervisor I could speak to about my complaints. As of XX/XX/XXXX, when I call to the automated phone service and provide SSN, it still doesn't give any of my account information, and no representative has tried to fix this or give appropriate answers as to why this is still happening. My credit score has significantly dropped ( about XXXX points ) during this time. I have been charged higher payments, I have been billed higher interest rates for the late payments, and I still have no confidence in security for my account. I still don't understand how this happened, and have been given no plan of action to fix this by Kohl 's themselves. From my understanding, I was making payments and my accounts were current. During this time, one representative and one supervisor hung up the phone, and I still have more questions than answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I have a Capital One checking and credit card account ( for now ). An autopayment was set up to pay the credit card balance but I wanted to pay the entire balance so I set up a scheduled payment instead. The scheduled payment was enough to pay the balance but ... ..Capital One withdrew the autopayment and the scheduled payment leaving me with a substantial overdraft in my checking and a considerable credit in my credit card account. My concerns here are as follows:1 ) If I were to schedule a payment that was in excess of 10 % of the existing balance Capital One would not allow it so why would they allow a duplicate payment of ~60 % of the balance? 
2 ) Why does it take less than 24 hrs to withdraw my money but 8-60 days depending on which of the XXXX representatives I spoke with to get it back? 
3 ) Why if I overpaid the balance on the credit card would I be assessed an interest fee? While they did eventually credit the account for the interest, it seems like this process is set up to systemically drive unsupported fees. I suspect I am not the only person caught up in this less than scrupulous activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: VA
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 have several credit cards that had fraudulent activity in them I didnt know because my daughter purse was stolen with her phone as well I reported this to all of my credit cards and none of the have gotten back to me they shut off all my cards witch what happened wasnt my fault and I reported this to XXXX  XXXX, 3 cards there XXXX, XXXX, XXXX, these card companies have closed all my cards after I reported they were stolen they didnt reissue them back to me and on my credit re XXXX posted them as closed this can hurt my credit as well as all 3 reports show different things on the and amounts they also have been running my credit over and over so I have so many hard inquiries on my report I would like this matter looked into immediately and fixed soon as possible

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 2023-08-28
Company: Experian Information Solutions Inc.
State: SC
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 is my 8th 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 an alleged fraud or extortion. 
XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: Evergreen Moneysource Mortgage Company
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 inquired to see if ( Evergreen Home Loans ) could remove a late payment from XX/XX/2022 that was reported to the credit bureau. ( They did however remove the late fee ) This was the first time that I have had any type of occurrence of this nature, if they were look at my past history it solidify my statement. 
When I first discovered that this occurrence happened, I immediately called and spoke with a loan representative and sent in payment for full resolution of the XXXX $ in question. 
The original payment check was sent in but with an error on it. 
The error was that when physically writing out the complete dollar amount on the check the words " XXXX XXXX '' were accidentally omitted, However the full loan payment amount of XXXX was written numerically correct on both the check and on the voucher. 
Evergreen home loans response to my request was " Unfortunately, we are not able to correct Per CFPB guidelines, we are required to post the check for the amount that was written out ''. 
what CFPB guidelines are they referring to? there response has nothing more than a loose mention of the CFPB with no supporting information from the CFPB guidelines to support their statement. 
Can they remove the reported late payment from my credit report? And why cant they correct it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have two XXXX XXXX accounts that have not shown on my credit report and it affecting my credit rating. 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have reached out to XXXX XXXX and was told they are reporting on the XXXX of each month yet I do not see the entry of any of 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 explanation
Consumer complaint received 2022-10-30
Company: Bread Financial Holdings, Inc.
State: TX
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:
There are two unauthorized inquiries done on the same days one from comenitycapitol/XXXX & & XXXX  Ive never even applied for any credit cards when I looked on my credit report it couldnt even provide information on the companies. When I tried disputing it the results came back fast to as if they didnt even check it because both of these were not done by me, nor did I apply for anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21
Company: EQUIFAX, INC.
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
First things first, my father and I share the same name. We also shared an address and he co-signed one of my car loans. My father also passed away in XXXX. Upon paying off my car loan a few months ago, I wanted to check my credit reports to make sure the information was accurate. I had no issue with XXXX. Unfortunately that wasn't the case with XXXX and Equifax. My file was mixed and I was reported as deceased with both agencies. Both XXXX and Equifax asked me to submit documents ( Driver License and Social Security Card ) to prove my identity, which I did. I sent the documents certified, return receipt. Upon receiving confirmation that my documents were received, I reached out to both credit bureaus to find out if my issue was resolved. It took me about a week of hour long phone calls with XXXX before I finally reached a stateside supervisor who was able to fix my issue and lift the deceased notice off of my report. Now my remaining issue is with Equifax. They keep insisting that my credit report has been corrected, but I keep asking for proof and they keep stating that they have to escalate the matter. As of XXXX, XX/XX/XXXX, my credit report issue with Equifax is NOT resolved. I tried to adjust my a credit card interest rate with XXXX XXXX earlier and they stated that there is an issue with my Equifax report and they are unable to pull it to make a determination. I tried logging into XXXX  to view my credit report and went to make a dispute, but I received an error message asking me to contact Equifax, so obviously my issue is not yet resolved. I am legit exhausted from all of the back and forth and just need some assistance to get this resolved once and or all. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All 3 credit agencies isnt letting me dispute my student loan incorrect balance and I tried to dispute late reporting from 5 years ago and the companies refused its been a headache from the start

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Consumer Financial Protection Bureau Subject : Complaint against Toyota Motor Credit Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Toyota Motor Credit regarding their refusal to offer an extension to my account despite my vehicle being in the shop for over a month without repair by the manufacturer. This unfair practice has significantly affected my credit score, and I seek your assistance in resolving this issue. 

My vehicle, covered under the manufacturer 's warranty, has been experiencing serious safety concerns. Due to these issues, I have left my vehicle at an authorized Toyota repair shop for an extended period. Unfortunately, the manufacturer has been unable to obtain the necessary parts in a timely manner, causing significant delays in the repair process. 

In order to protect my consumer rights, I have filed a lemon law buyback claim with the Virginia State Attorney General 's Office and Lexus Corporate Office, the parent company of Toyota. These actions were necessary to address the ongoing safety and quality issues with my vehicle. 

Given the uncertain timeline for the resolution of my lemon law buyback claim, it is unfair for Toyota Motor Credit to refuse a temporary extension to my account. It is unjust for a customer to be held responsible for making payments on a vehicle that is currently deemed unsafe to drive, especially when the manufacturer is unable to promptly provide the necessary repairs. 

I urgently request your intervention in this matter. I implore Toyota Motor Credit to immediately defer the upcoming 3-4 months ' payments until a final decision is made regarding the buyback claim. This will prevent further damage to my credit score and ensure that I am not burdened with financial obligations for a vehicle that can not be safely operated due to the manufacturer 's inability to obtain necessary parts in a timely manner. 

I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint and work towards a fair resolution. 

Thank you for your attention to this matter. I anticipate a prompt and satisfactory resolution. If you require any additional information or documents. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
To Whom it may concern, I've been a BOA member for many years and I'm a preferred Gold member. we recently had a fraudulent event with Boa and were not at all happy. On XX/XX/XXXX my wife XXXX received numerous alerts from BOA via email and text messages saying that our debit card had suspicious activity. My wife called the number which connected to BOA, music and all. a rep got on and had full access to our account. They then quoted us on various charges that we did make confirming it was Boa. They then sent us a code to her phone, which she sent back. The rep said that the fraud was in the XXXX account for XXXX and XXXX others for XXXX dollars. They said that in order to get the funds back, she needs to set up XXXX and send money back To herself. At this time we were out for XXXX dollars. we spent numerous hrs on the boa fraud phone which takes hrs to finally answer. We were told that the matter is under investigation claim XXXX. we were told that after 10 days we would be credited while the investigation was on. Yesterday Y after day 14 I called only to find out my claim was denied!!! What a great way to treat a good member!!! 2 weeks ago we filed a police report number XXXX with the XXXX XXXX NJ police dept originally XXXX am appalled that a large organization would not help me!!! Since I've contacted a Detective and now I'm filing with the state attorney for banking. Th is nonsense and the Federal government will cover me. Once I prevail I will be closing my accountant!!!! I did some research and channel XXXX did a full report on this!! Now I'm really angry because you did nothing to inform your clients which is incompetent on your part. We should have been warned. I will be joining the class action suit that's now going on against you! cal believe it's come to this and like I said it's wrong!!! 
I can send you the following article to educate you on this matter. I'm going to wait for your response before I move to the next step Sincerely, 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 monetary relief