BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
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 rewards from credit card

Complaint:
I received a promotional credit card offer in the mail in early XXXX from fifth 3rd Bank. It had {$150.00} bonus after you spend {$500.00} in the first 90 days. I did what I was supposed to do and did not receive my bonus. I called them a week ago today ( XX/XX/XXXX ). They said they would get back to me in 72 hours and still have not called. I tried calling them again today ( XX/XX/XXXX ). I got put on the phone with 3 different people before they put me on hold and eventually disconnected me. They act like they have never heard of any promotion. This is false advertising. I am owed {$150.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
I have a credit card with Capital One. The interest on purchases is 21.4 % and the interest on cash advances is 26.4 %. My balance on the account for my XXXX states is {$2700.00}. The overall credit limit on the account is {$3000.00}. I have a cash advance credit line of {$1500.00} but some how the cash advance balance is {$2600.00}. I haven't gotten a cash advance in almost two years. To my recollection, I have never missed a payment. I spent almost two hours talking with two different representatives trying to ascertain ( 1 ) how my cash advance balance is almost {$1000.00} over the limit ( 2 ) why the {$26000.00} does not appear to have gone down in the almost two years since I have took out the last cash advance, and ( 3 ) how the the cash advance balance get to be such a high balance in relation to the overall line of credit. Neither representative could explain any of my questions. They tried to say that the reason for the balance is because of the interest that accrues on the account every month. However, the interest that is charged on the account can't be more than the minimum payment or the account will never be paid off. Example ... my XXXX statement says the minimum payment is {$87.00} of which {$58.00} was interest charged for the cash advance and {$2.00} was interest for purchases. I made a {$100.00} payment. There is not logical way that the cash balance should go up, even if I pay the minimum payment it still should not accrue a {$1000.00} of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be so kind to help me, I'm asking for your company to help me enforce what the law states for this corporation to do correctly. Please and Thank you I entered a consumer credit transaction with Capital One Auto Finance on XX/XX/2021. Which involved a finance charge along with a down payment of { {$3000.00} } cash. Pursuant to XXXX5 usc1605 ( a ) finance is charge is the sum of all charges in a consumer credit transaction and does not include cash. XXXX XXXX is in violation of the 15 USC 1605 Truth In Lending Act. Capital One Auto Finance didn't offer any insurance and they failed to disclose to me my right of recession and provided me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Capital One Auto Finance is criminally liable, pursuant to 15 USC 1611 and also civilly liable for double the amount of my finance charge { {$47000.00} }, pursuant to 15 USC 1640 and 15 USC 1692K.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/19 I was notified that my debit card had potential fraud when I had possession card. I called fraud and it was determined that someone was trying to use my card number. I am currently traveling and needed funds so I had to activate my credit card. I asked for a fee that was assessed on XX/XX/19 in the amount of {$35.00} to be waived as my funds were deposited on XX/XX/2019. I have been a customer for 7 years and the supervisor refused to waive the fee. I am asking for the fee to be waived as a courtesy as I was on the phone with Bank Of America for over 40 minutes due to a fraud issue that was not my fault. Please review.

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 2018-12-21
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
They were included in bankruptcy and not sure why but also they are closed due to consolidation and show on report multiple times and need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
They were included in bankruptcy and not sure why but also they are closed due to consolidation and show on report multiple times and need to be removed

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 2020-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
All the inquires listed are unauthorized. I demand the authorization and proof of inquiry.

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 2021-06-06
Company: Collection Management Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed that Collection Management Services of XXXX XXXX, TN had reported negative information on my report without my consent ( violation of 15 USC 1681b ( a ) ( 2 ) and 15 USC 1692j ( A ) ). I began to make payments in order to satisfy the balance and clear my name and credit. My goal is to buy a home ; so it was important that I took care of the matter. I received an letter from them dated XX/XX/2021. The letter was sent for an organization in all caps and not to me the consumer. I seen that it was not my debt and I decided to request validation on XX/XX/2021. They did not give me any proof of agreement or contract that I had with Collection Management Services and they sent another letter requesting payment on XX/XX/2021. Under 15 USC 1692c ( c ) ( 1 ) ( 2 ) ( 3 ), I sent a cease and desist on XX/XX/2021. As of today, Collection Management Services are still reporting to XXXX, XXXX, and XXXX  which is a violation to 15 USC 1692j ( A ) and 15 USC 1692c ( c ). Under my rights as the consumer, I demand them to be deleted immediately for they do not have the right, contract, nor agreement to do. The company logo and language on the two letters is a violation of 15 USC 1692b ( 5 ). As the letter continued, they stated it was an attempt to collect which is a violation of 15 USC 1692b ( 2 ) on both letters. As the consumer, I'm seeking remedy under 15 USC 1692k ( a ) ( 1 ) ( 2 ) for each FDCPA violation. As a debt collection agency, Collection Management Services take an oath to abide by the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Experian Information Solutions Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit bureau is in violation of FCRA, 49 CFR 801.56, XXXX- XXXX- XXXX   ACT etc.

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 2020-10-14
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello As per my forbearance agreement lasting from XX/XX/XXXX - XX/XX/XXXX with Shellppint Mortgage Servicing XXXX. XXXX XXXX XXXX, MI XXXX and the current law states that I would not be reported to the credit agencies. Shellpoint reported me as being late for XXXX and XXXX. 

My score has plunged 70 points and you have put me in jeopardy with all my other credit cards that could lower my spending or close my accounts. 

I called yesterday and an associate told me I would have to dispute this with the bureaus. 
This makes no sense since they made a mistake and accidentally broke their agreement in writing with me. I have the letter as proof. Can you please help me and have them correct this incorrect reporting to the bureaus? Thank you so much XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I had my last course completion on XX/XX/2019. I have already been called repeatedly and have received a notice that I have missed payments totaling {$390.00}. XXXX Loans claims I am delinquent however I have been in in school deferment since XXXX. They have constantly harassed me in the past despite my in school status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Equifax has not yet sent me the results of my credit investigations, despite the fact that I sent the request to them nearly 2 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Resurgent Capital Services L.P.
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have sent letters certified to LVNV Funding LLC and requested they show proof of signature and contractual obligation I owe them any money, to wit they failed to comply. I sent first letter out on XX/XX/20 and they received the letter on XX/XX/20 @ approx. XXXX. The second letter was sent on XX/XX/20 and was received by there office on XX/XX/20 @ approx. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: OH
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:
My credit report shows a XXXX XXXX account ending in XXXX with the status " terminated ''. I was removed as an authorized user from this account. It should not be displayed on my credit report and the bank was informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of fraud. This situation was reported to the different credit bureau agencies and collections agencies. Last year a complaint was made to the FTC and sent to agencies XXXX, XXXX XXXX XXXX. I'm receiving from a law firm and civil court making collection efforts. The situation has been explained to by letters, callas and annoying procedures are still continuing. 

XXXX 2016, Amount : {$1900.00} XXXX XXXX XXXXXXXX2016, Amount : {$1200.00} XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX report a balance {$2500.00} XXXX report a balance {$4300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03
Company: GreenSky, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Home Depot project loan card says permanent card will arrive between 3-5 business days. When I started to call the customer service number for a tracking number or any updates after the 6th business day ( XX/XX/XXXX ) I was told there was no way to track. I called every day to try to see if I should be worried the new card was so late. They said 10-15 business days was normal now. Finally 2 and a half weeks later ( XX/XX/XXXX ) I was given a tracking number that said the card was returned and signed by someone at their offices on XX/XX/XXXX. They said in the meantime while they print a new card I can use my temporary shopping card printed in store. When I went to the store, the printed copy was unable to be used as the new bar code was not there. Consistently, the credit serving company lied to me on the phone about not being able to track the card, shipping times, and daily temporary card limits and usage. This has been the most frustrating process and I feel completely abused by this company. My renovation is behind and I missed sales on products and even the availability of products. I would not recommend this project loan to my worst enemy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: CITIBANK, N.A.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX XXXX & Citi Bank are using their significant market power to discriminate against customers based on lawful firearm related business activities. These decisions were unabashedly prompted and lauded by anti-gun activists as political statements and social engineering, not as business decisions based on any alleged financial unsoundness or criminal activity of the affected customers. Lawful activities in accordance with U.S. Constitutional rights should not be discriminated against!

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 2018-05-14
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: LA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid the amount that was ordered by my Attorney XXXX XXXX for my bankrupty that was filed XX/XX/2015. I was told by XXXX XXXX to pay my payment of XXXX monthly and the bankrupty court was also collecting payment each on this account. I do have my receipts for the payments I made and also proof for bankrupty court collected.as my attorney instructed me to do so. I was told by Vanderbilt Mortgage agent that they were going to foreclouse on my house in XXXX XXXX XXXX XXXX. I was making to payments a month on this loan how could I be behind that is why my Attorney made sure I was paying my payment each month me and my daughter paid. I paid XXXX where was that money applied. Where was the money the bankrupty court sent to them applied? They told me I am XXXX behind and that is what I need to pay to catch up on my account, they are foreclouseing on my house. They are reporting to the credit bureaus that I am 30,60,90 days and behind on payments. I asked for a mofification and they denied me because my income was not enough and I got this house with the same income I have now but my daughter help with my income so I have more income and was told not enough. Please help me with this mortgage company.

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 2021-07-16
Company: Porania, LLC
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 are not mine and i want them to be remove from my credit report. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

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

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

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

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

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: WAKEFIELD & ASSOCIATES, 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 noticed and the beginning of the year of some unusual activity on my credit report my email was on the dark web and this company keep showing up first as XXXX  got it deleted then it shows up as Wafefield & Associate and got it deleted so I put a freeze on my credit and put a fraud alert as well but for some reason this company keeps coming back on my report and I keep loosing all these points please help and advise

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
There's an inquiry on my TransUnion consumer report from a company I do not recognize. I don't have an account with them, please remove these accounts and inquires. 

TransUnion Credit Report Company : XXXX XXXX Inquiry Date : XX/XX/XXXX Company : XXXX XXXX Inquiry Date : XX/XX/XXXX Company : XXXX Date Account Opened : XX/XX/XXXXXXXX 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 2020-10-14
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This has now happened to me twice and this issue more recently. 

Back in Year XXXX, I was looking to get a credit card for Emergencies ... My mom wasn't doing too well medical wise and was going to have to go out of town a lot to the XXXX XXXX and help out before coming back home to XXXX. My schedule very busy with work, keeping ontop of things or above things. One thing, I wanted a credit card and was looking into originally get a Discover Credit Card. 

I got home, paying bills and paid whatever came in the mail. I was paying on a bill but realized that I never received a card for Discover. 

I spoke to my banker and asked what was best thing for me to do because I did make contact to say it was not to me. He said to contact the XXXX  business and write up as fraud and see what happens. It was shown in fact it was fraud, that came off my name, off my security number, off my records but Discover has not left me alone and now has mailed me an Attorney Referral Pending. 

If I don't get back to them by XX/XX/XXXX. I am not sure what to do anymore and to protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I continue to receive notices from Victoria Secret stating I owe on a credit card purchase. I have never taken out a credit card with this company. I am a XXXX year old lady that bought my grandaughter a nightgown online where I purchased it before it shipped. 

I wrote to Victoria Secret and they state I owe it. I never gave them my social secuirty card so how do they have a credit card in my name??? 

I am getting late fees and this is destroying my good credit. 

Each statement has a different amount owed and charged. I dont charge at this store!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
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:
I took an online survey from my email XX/XX/22 and it started I could get free skin care products just pay shipping of {$4.00}. And you got two bottles of cream that was it. The company charged me {$88.00} to enroll in a program that was never stated in the advertisement nor any of the emails I was sent. I told the bank it was a fraudulent charge I never agreed to pay them for one bottles XXXX and XXXX for the second one total amount of {$160.00} I called the company many times they never picked up the phone sent me a email saying sorry we didnt get back to you

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 2018-05-14
Company: CORELOGIC 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:
CREDCO 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