BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: Credit Karma, LLC
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I went to purchase food for my children and quickly found out my credit karma debit card got declined. I quickly called credit karma a few minutes later and was informed that my account was locked or frozen and they were escalating the matter to their specialist team. A few days go by and I still dont hear anything from either credit karma or their specialist team. I have called them every single day with no resolution and no reason as to why my account has been blocked/frozen. On XX/XX/XXXX I received an email from them to send in documents to verify my identity and bank account information, and I did so. I sent them picture of the front and back of my government issued ID and a bank statement. They still will not release my account off hold. Credit karma has been nothing short of a nightmare. They are holding my ONLY source of unemployment income and refuse to release it. No matter how many times I call them, they tell me the same thing their going to escalate the matter to the higher team or your account is being looked into. I also tried to link a new bank account ( that belongs to my husband ) to try to get my money out of that account as I have no source of income because they wont unfreeZe my account. I cant transfer my funds out of the account, and even though I sent in proof of my bank statement, they are requesting more and more documents from my husbands account and still wont unfreeze my account. I have XXXX children That I have to feed and take care of. Im in a hardship right now and they are holding my only source of income. I have spoken to the credit karma supervisors, I have called the bank that FDIC insures credit karma money spend and save accounts, they sent an email to their superiors to see if theres anything that can be done. They only insure credit karma money spend and save accounts, so they dont have the power to unfreeze my account. Im not getting any answers as to WHY my account is frozen. I need help to resolve this ASAP. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: JPMORGAN CHASE & CO.
State: ME
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:
Chase Auto Finance, End of Lease Division, mailed me a bill for {$520.00} dated XX/XX/18 after I returned my leased vehicle to XXXX XXXX XXXX in XXXX, ME on XX/XX/18. I did not know or was expecting a bill, as the vehicle was paid in full and the car salesman at XXXX XXXX never told us to expect one. We moved from XXXX, XXXX to XXXX, XXXX on XX/XX/18, and my mail was forwarded. I did not receive the bill from Chase in the mail until XX/XX/18. The bill does not indicate a certain period of time to pay. I tried calling Chase to take care of this on Saturday morning XX/XX/18. The office was closed on the weekend, so I had to call and pay in full on Monday XX/XX/18. They had already posted a negative/delinquent remark to the credit bureau on Saturday morning XX/XX/18. After repeated calls, letters and faxes ( including from my attorney ) for them to remove this from our credit report, they have refused on several occasions. Below, please find a copy of the letter that my attorney sent to Chase to rectify this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
The following accounts are showing incorrectly across all credit reporting agencies and is violating my rights to fair credit reporting. 

The information has been showing incorrectly for the past 3+ months since my XXXX complaint/investigation. 

I placed in my XXXX complaint in XXXX XXXX XXXX  my XXXX complaint in XXXXXXXX XXXX XXXX and are in XXXX XXXX XXXX and I am facing the same issues. 

There are several areas of issues including amounts reported, account statuses, balances, open dates, closed dates and 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 2021-07-15
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have been using cash app to send and receive funds, my XXXX XXXX account is attached in order to do so. On XX/XX/2021 i was refunded 4 {$50.00} by a XXXX equalling {$200.00} cash app says the funds would be refunded back to my account and never were. Again on XX/XX/XXXX for {$75.00} from a XXXX, and again XX/XX/XXXX for {$50.00} and {$100.00} from XXXX. I am told by cash app to dispute charges with bank and bank tells me they cant dispute cash app not refunding money to my account, i have my bank records showing all of these funds coming out and not being returned as well as all communication between cash app and myself and my transactions history with cash app where it shows that money was supposed to be refunded to my XXXX XXXX account. I have talked to a manager and multiple cash app customer support agents, multiple bank representatives and the lady who refunded money and have gotten no where and no ones help. If you need further proof or bank records i am happy to forward those so well

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: SELECT PORTFOLIO SERVICING, 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:
I filed for bankruptcy in XX/XX/XXXX. It was discharged in XX/XX/XXXX. Select Portfolio is reporting delinquency in XX/XX/XXXX of more than 180 days. I have notified the mortgage company and all three credit reporting agencies and none will correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Caliber Home Loans, Inc.
State: MA
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:
Back in XX/XX/XXXX I did not receive a pay check on XX/XX/XXXX due to contractual agreement between XXXX XXXX XXXX and XXXX XXXX XXXX. Ive been employed with XXXX XXXX XXXX as a XXXX XXXX XXXX for the last eight years and never experienced this process before. This caused me to fall behind in my finances. I asked Caliber Home Loans to remove the two 30- days late mark from my Credit Report with all three agencies and they said no. 

In XX/XX/XXXX I became ill with a XXXX XXXX in my XXXX and XXXX that caused me to be out of work for over thirty days which two and half weeks I was laid up in bed. As a XXXX we only get a certain amount of Sick Days and with me being out for more than thirty days I did not have enough sick days to cover my absence causing me not to get paid for 11 days. I asked Caliber Home loans to remove the 30- days late mark from my Credit Report with all three agencies and they said no. 

As a retired XXXX Veteran and a XXXX XXXX I understand the importance of having outstanding credit and I have been practice just that. I have never been late or my mortgage or any other bills in over nine and half years. I have provided documentation for your review to consider waiving my late marks on my credit report. Lastly, I am in the process in putting my last child through college who was accepted to XXXX XXXX and the banks are giving me a hard time because of my credit score being effected by the three late marks. 



Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
hi capital one bank and office of the president ; i'm crying right now and stressed out because I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021 for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2018 I made my last payment to plain green because they were charging many fees and I found out they aren't legal to do business in my state. At that point I had paid them the amount that I borrowed. My next payment would have been due on XX/XX/2018. On XXXX XX/XX/2018 exactly 91 days after my last payment was due plain green reported the account closed and charged off to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX opened XX/XX/2016 and was charged a total is $XXXX for car insurance I didn’t applied for, but I did asked for a quote. I didn’t sign any paperwork to authorize them to charge me. I’ve called them and tried to get them to remove it, and they stated it was in collections and out of their hands.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I submitted a complaint explaining that when my loan was transferred in XX/XX/XXXX from Green Tree to Ditech, I was told that I was {$20000.00} behind on payments and Ditech refused to take my payment of {$990.00} causing me to default on my loan. Ditech responded that Green Tree Servicing LLC only changed its name to Ditech Financial LLC. They also stated that their records show that my total monthly payment amount has never been {$990.00}. I submitted a complaint with Illinois Attorney General XXXX XXXX because I needed to know why Ditech continued to take my monthly {$990.00} payment without EVER contacting me about delinquency, nor did I receive a mortgage statement reflecting a higher payment. I also asked if they would modify my loan, but they denied me despite my stable income. Ditech issued a sale date on my home in XX/XX/XXXX and has not responded to XXXX XXXX yet.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX  XXXX XXXX is reporting an account in my name as an authorized user. I have tried to call them and get my name of the account. They did not want to give me any information on the account. Please delete this item from my report

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 2021-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
XXXX.2021 I logged into my credit card account to pay my bill. I happened to notice that my account was restricted for some reason, so I called Capital One to check and see what happened. 

At that time I was told that this specific account was restricted because they needed to verify that the bank account that I pay my bill with is in fact mine. I was confused as to why only 1 out of 3 accounts was restricted, when all 3 of them are paid from the same bank account. In talking with the manager XXXX, I was informed that even though my payment account was thought to be fraudulent, they would still process payments from that account, but they just would not allow me to use my credit card. 

I have 2 big issues with this. 

1. Why would only one card be restricted while all other accounts are still open? That would still allow someone to defraud me if that was the case.

2. IF they believe an account is being paid fraudulently, is it still legal for them to take money from the fraudulent account? It has been my understanding since I was a child that knowingly accepting stolen goods was in fact a crime. So if I were illegally paying them from someone else 's account, and they suspected it, wouldn't it be illegal for them to accept that payment? Because the manager outright said they would still allow me to pay my car payment and credit cards using the bank account that they think is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Creditor's Collection Service, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I paid XXXX XXXX XXXX {$94.00}. At the time of payment, my account was in collections. However, as of XX/XX/XXXX, their collection agency, CREDITORS COLLECTION SERVICES, is still posting this as an active debt. I filed disputes with all three credit bureaus. XXXX  has already removed the notation from their credit report because I provided a copy of the receipt. This receipt is attached to the CFPB complaint. XXXX XXXX states that they notified CREDITOR COLLECTION SERVICES. Creditor Collection Services claims they have no knowledge of this communicaiton. 

If I am forced to do so, I will bring XXXX XXXX XXXX to small claims court to compel them to remove the collection notation from XXXX  and XXXX. I will sue for damages and court costs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: GREAT WESTERN BANCORP, INC.
State: ID
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:
Great Western Bank keeps reporting a past account from XX/XX/2005as accurate which it isnt. I filed a chapter XXXX bankruptcy on XX/XX/2005 and it was discharged on XX/XX/2005. Case number is XXXX which is public records. I want this removed from my XXXX  credit report or I will take legal action.

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 2021-06-01
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, I received a notification from one of the 3 major credit bureaus that a collections company known as IC Systems INC has reported a negative tradeline for the amount of {$590.00} owed to original creditor : XXXX XXXX XXXX. After researching the original creditor, I see that its a company for a pet membership. I DO NOT HAVE OR OWN ANY PETS!! The collections agency, IC Systems INC has not even tried to contact me via letter to inform me of this alleged debt. IC systems INC did not go through the appropriate procedure regarding verifying the accuracy of this debt. Why would such a debt even exist because I do not own and have never owned a pet. I am beyond confused and shocked and need this negative trade line deleted from all credit bureaus to which they report to.

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 2021-06-01
Company: DISCOVER BANK
State: PA
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:
Victim of XXXX XXXXXXXX and my report has hard credit inquiries that I never did. The only one I did do is from XXXX XXXX for my car. Closed accounts not taken off. And collection accounts that aren't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have changed my name formally in XX/XX/2019 during my XXXX process FROM : XXXX XXXX XXXX : XXXX XXXX XXXX T XXXX XXXX I have sent following documentations to make sure that all my credit cards and financial institution I am associated with are updated with my new name, however BestBuy ( Citi Bank ) has not been cooperating : 1. Passport Copy 2. Court Order Name Change 3. Citizenship Certificate 4. Social Security Card Copy Customer Service Agent Name : XXXX XXXX Senior Advisor Account Manager : XXXX ( XXXX  ) The above documentation was provided twice to BestBuy " Citi Bank '' initially they updated my name on the card to XXXX XXXX XXXX, however I called them recently to send me a new card, and they sent me again credit card with my old name. 

They are completely unprofessional and not following the laws of the land at all and misinterpreting my identity to all the Credit Bureau s thus creating confusions with my actual name.

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 2020-11-13
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2020 I have received a debit card from U.S. bank reliacard. I believe that my personal information was use by another person to apply for unemployment or unemployment insurance program from the state of Ohio.

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 2018-06-14
Company: EQUIFAX, INC.
State: NC
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 first contacted Equifax and XXXX in XX/XX/XXXX to let them know there were accounts on my credit report being reported by XXXX that did not belong to me. I asked Equifax and XXXX to validate the information with XXXX and provide me with any documentation connected with the accounts. Equifax and XXXX  did not validate the alleged accounts which are showing on my credit report. Equifax and XXXX repeatedly claimed that they verified that 11 Student Loan accounts in the amounts of {$29000.00} ; {$21000.00} ; {$6200.00} ; {$4000.00} ; {$21000.00} ; {$16000.00} ; {$16000.00} ; {$12000.00} ; {$10000.00} ; {$13000.00} ; {$15000.00} were opened under my social security number in XX/XX/XXXX and that the first delinquency of these accounts took place in XX/XX/XXXX. There are a few issues wrong here and very concerning. First, ALL OF THESE accounts were allegedly opened in XX/XX/XXXX. I did not attend school in XX/XX/XXXX ; Second, the first delinquency of all of these accounts took place in XX/XX/XXXX, which is BEFORE the date I supposedly opened these accounts. AND finally, all of these accounts are showing as paid but yet open accounts on my credit report. I have requested that Equifax and XXXX provide me with signed documents bearing my signature, showing that I had a binding contract with XXXX for the 11 Student Loan accounts they are reporting on my credit report. I also requested that Equifax and XXXX delete the XXXX line items from my credit report. Equifax has not fulfilled this request but instead lowered my score by 18 points for these alleged accounts, XXXX  also has not fulfilled this request. Equifax and XXXX  unwillingness to actually validate this information with XXXX is damaging my credit. My next course of action will be to file civil lawsuits against Equifax, XXXX and XXXX.

Company response to consumer: Closed with explanation