BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-21
Company: Clarity Services
State: FL
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:
some time on or about XX/XX/2019 the bank name XXXX XXXX a XXXX XXXX  XXXX XXXX XXXX in there Declind was base on a review of your report. mere fact your information can be accurate how do you are your enity report to the unacceptable bank account history have being a cusmtor of XXXX XXXX XXXX in XXXX XXXX for over 10 year they finance my Home which in fact is pay off second i have any with XXXX XXXX for over 20 year and number account this lending that in good standerd your company need to correct there false statment about me and my wife because is not true your fact are wrong this is not the frist time you all have issue statement that destory my name please i amask you to correct these fact statement that you are makeing. now XXXX, XXXX, stated that i have good credit with no negative performance. i have 28 account and all is pay as agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
on or about XX/XX/XXXX XXXX XXXX notify me and stated XXXX XXXX to get your used down capital one have the right card for you. because you have good credit and with a good standing pay history. apply for this card because you have good credit. which in fact is fair credit XXXX is fair credit. some one pull your credit it effect your score. never late, never missed any payment in in 120 month on my account. but capital one went through three disffence agencies just to say no. went they could have use one credit agencies to say no. and it effect my score big time. but what they was looking for was some one with a 720 scores. and that is misleading the market. what they said is a ( fair ) score and went you make 6 month of payment on time we will up your credit limit. now before capital one pull my credit my score it was XXXX it is XXXX. they mislead me and there consumer, and did offer any offer, so is capital one mislead people are is it XXXX XXXX   false misleading there client. this was mistreat and it was unfair to me. these false and mislead fact I would have never apply for that card. but that what they was hope to get some one to apply with a 700-720 score. and i once have a XXXX score in XXXX .application ID XXXX. I ask capital one to show me a mark on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I took a personal loan of XXXX out through XXXX XXXX XXXX XXXX in the fall of XX/XX/XXXX. I became delinquent on the remaining balance of XXXX in XX/XX/XXXX. In XX/XX/XXXX, XXXX XXXX sued me and won a judgement in absentia and garnished my wages beyond the amount and fees owed. I disputed the validity of the debt in XX/XX/XXXX in XXXX County court where the garnishment was filed. I settled with XXXX, via a consent order, wherein, they would reimburse half of the garnishment, and I'd make payment arrangements to settle the balance. I have not had my funds returned. My attempts to contact XXXX XXXX, who represents XXXX in the case, have gone unanswered. Furthermore, XXXX XXXX has been paid in excess of the original balance owed, yet the company continues to maintain a lien on my property and is reporting to the credit agencies that I am delinquent and owe the full original balance despite the company being paid in full XX/XX/XXXX through an unlawful garnishment of my pay check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is in response to Goldman Sachs USA previous response on XX/XX/2020. 

Goldman Sachs has ignored the Identity Theft claim. They have NOT contacted the bank used to open the account and make the " ( 9 ) successful payments '' nor have they confirmed if the account was compromised and used for fraudulent activity such as opening credit accounts, and loans. According the bank records on XXXX  XXXX  of the consumer as of XX/XX/XXXX, there was only one bank account in the name of the consumer at the time of opening the Goldman Sachs account which according to Goldman Sachs was on XX/XX/XXXX. The name of the bank was " XXXX '' and the account did not carry balances high enough to open a personal loan which as of XX/XX/XXXX, states a balance of {$12000.00} with Goldman Sachs according to the XXXX   Consumer Credit Report. According to the XXXX XXXX Reports of the consumer, the total balance for the consumers bank account  " XXXX '' as of XX/XX/XXXX was {$57.00}. This amount is NOT sufficient enough to open a personal loan account with a balance of {$12000.00}. An inquiry was also made from Goldman Sachs Bank on XX/XX/XXXX requesting a copy of the consumers XXXX XXXX report. They have reviewed the consumers banking information on XXXX XXXX and have failed to mention this in their last response! A copy of the Identity Theft report and XXXX XXXX report have been attached to provide evidence that the account for Goldman Sachs bank was opened fraudulently without the consumers knowledge or permission.

According to the Identity Theft claim, the bank used for this account was found to be compromised and fraudulently used to open the Goldman Sachs account. I request that CFPB priorities and  investigations further investigate this claim and provide assistance in filing a law suit against Goldman Sachs Bank USA as they have failed to provide verified evidence that the account was opened by the consumer and not of fraudulent activity. Under The Fairs Credit Act, Goldman Sachs is violating the consumers rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX To whom it may concern, Regarding : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Back around XXXX I had a HELOC Home Equity Line of Credit. When the recession hit my husband and I could lost our jobs and we could not pay our bills. When my husband gained employment we were able to do a modification. This was done and our HELOC was charged off. Years later, I called my creditors and made good on past accounts with payment arrangements. It was then, that I discover that my HELOC was sold from M & I Bank to BMO Harris Bank N. A. I was never notified the loan was sold at that time my house was under water by over 100K. 

I called BMO in the past and have tried to settle, but they insist on at least 35K. I have told them this is not possible. This year, I received a 1099-C with a Identifiable event code of G. My accountant said it wa A cancellation of debt. When I did my taxes they said I was insolvent. 

I called BMO XXXX XXXX XXXX XXXX and spoke with XXXX regarding the 1099-c. For the amount of XXXX She said the reason I received the form was because I had passed the statute of limitations for collections. I then asked if they would remove the lien. She said no, NOT until I pay off the debt. She wanted to settle for XXXX. I told her if I could I would have. And that even if I sold the house today, after expenses paying the 1st only, I would need to come with money to the closing table. I told her I would like to have the lien release. Since I have a 40 year loan and want to refinance. I do not think I will live to be 98 and pay the first off much more the second. I told her it does not make sense to charge off the debt, and for them to get the tax ride off and still collect from me. It seems like they are double dipping. Well XXXX said I could write a hardship letter and maybe they will accept a lower amount. 

I am wondering if I have any rights as a consumer for this. Since I am in no position to hire and attorney. I have searched the internet and its called XXXX debt. There is contradicting information. I am also sending this letter to other agencies, as I feel the their business practices are deceptive and illegal for trying to collect after a cancellation of debt 1099-C. 

I can be reached at XXXX ) XXXX the best way is email XXXX Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX  .cc Federal Reserve .cc Attorney General .cc XXXX XXXX XXXX .cc Fair Debts Collection Practices

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: Chime Financial Inc
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I received a check from one of my retirement account providers on the morning of XX/XX/2021. 

I used the mobile deposit process to deposit the check and Chime declined to deposit the check stating the following : " We were unable to verify the check submitted. This can happen for a variety of reasons, but typically this is due to the issuer or the remitter not being able to verify the details on the check... " This email makes it clear, in unambiguous language that someone at Chime reached out to the issuer/remitter of the check, i.e., my plan manager, to verify the check details. That, as it turned out, was a bald faced lie. 

I called my plan manager and specifically asked if someone from Chime had reached out to them to verify the details of the check they issued to me and the answer was a resounding " No! '' He also told me that should I contact Chime, he would be happy to do a three way call to confirm the legitimacy of my check, an option I was not offered by Chime. 

I called Chime and brought this to the attention of their customer service department and, even though they escalated my complaint to a manager, even though I specifically read the contents of their declination email, and related the conversation to my retirement account manger to the customer service agent, ultimately I was told that they would not give me any information about their decision making process. 

I asked to know what process they used to determine the legitimacy of a check. I specifically asked why they had not, as stated in the email, reached out to the issuer/remitter or perhaps if they used a service like XXXX, a company with an utterly horrible reputation for placing random, false information on a consumers record, declining to deposit or cash government/financial institution checks. The customer service agent declined to answer that question. At that point, I stated that Chime 's email to me stating their " reasons '' for declining to deposit the check seemed, at minimum to be a lie and at maximum, fraud. How these decisions are reached should be completely transparent between financial institutions and their customers. That this is occurring when so many people are in financial dire straits is unforgivable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never done business with this company nor have I ever entered into a contractual relationship with them nor have they ever provided me with goods or services YET they have reported their fraudulent trade line against my SSN to all the credit bureaus as if we have entered an agreement. Over a year ago I asked them to provide me with the contract I entered with them or a business agreement with my signature ( to validate the account ) and they have YET to provide adequate proof. They have provided statements that appear to be doctored. That alone is NOT enough to validate the legality of said debt. Nor does it validate that I AM the person you seek. Every month they re-age their fraudulent trade line against my SSN to all the major credit bureaus Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I tried linking my bank account via XXXX  and it keeps denying me access to my own account to make the payment and now Im being charged XXXX in late fees

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 2018-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Overcharged for something you did purchase with the card

Complaint:
While I traveled outside country, I rented a car in XXXX using BOA 's credit card ( BOA TRAVEL REWARDS VISA CARD, XX/XX/XXXX to XX/XX/XXXX ), rental car company withheld a credit on my card on XX/XX/XXXX and released when I returned the car on XX/XX/XXXX, then I realized that I was unreasonably charged usd {$46.00} for less than XXXX XXXX Lira charge ( it should be less then XXXX usd per market rate ), rental car company ( XXXX ) sent me letters clearly stated that only less than XXXX XXXX Lira was charged by them. BOA explain that this is because of the foreign currency exchange rate change and reject to dispute the overcharge, clearly I am treated unfairly and have been taken advantage by BOA.

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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-10-12
Company: Galaxy Capital Acquisitions, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill in XX/XX/XXXX offering to settle my debt with Galaxy International Purchasing. The debt was supposedly incurred in XX/XX/XXXX. Because this was so long ago, I called the company and requested more information. 

The person I called swore at me and accused me of trying to run from my debt. I refused to give her my social security number to " confirm '' this debt, and she swore at me again. I told her to send any proof to my mailing address ; otherwise, I would assume this was a scam. 

A few weeks later, I was being sued by this company. I had not received any proof of a debt. 

It has taken multiple rebuttals and submissions to the court and I only received information about the debt when I told the court I had not been given proof. At that point, I saw it was impossible for me to have incurred this debt. The addresses listed were not mine. It was easy enough to prove I did not live at those addresses. However, this company continues to sue me for this debt without proving through a signature or other information that I owe this money. 

I have spent nearly the amount of the original debt to take time off to go to file papers at the court or pay filing fees. The company has not responded regarding the person I talked to on the phone or the fact this debt is not mine. I know this is a company that buys old debt. They will not consider they have incorrect information. If I owed a debt, why wasn't I notified in six years? 

Today, I am filing a counterclaim, yet again. This company is absolutely irresponsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Experian Information Solutions Inc.
State: FL
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:
I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

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 2018-06-12
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've gotten a letter today, XX/XX/2018 from a company called XXXX XXXX saying I owed an amount of {$87.00}, stating the account holder was " XXXX ''. I've been using my XXXX account for years now and I've never been negative nor have I owed any invoices. 

I even looked through my XXXX account for that certain amount and there is no transaction of the sort On the letter, it didn't even tell me what was the bill specifically for aside from the amount..

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 2019-10-22
Company: Aqua Finance, Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/XXXX opened a loan of {$10000.00} w/an interest rate of 12.99 % that originated with XXXX XXXX for a home improvement project. In 1 year and 7months I had paid this loan down with XXXX XXXX to {$9500.00}. That's 19 months at {$130.00} a month a total payment of {$2400.00}. XXXX XXXX  then sold my loan to aqua finance in XX/XX/XXXX. From XX/XX/XXXX I have paid Aqua Finance {$130.00} for 33 months that's a total payment of {$4200.00}. My loan has gone from {$9500.00} to {$8900.00} that is a difference of {$660.00} in almost 3 years. With XXXX XXXX the interest fluctuated from $ XXXX {$100.00}. Aqua Finances interest fluctuates from $ XXXX {$130.00}. Why the big swings in interest? Why am I paying an average of {$210.00} a year towards the principle? At this rate I will never get this loan paid off. It is my belief that this company is improperly billing and manipulating numbers and this needs to be looked into. I sent this to XXXX XXXX, Examiner State of Wisconsin-DFI and Aqua Finance responded but there are discrepancies in their documentation. They claim that due to a revolving credit loan I pay a monthly payment factor of 1.25 % making my payment {$130.00} a month that is inaccurate, that was never agreed to and this was the first time I had ever heard that. They also included months of XXXX XXXX payments to increase their principle payment amount in their letter of response to the examiner. There are reviews of this happening to other customers online I am not the only one complaining about the billing practices of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: U.S. BANCORP
State: CA
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 requested from XXXX that they reverse the late fees and interest charges for my credit card payment that was paid in full but slightly late. The late payment was due to issues related to XXXX. I thought that XXXX would be reasonable and work with me to help find a solution but they denied the request with no further consideration.

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 2019-03-19
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Opened a complaint last month. Company said it was resolved but it wasn't. I have a line of credit with two promo rates. One is fixed for five years, the other promo rate lapsed at the end of last month. I took an additional draw to use to pay down the lapsing rate ( which would be higher than the fixed rate ). The company applied the payment to the lower interest rate ( so they could collect more interest income ). I specifically asked for them to apply it to the higher rate. Initially they said they couldn't so i filed the complaint. After the CFPB complaint the compliance officer said they had applied it to the appropriate note however upon checking, they did not.This has become a pattern of consumer abuse. Luckily I work in the financial sector and am savvy enough to realize their deceptive practices however I fear for other consumers that have less experience in this industry. This treatment is nothing short of predatory

Company response to consumer: Closed with explanation