BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
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:
DEAR CAPITAL ONE ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX ) ; I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; & XXXX & XX/XX/XXXX. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, being hospitalized with XXXX  loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$0.00}, {$2100.00}, {$6600.00}, {$0.00}, {$8700.00}, {$9500.00}, {$63.00}, {$520.00}, {$360.00}, {$2300.00}, {$7200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 


-- AUTO ACCOUNTS 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

7. XXXX XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$63.00} -This is not my account. 

9XXXX XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520.00} -This is not my account. 

10. XXXX  XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

12. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: ALLIANT CREDIT UNION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Alliant credit union courtesy pay service is not EQUAL to all members due to XXXX bank employees intentionally causing harm and discriminatory practices against some members like me. Their policy is not applied to all equally. I elected program because bank offered and every time I paid negative balance including fees. Suddenly alliant credit union management stated you are not eligible for courtesy pay until XX/XX/23 which is unlawful and outrageous including discriminatory because they didnt punish other bank members, bank shields some members while they intentionally discriminate against me. I did nothing wrong, bank courtesy pay policy is misleading, defraud to members & false promises. Bank accused me of violations of their policy but the fact of the matter is bank actually violated the same policy. All I am asking is that bank must be investigated and its policies and those policies applied equally to each person that has active accounts. I am damaged because I believed my transactions were being paid but I learned they were denied so how is it legal for bank to claim false and misleading promises, its beyond outrageous and unfair including potentially federal laws being violated by the bank. They ruined my life

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: LA
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 started disputing inaccurate info on my credit report an I ask credit bureaus to delete any inaccurate info on my report an it was not legally deleted instead after each dispute my reports came back as verified and accurate. I want to know how could the be when the accounts I am referring to are charged off accounts that is reporting a balance, that a clear violation of the FCRA. I also sent an FTC report to prove the account wasn't mine an yet the XXXX bureaus still state that the account are accurate but still reporting inaccurate info to my reports. 


Company or Organization : XXXX XXXX Account Number : XXXX amount- {$270.00} Company or Organization : XXXX XXXX Account Number : XXXX amount- {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: NJ LENDERS CORP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I bought my house XX/XX/XXXX with a {$150000.00} XXXX XXXX XXXX XXXX  ( XXXX ) mortgage. I refinanced for {$130000.00} with NJ Lenders on XX/XX/XXXX. The cancellation of the XXXX mortgage is invalid and NJ Lenders secretly closed the " refinancing '' with NON-MONETARY RELIEF and never paid a penny. The HUD statement on line 104 shows " XXXX XXXX XXXX '' NJ Lenders never paid a penny to pay off the mortgage. The XXXX XXXX XXXX XXXX shows the consideration for both mortgages as XXXX I am unable to sell the house and have dumped hundreds of thousands worth of improvements and can't even get a HELOC NJ Lenders should know better and the original purchase closing attorney is now XXXX Municipal Court Judge XXXX XXXX XXXX Please take a look at the attachments. The proof is on the XXXX XXXX XXXX XXXX and I have additional proof such as cancelled checks and other documents that I want to get to court but I am having a very tough time because XXXX is a Judge. This is very unfair. I have over {$300000.00} in equity and I couldn't borrow in XXXX when I had a 800+ credit score and over {$300000.00} in equity. If the mortgages were legal I wouldn't have damaged my credit and face foreclosure I would be just like many other people who borrow against their equity. I have also sorts of financial problems because someone broke the law. I fixed up the house and dumped a lot of money into and can't touch the money that's very unfair. My settlement for medical malpractice is scheduled in two months and wanted to pay the house off in full but I still won't be able to sell it. Take a look at the attachment and see for yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: LendingPoint Holdings LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Lending Point LLC accessed my XXXX consumer report without my authorization. I never gave this company authorization to acces either reports. I also sent a notice to dispute for unauthorized credit inquiries through mail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Went to Toyota in XXXX XXXX XXXX, FL on XX/XX/XXXX and was trading in my lease to purchase a Toyota XXXX XXXX. Dealership failed to notify me of interest rate prior to signing documents of the loan term, did not disclose full loan amount and pressured me into purchasing warranty I did not really want. I had fraudulent accounts on my credit report and did not know at the time, which results in my outrageous interest rates. When signing documents at the end, When asked the interests rate the employee said he will tell me at the end. He scrolled through paperwork quickly and had me initial only. Did not allow me to read what I was signing even though I had asked to. Told me he will go over it after I sign it. Sales associate states that the vehicle price was totaling below the sticker price and after signing onto my SETF account I see the cost is much higher than sticker price.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/19, XXXX, company is giving me the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Midwest Recovery Systems
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: Information belongs to someone else

Complaint:
On XXXX XXXX XXXX I received an alert on my credit report that a company by the name of XXXX aka : Midwest Recovery stating that they had placed a loan amount of approximately {$2500.00}??!!! first of all I have never heard of either company or have taken any personal loans out for such amount. I contacted XXXX Credit Bureau since they are the ones that alerted me and it was reported to them and they agreed that there was never an inquiry made by me requesting a loan from either one of the above stated companies because when someone requests a loan on line or other there is always an inquiry. I have placed a fraud alert on my report due to this ironeous error on my credit report and have placed an investigation. This so called XXXX company is out of the country and I know alot of these companies commit fraud towards peoples credit reports thinking that someone would be so XXXX and send anyone any money that you have never requested money from. I want this company investigated and this removed off my credit report immediately! This is definetly a fraudulent matter towards me and my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-05-09
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I just found out that I have been enrolled ( without my knowledge ) in a Balance Protector program since 2009 as part of my Best Buy Citi Card.  They have been charging me monthly despite the fact that I have never authorized nor have I enrolled in the program. I learned through just a bit of research that they have been ordered to refund these amounts, yet I was never notified of this or offered a refund in any way. In addition, I tried to receive a refund from Best Buy, but they told me I had to go through Balance Protector Processing Center directly. They were also unhelpful. These charges are predatory and deceptive, and I am requesting any help from the Consumer Financial Protection Bureau available at this time. 

The companies involved are Citibank, Best Buy, and Balance Protector Processing Center.

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 2023-02-13
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: Account information incorrect

Complaint:
So ive been fighting a fraud case with XXXX XXXX for more than 4 months now, back in XXXX someone had hacked into my laptop giving me a virus and hacking into my credit cards saved on to the device. That hacker took multiple cards and charged thousands of dollars to the merchant in the name of XXXX XXXX XXXX. All financial creditors have resolved these fraud charges except XXXX XXXX. What makes this case more of a headache is that i have XXXX XXXX cards that were charged with the same amount from the same merchant ( XXXX XXXX XXXX XXXX XXXX ). The charges on the XXXX was resolved within days of the case being open but the XXXX card is going on 4 months with no response. XXXX has also decided to post these FRAUD charges to the credit bureaus and caused my score to drop more than XXXX points and has put me in a tough financial position. This is not fair and ive been contacting XXXX every week for an update but they have refuse to give me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 are multiple inquiries from a financial institution that are fraud on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: Mid-Atlantic Finance Co., Inc.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company repossessed my car with informing me of the repossession after paying over {$2000.00} in payments! I never received notice about the repossession and kept contact in the coming days with multiple people at the company regarding my account with emails to provide!!! they screwed up with containing the wrong information in varies departments! After being transferred to the company via my original furnisher without consent Ive asked for the original documents which were not given, theyve maliciously reported incorrect payment amounts as well as incorrect payments rendered monthly which increased the debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Resurgent Capital Services L.P.
State: MD
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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidential reality under 15 USC 1681. 

LVNV FUNDING LLC : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make
any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer, to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was in the process of refinancing my mortgage with my current mortgage holder, Freedom Mortgage Company. My wife is in the United States on an XXXX XXXX. Freedom Mortgage Company has a discriminatory policy against non-US citizens and will not refinance my mortgage to a cheaper interest rate because my wife 's Visa expires within 3 years. The XXXX Visa is a three year term and almost all Visa 's are for 3 year terms. We currently have our mortgage with Freedom Mortgage Company, never missed a payment and currently make more money and less debt than we did three years ago when we purchased the home. At the time of the home purchase my wife 's Visa was set to expire in 2 years, therefore we did not meet the discriminatory 3 year requirement at that time.

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 2023-03-14
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a savings account with Marcus by Goldman Sachs to hold funds to be used for the down payment of a house. I funded approximately 40 % of the account from a domestic ACH from XXXX XXXX XXXX  XXXX. and 60 % from XXXX  XXXX XXXX. I instituted a domestic wire transfer of approximately 25 % of the total funds bank to the XXXX XXXX XXXX XXXX. account used for funding. To be clear, the amount wired back to XXXX was less than the amount originally sent to Marcus. 

This domestic wire was initiated at XXXX EST / XXXX CST. When I called to initiate the wire transfer, the agent informed me that wires are concluded by XXXX EST the same day. When this timeframe came and went without funds transfer, I called again and was informed that sometimes, wires can be instead processed at XXXX EST. Once again, that timeframe came and went without Marcus wiring my money to my external institution. The third agent I called told me that it would likely process overnight. You can likely guess what happened next! The wire did not process yet again and Marcus continues to retain my funds against my wishes and will do nothing to process this wire transfer in an expeditions manner. It frankly reeks of false advertising to claim to offer free domestic wires but those wires in reality are remarkably time consuming in a way that does not comport with industry norms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-11-05
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a time barred debt and is beyond the statute. This company refuses to remove it from my credit bureaus but it is now over 6 years old and was opened in XXXX. I gave evidence of same and they continue to state it was opened in XXXX which is incorrect. It needs to be removed from my credit bureaus and they need to cease collection activity as I am unemployed due to no fault of my own. I also have a XXXX.

Company response to consumer: Closed with explanation