BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-16
Company: CNG FINANCIAL CORPORATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I initially started doing business with XXXX XXXX XXXX in XXXX of XXXX, and at that time i was prequalified for up to $ 1500-00 cash. 
I continued to do business up until XXXX of XXXX, at which time this merchant was paid in full. 
At the time I closed the loan I was not informed that there was possible changes of lending policies at that time in the future or fine print. I thought I was paid in full. 
I recently recieved forwarded mail from them on the XXXX XX/XX/XXXX, from this entity that I would be charged a {$180.00} " maintenance fee '' for having an available open credit line, on XXXX XXXX. 
I called to protest, and told them " how could it be so, I paid you in full? '' The CSR told me that as of XXXX the XXXX, if by then you did'nt OPT-OUT that it would be too late to do so. She expressed her apologies and then told me that there was nothing she could possibly do. I recieved this response from 3 different CSR 's I told her that I would call all the consumer support agencies that I could, because it was unfair. She conceded with me, and reiterated that there was nothing she can do.

She then told me that if i wanted to " OPT-OUT '' I would have to pay the fee of {$180.00} first only then i would be able to close my account. 
This to me folks is " consumer extortion '' at the least and the new way these types of entities harass consumers. Mr. XXXX XXXX is the President of this financial group, they are : T/A AXCESS financial, out of XXXX XXXX XXXX XXXX XXXX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Capitol One sent me an advertisement for a Quicksilver credit card quoting me a 16 % APR after XX/XX/2020 so I applied and was approved. 

However when my credit card terms and conditions arrived today they had increased their APR after XX/XX/2020 to roughly 26 %. 

I called Capitol One to try and correct what I assumed was a mistake both both a worker named XXXX and his supervisor XXXX told me that they couldn't change the APR so I closed the account. 

Capitol One is effectively baiting and switching their customers. This is immoral and ( I assume ) illegal as they did not honor the APR terms that they had guaranteed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have these accounts that does not belong to me and i want them to be remove from my credit report. 

XXXX  1. Identity Theft NORDSTM/TD Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft TD BANK USA/TARGETCRED Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I contact company under FDCPA requesting copy of credit appl and loan or repayment agreement. They continue to fail to produce these documents yet they also refuse to remove the illegal debt form credit agency 's.

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 2018-09-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2018 I made a Wire Transfer of {$5100.00} to a Bank in XXXX. I did this wire transfer at my Bank Wells Fargo. I did receive a call from my bank that same day or the next asking if I made a wire transfer, I responded yes. 

On XX/XX/2018 my wife and myself took vacation and we were out of the USA until XX/XX/2018. Wells Fargo made a second Wire Transfer of {$5100.00} to XXXX without any autherization from us. The Wire Transfer went to the same place. 

I have been fighting with Wells Fargo to see if they can Deposit the money to our account so we can make payments that we need. We have bounce checks for insufficient funds and have no money to cover other bills. 

Wells Fargo could not produce a second document signed by me or my wife authorizing the Wire Transfer of {$5100.00} on XX/XX/2018. 

The bank employee and the Bank Manager agree that is was the Fault of  Wells Fargo, but have not made an effort to cover our expensive or temporary deposit the {$5100.00} in our account.

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 2019-03-29
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received numerous number of calls from different numbers from collection agency, Capital Accounts ( original account XXXX XXXX in XXXX ) regarding {$3500.00} medical account. I have spoken to 3 different agents over the past few months regarding this account and provided each agent with the Laywer name, XXXX XXXX XXXX   and phone number XXXX to contact regarding the medical account. I advised all three collection agents that XXXX XXXX XXXX is responsible for the medical accounts due to my case was closed and any medical expenses are covered by XXXX XXXX XXXX. I called and spoke with XXXX XXXX XXXX  front office rep, XXXX whom received advisal from a nearyby in office paralegal attorney, advised that I contact medical office regarding my account and inform that my case was closed and that all medical bills/accounts should be closed and that if there was a bill due, that XXXX XXXX XXXX   has an agreement with their office, XXXX to send all medical bills/accounts regarding my account to XXXX XXXX XXXX  and not directly to me. I was also advised by XXXX   that this account should have been resolved when they closed my case at XXXX XXXX XXXX. I called and provided this information to the collection agency today, XX/XX/2019 and asked the collection agency if they have the contact information to contact XXXX XXXX XXXX, as I have provided the same information from previous calls over the past week/months in the notes for XXXX XXXX XXXX. Collection stated there are no notes on my account, after I have spoken with 3 or 4 different agents. This is on my credit with all three credit bureaus and I am not responsible for this debt. XXXX XXXX XXXX  stated and also I signed a contract stating XXXX XXXX XXXX are responsible for a medical accounts. The medical office XXXX did not send bill/account directly to the XXXX XXXX XXXX, as agreed in their contract agreement. At the time, the original creditor, XXXX   stated that they sent out letters to my address in XXXX and I was no longer at that address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I am telling Citi bank from XXXX that did not use the card. Open a dispute, but they are saying I am responsible for it because they found my card chip on transactions. They can not help me with it, and I don't know what I do not. My credit score is going in terrible condition

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 2021-03-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My servicing company PennyMac collected an escrow payment from me, and was supposed to adjust my mortgage. Additionally, I continue to receive notices from my insurance company suggesting my home insurance hasnt been paid. At a minimum now the effective dates are different, but PennyMac is unreachable.

Even after staying on hold for 30 minutes at a time, they simply disconnect my calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Company harasses me all day. Receive 20 calls a day

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 2022-01-07
Company: EQUIFAX, INC.
State: CA
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 sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were late payments showing on my report and these report is misleading and suspicious and was never late. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.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 or delivered to the consumer not later than 21 days before the payment due date. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 HAVE CONTACTED THIS COMPANY SEVERAL TIMES PAST 3 MONTHS TO DELETE AND DISPUTE THIS INCORRECT INFORMATION THAT IS BEING REPORTED ON MY CONSUMER FILE. THIS IS AFFECTING ME AND I WANT THESE REMOVED IMMEDIATELY.

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 2018-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/2018 I received a notification that XXXX made a hard inquiry to my credit report. I did not apply for a XXXX XXXX account and my information was used by someone else to open an account. I contacted XXXX and they did not help they told me to contact Transunion to dispute it and Transunion told me to get a deletion letter from XXXX who refused to do so.

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 2018-11-16
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
AMEX Bluebird has assured me every month that they would refund these chargea.

AMEX has decided that they do not want to refund the money as they loose merchant fees that way. I have attached the form AMEX wanted me to fill out so that you can see exactly what I am talking about. I will also copy and paste the section on the charges that I have disputed every month with them. 

Thanks agin for all your help! 

The merchant XXXX Date US Amount Merchant XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX total {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Ditech Financial LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are not getting our statement in a timely manner and after 17 years we are still paying mostly interest. Out of our last 2 payments only around {$20.00}. went to principal.

When I've called them in the past about this they tell me things like " it's complicated and it all according to what day our payment goes in ''. I also believe they've held back deposit on payments for this reason. 

Once when I mailed the payment 10 days before it was due they charged us a late payment. The payment was received on time but they held it. When we verified this they backed off of the late charge.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
To whom it may concern, I recently looked at my XXXX XXXX XX/XX/XXXX. I noticed there was a lot of inquries I have no clue what they are and never applied for. I feel these were all fraud as to my knowledge I never asked any of these companies to run my credit. They were not authorized by me. I would like all of the following to be removed from my credit report through any reporting agency. I never signed any documents or heard of some of these companies. XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I have shown pictures below. Under the fair credit reporting act 609 you will see none of this stuff is accurate. Thank you for your time and hopefully all this can be fixed as I am trying to fix my credit and have accurate information.

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 2019-03-30
Company: Second Round Limited Partnership, Austin, TX Branch
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Second Round collection account on my credit reports I have disputed on several occasions. Secound Round collections account.. I do not have an corresponding account number referencing a corresponding number on my credit reports, as this account does not belong to me. I have disputed and spoken with the credit bureaus trying to resolve this problem to no avail. The account number nor the amounts from the collection agencies correspond with any debt listed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: JP RECOVERY SERVICES, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JP RECOVERY SERVICES XXXX needs to delete this account from my credit report and stop all contact with me. I demand to see the contract and PROOF OF CLAIM OR TRANSFER TITLE OF OWNERSHIP OF THIS DEBT BE PROVIDED. PLEASE STOP ALL CONTACT WE ME BY PHONE. PLEASE FILL OUT THE ATTACHED CREDITOR DISCLOSURE STATEMENT. 
Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt.I will prefer that we both avoid the pursuit of my rights, under 15 USC Section 1681n and 1681o ; which requires your compliance with the law. Please follow up with a response of accurate information within 15 days. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Around XX/XX/2018 I had my credit report run for a rental application. XXXX   stated that I have too many accounts open and the balances on those accounts are TOO HIGH. 

However when I called XXXX they agreed that I only have 2 open accounts with low to no balances. They were not sure why they reported that I have Too Many open accounts with High Balances on them. It was a very hard and long process to talk to them, they asked rediculous security questions ( if I have paid off my account in full, what would be the balance? XXXX Dollars. That is correct, you have passed the security tests only there were several questions like that ). I also tried to submit a dispute on their website but their site had several problems to which they told me that they are having technical difficulties with their website. The person on the line was difficult to understand and was unreasonable. I was told that companies are running soft inquiries on me, without my knowledge or consent and it is up to me to contact all of these unknown companies and ask them to submit letters asking XXXX to remove their information. This is impossible. ( Just paraphrasing the conversation I had on the phone with XXXX ). On the phone they agreed that I do not have multiple open accounts with high balances, However this is the information that XXXX provides in the report. They suggested that I contact the company that ran the report and tell them to stop reporting wrong information ( when in fact it is XXXX that is reporting the wrong information not XXXX XXXX in XXXX XXXX CA ).

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 2018-11-16
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The calls began 4 weeks ago. I have received a call from XXXX XXXX XXXXXXXX XXXX at least three too four times a day from random numbers requesting payment. I answer the calls and explain my situation of unemployment. However, they continue to call through everyday and through out the day. On XX/XX/18 at XXXX XXXX, I spoke to a call center manager, who I requested a verbal cease and desist. In addition, I requested an address where I can submit a written cease and desist. The address was not provided and the manager once again began his collection tactics. I am requesting assistance on having the calls stopped until I am able to make arrangements on paying my debt.

Company response to consumer: Closed with explanation