BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-24
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AZ
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:
Im a victim of identity theft. Someone stole my identity and applied and opened a personal loan account with One Main Financial on XXXX.The personal loan account is fraudulent, unauthorized and not mine. I have mailed and sent numerous letters of disputes to One Main Financial for the last 7 months in regards to the fraudulent account, and I havent not heard back or received any correspondence from One Main Financial for 7 months. I been receiving harassing and threatening phone calls of profane language, verbal abuse, threats of legal action, wage garnishment, arrest, jail and prison for over 7 months at home and work at XXXX XXXX and after XXXX XXXX from One Main Financial debt collection call center representatives, for an account thats fraudulent, not mine, and a debt, i dont owe. One Main Financial is in violation of The Fair Debt Collection Practices Act ( FDCPA ). My social security number listed on the fraudulent account is : XXXX, Date of Birth is : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Capital one is going to be losing a decade long customer due to deceptive practices. They are unwilling to assist even during Coronavirus. 

I have a Savor Rewards card. When I signed up for this card, all of the documentation I read stated that I would have 0 % interest for 15 months .After 5 months of having the card, I discovered that I have been being charged hundreds of dollars in interest. Upon speaking with support, they told me I have a " Savor '' card and 0 % APR is only for " SavorOne ''. Savor One is the card I thought I was signing up for and the card I XXXX  the application form for. I would have never carried a high balance like this if I knew I would be being charged interest before the 15 month period was up. The cards are nearly identical and even have identical designs. 

Phone support refuses to move me to Savor One and transfer my balance to get me into the 0 % APR platform. Even though I have been a valued customer with no missed payments for over a decade and excellent credit, they refuse to budge. 

I am not asking for a lot here and am already really hurting because of the Coronavirus, but now I am literally going to be out THOUSANDS of dollars, due to interest charges that I never thought would be there. 

I don't want to close my accounts and transfer all of my balances out of here, but I am being left with no other option, For a company that says they are offering assistance during the Coronavirus, this is truly disgraceful. 

Looking for some compassion and understanding here. I am not getting it from phone support. 

Let me know what you can do. 

Thank you for your understanding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-21
Company: Experian Information Solutions Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2018 after obtaining my credit report I contacted Experian Credit Reporting Agency via phone call regarding inaccurate information on my  report. Errors such as variations and misspelling of my name, addresses that belong to family members that i have never resided with and addresses i have no association with at all. In addition to inaccurate and outdated remarks, payment statuses and history on accounts that have been included in a bankruptcy that has been discharged, i also found unauthorized inquiries. The first representative i spoke to advise me that they do not investigate inaccurate information and i needed to contact the federal trade commission. I asked to speak to someone in a higher department who than said that some of the information can be disputed but not all. After some back and forth she agreed to transfer me to a department that handles disputes and was going to take care of my concern after she places a security fraud alert on my file. I resisted and she insisted that was the only way to dispute the errors and transferred me to a representative who than informed me that a security fraud alert has been placed on my report and that i needed a police report and i can not file a dispute. I ask to speak to a manager and one wasn't available although i was willing to wait how ever long.

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 2018-12-19
Company: CITIBANK, N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I transferred money into my account to cover an ach payment to my XXXX XXXX Credit Card. On XX/XX/18 when I transferred the funds into the account the item did not show as having being presented as well as I had a credit balance of about {$9.00}. The next day I checked the account and it showed that the item was paid and that I had {$3.00} credit. The next day I checked the account and it showed that the item had been returned, a return fee had been charged to my account and items that I paid for via credit card on XX/XX/2018 was now showing as processed on XX/XX/2018 as well as other charges showing different dates. This has been an ongoing problem with Citibank as this has happened to me at least four times in the recent past. Citibank is not providing accurate information through online access in an effort to charge customers 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 2021-07-12
Company: Bread Financial Holdings, Inc.
State: GA
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:
I filed a dispute in regard to the incorrect items on my credit report it has well over 30 days and I received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: EQUIFAX, INC.
State: TN
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:
Since XX/XX/XXXX XXXX XXXX has done 4 hard inquiries on my credit and I have never applied for a loan or done any business with them ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
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:
I am a victim of identity theft

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 2018-06-22
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX charged off my second mortgage in XX/XX/XXXX and then continue to report 150 day lates in XX/XX/XXXX. From the date they charged off the account from their books they can't report lates beyond that date. I am retaining an attorney and they advised I submit a complaint to the CFPB prior to us taking legal action so they have the opportunity to correct the illegal reporting prior to litigation. See the snapshot of my credit report that I attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: JPMORGAN CHASE & CO.
State: IL
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:
In the summer of XXXX Amazon charged my credit card multiple times without my permission. At the time I had an Amazon account but I was not using it and I did not give Amazon authorization to charge my Chase Credit card. I made multiple attempts to correct the issue with Amazon but to no avail. I started reaching out to Chase about this issue in XX/XX/XXXX to dispute multiple Amazon unauthorized charges. I never heard anything back on the disputes. I reached back out to Chase in XX/XX/XXXX and XX/XX/XXXX multiple times and I was never able to get any clear resolution or understanding of what was going on with the dispute. I reached out again in XX/XX/XXXX and XX/XX/XXXX and still I was unable to get a clear resolution as to what was going on with the dispute. In XX/XX/XXXX I was unable to reach anyone at Chase, the lines were busy and the hold times were long and they kept disconnecting me after having me wait on hold for almost two hours. In XX/XX/XXXX I followed up with a Chase Branch to ask for help with the matter and I completed a complaint form over the phone that was suppose to be forwarded to the Executive Office. I heard back from someone in XX/XX/XXXX who identified themself as someone who received my complaint and they worked in the Exec Office. They provided their name, XXXX and contact number ( XXXX XXXX ) and told me they would work on the complaint and get back with me as soon as possible. ( Their work hours was XXXX XXXX XXXX XXXX ) However I never heard back from them and the extension number they provided me does not work. After not hearing back I started reaching out in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all to no avail. I am looking for someone to get back to me to ultimately resolve this issue and remove these long overdue unauthorized charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: EQUIFAX, INC.
State: AZ
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:
The following credit inquiries listed on my Equifax credit report is fraudulent, unauthorized and not mine : XXXX, XX/XX/2018, XXXX XXXX   XXXX, XX/XX/2018, and XXXX XXXX XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
After receiving and going over my credit file, it's obvious that I been a victim of identity theft and the aftermath has seriously impacted my credit file. As I begin my own investigation into the matter, I would like to demand physical certified documentation from the 3 major credit reporting agencies inwhom is reporting such frivolous accounts inwhich as effected me and my livelihood. Also I'm requesting that the credit reporting agencies share with me the Method of Verification inwhich they will take in solidifying this issue. If not please block the following accounts from my credit file immediately as stated within the consumer laws of the FCRA. These are the accounts that needs to be blocked. 

1 ) XXXX XXXX XXXX {$4600.00} 2 ) XXXX XXXX XXXX {$990.00} 3 ) XXXX XXXX XXXX {$930.00} 4 ) XXXX XXXX {$670.00} 5 ) XXXX XXXX XXXX {$560.00} 6 ) XXXX XXXX {$530.00} 7 ) XXXX   XXXX {$410.00} 8 ) XXXX XXXX XXXX XXXX {$310.00} 9 ) XXXX XXXX {$230.00} 10 ) XXXX XXXX XXXX {$210.00} 11 ) XXXX XXXX {$100.00} 12 ) XXXX XXXX  {$57.00} 13 ) XXXX XXXX XXXX {$51.00} 14 ) XXXX XXXX XXXX  15 ) XXXX XXXX XXXXXXXX

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 2018-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Im a victim of identity theft. Someone applied for and opened a auto loan account with XXXX XXXX XXXX on XX/XX/2013. I never applied for an auto loan account with XXXX XXXX XXXX. The account is fraudulent, unauthorized and not mine.

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 2020-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
There are multiple parts to my problem but I am submitting a complaint based on an over payment of bill, because I had a XXXX $ credit limit and when I swipe a card anywhere if its XXXX $ over I will get declined but when XXXX submits a charge of XXXX $ to go through its no questions asked they are open to approve me then on a payment I didnt agree to that was supposed to be around XXXX $ and I even while Im asking to pay from a different form of payment I dont understand how a XXXX $ charge can go through for that company and the credit card company just approves that, when this happened I called immediately and the credit company said dont worry I have protection but 6 months later my credit is ruined I got denied on a loan I was already approved for to start a business and Im in debt close to XXXX $ and cost me a loan that I was approved for XXXX $ on and it cost me I only had a XXXX $ credit limit. I also was not the person driving the car that was rented I should of had a XXXX $ charge but the car was taken without my permission and driven across the country, when I tried to report it stolen to the police department they would not let me since I was not the owner of the car and after the close to XXXX  $ charge posted on my credit card I was so in shock knowing I couldnt make a payment like that I didnt even think until now what was that even approved on a XXXX $ credit card. Im sure there is some reason this is aloud or why thats possible but I do not think it should be, that is way beyond my level of cash income for that time now I am even worse off but then I was not good either. This happened in XXXX around Covid also the last time I had a steady job and was the beginning of a spiral downwards of bad things happening. I would like to add that my girlfriend was the one who stole or took without my consent the vehicle, I tried to stay nice with her at first hoping she would just return it on time but she instead ruined my life. I submitted a complaint on identity theft. Org over this too but I dont want to accidentally vomit perjury and get myself into trouble also the reason I delayed on contacting anyone, the budget car rental company still has not been informed, but I would almost rather get in trouble for that then. Have my whole life destroyed any longer if there is anyone reading this with any knowledge base of resources I could possible use so that I am not stuck paying off a bill my now ex girlfriend made for the next decade please help, also if I am in the wrong area to make a complaint over a situation like this I apologize I did not know about the FTC until last week. The suspects my ex

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is in reference to a closed claim XXXX, I'm disputing the resolved claim stating that we linked a credit card opened by XXXX XXXX and XXXX XXXX XXXX XXXX for overdraft charges totaling almost XXXX, we never use a credit card to cover such charges we either use our savings or just deal with the charges at that time mentioned I'd spoken to USAA and let I was XXXX from the XXXX XXXX and would be closing my account due to needing a physical bank and wasn't happy on how we were being treated customer service wise and unfamiliar charges to our account which was pertaining to the Identity Theft which occurred by a visiting relative stealing our information back in XXXX before the 2nd identity theft occurred which I attached the information to you. My son XXXX should not be held responsible for these charges or myself, if we made the charges we would pay these but we are unaware of such charges. We changed to another bank during the time period of XXXX - XXXX so how can these charges have been implimented I've tried to access my previous account with USAA to view these claims and have no access. I won't the information sent to me via email or mail so I can review the for go charges mentioned, its sure is funny when my son ask for access to his account he was told that wouldn't be possible until he spoke to corporate office and you all send a resolution stating items on my account which was the same period he requested and was told it was to far back to pull anything up. This is really an issue as we are trying to clean up our credit so my son can purchase a home and my wife and I can enjoy our retirement with this hanging over our heads. Help would be appreciated in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied and received a mortgage with PNC in XX/XX/2017. I was told I HAD to have an escrow account with PNC. My first concern about PNC occurred when I had issues with my house insurance. I had received letters from my insurance company that the insurance payment was due. First I paid the insurance and then I contacted PNC. PNC advised me PNC would sent the payment via regular US mail. The insurance company finally received PNC 's payment. Then the insurance company sent my payment back. I am used to making electronic payments before the due date. I believe PNC should do the same. To me this issue was scary. And it really annoyed me when PNC explained there was a 1 month grace period so I had nothing to worry about. 

My new issue occurred in XXXX and it is how PNC collects my escrow. PNC overcharged me {$1100.00} in escrow and sent me a check. In my opinion, PNC had an interest free loan. Then PNC is going to increase my escrow account. So I contacted PNC and requested that they apply the check to my escrow account which will lower my escrow payment. PNC said no. 

It bothers me that I had to pay my insurance and escrow PNC 's way. PNC 's business model makes gives them an interest free loan. To me there is no incentive to be fair to the mortgagee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This is my second complaint against this company about a consumer credit transaction that I entered with them on XX/XX/2017. I informed them that they were in violation of the Truth in Lending Act which is in place to inform consumers the cost of credit. They violated law 15 USC 1605 any consumer credit transaction that includes a finance charge ( the sum of all charges ) must include insurance. They used my credit card ( 15 USC 1602 ) for my open end consumer credit plan which secured the {$32000.00} on my behalf I was responsible for the finance charge which was {$7700.00} for them extending my credit. The denied me of a right to rescission under the Truth in Lending act ( 16 USC 1635 ) which states ( in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day ). Unless this company doesn't have to abide by federal law I demand to be compensated for the illegal doings of this company. They even admitted to taking my property using a 3rd party to come to house which is infringement on my privacy. They are reporting this account to my consumer report and I am using ( 15 USC 1692c ) to cease communications directly and indirectly until I receive my specified remedy. This will be reported to the attorney general and I am seeking legal advice to take this matter to the next level if we can't come into an agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: EQUIFAX, INC.
State: SC
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:
Equifax has been non-compliant with removing the unverified account XXXX XXXX  XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX  XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation