BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Third fifth bank took over my mortgage. After a few months they decided I needed more insurance. I sent them my insurance paperwork and they proceeded to charge my {$1000.00} more a month for their insurance. I have never received an insurance policy from them. Several emails faxes scans and regular mail to this bank and no response. This has been going on for over 8 months. I personally went to the bank and it was acknowledged that they have been receiving the paperwork. Still no insurance policy or refund today I received a letter stating that the insurance policy was expiring and they are renewing it without my permission again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX and I do not have a contract with CREDENCE RM plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$780.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Back in XX/XX/XXXX or XX/XX/XXXX, I contact XXXX XXXX per a late payment reporting on account. I was confused because I knew I had auto draft on my account so there was no way for me to have a late payment status. I called the company and at first two agency could not find the late payment status. After research it was discover that because I have two accounts with the company ( store credit card and a mastercard ), one account was not on auto draft. I was very upset at this point because I was in the middle of closing on a new home. My loan officer told me not to pay off the card balance due to me being in the process of closing on the home. Once I received this remark and spoke with a supervisor I told them that it had to be a big mistake and I was willing to make the payment in full so I can have this removed from my account. The supervisor stated okay, no problem fax over a dispute letter, notes will be in the system and I should be fine. Being told to write this dispute letter for removal of the negative remark, I told the supervisor okay as long as the remark will be removed. The payment was made and I faxed over the dispute letter with detailed information. I receive an alert from XXXX XXXX that the account was removed and than place back on my credit report. After about 5 days the credit report was updated to the status of paid in full but the negative remark was not removed. My loan officer stated because of this action I was not able to close on my home. This was embrassing, hurtful, and I gave up on trying to get a new home. At this time I am trying to get a new home because my current home has been affected by hurricane harvey and I need to move. I am asking anyone to help me have this negative remark removed from my account if possible. I hate that I had to file a complaint but I do n't have a clue on any other way to get XXXX XXXX attention. My account is still open and I have not used it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased an item from Zales department store that had a 12 month no interest promotion. I received my XX/XX/XXXX statement stating in bald red print in second paragraph saying : " WARNING : Promotional Plan ( XXXX ) ENDING SOON! 
You must pay the BALANCE {$340.00} IF YOUR PLAN 12 MNTH XXXX INT LOW PMT IN FULL BY XX/XX/XXXX TO AVOID PAYING ACCRUED INTEREST CHARES '' ON XX/XX/XXXX i MADE A PAYMENT FOR {$340.00} THEN ON XX/XX/XXXX i WAS CHARGED XXXX INTEREST CHARGE THEN ON XX/XX/XXXX CHARGED {$9.00} AND XXXX ON XX/XX/XXXX ON XX/XX/XXXX i SPOKE WITH XXXX ID # XXXX AND HE CONNECTED ME WITH SUPERVISOR XXXX ID # XXXX WHICH SAID SHE WOULD FILE A DISPUTE THAT WILL BE MAILED OR COULD TAKE UP TO 90 DAY. 

XXXX I CALLED TO FOLLOW UP AND SPOKE WITH XXXX THAT XXXX ME TO XXXX ID # XXXX THAT WAS TELLING ABOUT A LATE FEE THAT'S IN THE UPPER RIGHT HAND CORNER STATE A XXXX FEE IF PAYMENT IS LATE AND MUST PAY THE MONTHLY PAYMENT THAT'S DUE ON XX/XX/XXXX OR ALL INTEREST WILL BE ADDED. THIS WASN'T CLEARLY STATED WHILE EXPLAIN WHAT'S DUE TO AVOID INTEREST.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021. The following day I submitted the forms to have my student loans discharged. The student loans were discharged, but none of my credit reports were accurate. I filed disputes for all of the student loans shown on XXXX, Transunion and XXXX 's reports. XXXX shows completed, however the past due dates are still present on the credit report. Transunion and XXXX have more than 24 student loans listed for me, but most of them appear to be the same loans that were at some point transferred to another servicer. We are about to purchase a new home and accurate credit reports are vital to our family. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of Identity theft. Criminals had all my personal info. through XXXX data breach and on XX/XX/XXXX Criminals swapped my cell phone number to their devices and start frauds under my name. XXXX XXXXXXXX credit card was opened XXXX XXXX, XXXX under my info. and I called XXXX XXXX on XXXX XXXX when I realized the situation after I had my police report on XX/XX/XXXX. The XXXX XXXXXXXX agents told me nothing to worry since they already cancel the fraudulent card. And I confirmed with them repeatedly anyway, every time they assure me that the card has been cancelled and I have nothing to worry. After 1 month or so, I noticed there was a significant balance on my credit report with a XXXX XXXXXXXX credit card. And I start disputing with XXXX XXXX. I submitted documents and police reports to different supervisors since I have to call them over XXXX times about the issue, and every time the different supervisors gave me different requirements. I tried my best to follow and wish they will take care of this issue carefully since I am the victim and it is so obvious. All my other financial frauds with other banks/credit cards have been solved without any problem. But, XXXX XXXX insist I should responsible for the fraud and won't tell me the reason. It has been a very unpleasant experience with XXXX XXXX. It is the first credit card issuer I called to warn the identity stolen and I was assured by their agents, but it turned out XXXX XXXX never take care of it and put all the responsibility on the victim without any reason. 

And I started disputing this fraud on XXXX file number XXXX Data issued XX/XX/XXXX and Experian Report # XXXX on XXXX XXXX with all the supporting documents, but the XXXX/experian did not work this out, they insist XXXX can't remove it since XXXX XXXX doesn't remove it. All the experience is bad and XXXX/experian supposed to be a third party not work for XXXX XXXX, they should have their own investigation and contact me whatever needed to support my case. 

I am the victim and I have all the supportive documents. 

CFPB is the last step I can take to protect my rights, I am the victim and I believe there is justice, one should not responsible for something not done by him. And XXXX credit report significantly hurt my credit score and my financial life, I am looking for law help to protect my own right. And XXXX need to correct the credit report immediately.

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 2023-05-08
Company: EQUIFAX, INC.
State: MO
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX  XXXX Balance : {$380.00} XXXX  XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2019 I refinanced my home with LoanDepot. They transferred my load to Rushmore Load Management Services Inc. After doing so LoanDepot withdrew the XXXX Payment from my bank. XXXX said they sent this payment to Rushmore. Now Rushmore says they have no record of payment. I am being charged a late payment every month that I do not owe as well as the missing payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: JP RECOVERY SERVICES, 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:
Since the summer of XXXX. I have been trying to removed a medical billing account from all three credit reporting agencies. My overall credit rating has taken a toll on my credit scores. I'm being charge high interest rates on every big items that I purchase, even a brand new automobile that I purchased almost a month ago. On XXXX XXXX, XXXX, I begin to paid on the medical bill account. J.P. Recovery Services, XXXX. XXXX XXXX, XXXX XXXX, Ohio XXXX. The Account Number is # XXXX. I was paying them by my personnel checking account with the XXXX XXXX. I wrote my last check to pay them off on XX/XX/XXXX. I have many pages of bank statements as proof of final payments. J.P. Recovery refuse to confirm, my payments, so I went to the XXXX of XXXX, Ohio to help me with that issue and they did. J.P. Recovery refuse to let the Credit bureaus know that my account was no longer outstanding. It was paid in full. I contact all three Credit bureaus of this transaction, but it fell on deaf ears. I need help to fix this issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Deinde Online Services, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was approved for a loan of {$2200.00} on XX/XX/23. I connected the application to my bank account ( by using MY bank log in info ). I received an email from Integra later that night stating that the funds had been sent to my bank. Saturday XX/XX/23 I still had not received the funds and contacted integra customer support. The support agent asked me to verify my information starting with my account number. She told me the numbers I was reading off were completely incorrect and that she would need to send to have the funds returned by the bank and I would have to provide a bank statement. I attempted to tell her that I was sure the account connected to my accounts because amounts in the accounts and everything were the same. It was also determined during that call that I had unknowingly applied using my maiden name. Im guessing this occurred due to me applying through XXXX XXXX which I had no clue had not updated my married name in the ten years I was married. On XXXX XXXX you have to update this manually I learned! Monday XX/XX/23 I spoke with integra again and since they had not received the funds I contacted my bank via their app messaging feature. It was determined by a bank representative that the money was being sent back due to my last name not matching my account. The account number was correct. I received a couple of emails from integra the next morning and thought I would just need to provide my bank statement and drivers license. The only info that was different on the new application was my last name. They even had my social security number. Easily could have been verified that I was in fact who I was saying I was. Called customer service to reapply XX/XX/23. SECOND application was denied! But they ran my credit again! I want either the inquiries removed or my loan since this loan was for emergency car repairs and to pay off an old loan that I thought my ex spouse had taken care of. I didnt read the complaints on XXXX  just looked at the rating, lesson learned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: CITIBANK, N.A.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I was supposed to receive a pre-paid credit/debit card for {$2000.00} for a rebate on the purchase of new appliances through XXXX XXXX. My rebate email status told me a card was to be mailed in XX/XX/XXXX and received sometime in XX/XX/XXXX. XXXX XXXX XXXX, then sent the prepaid card to an address that was not listed on my rebate in any fashion, to a residence that I did not live. In late XX/XX/XXXX or early XX/XX/XXXX, I called XXXX XXXX XXXX to inquire about the status of my card, as I had not received it. The customer service rep indicated they could send a check, but it would take 2 weeks. I have now waited for 6 weeks, with 3 follow up phone calls and a {$2000.00} card or check has not been received. On XXXX XXXX, I asked that the company send the funds directly to my bank via ACH or XXXX, they declined and wanted to take another approach. The customer service Manager said she could issue a stop payment on the check ( a 3-5 business day process ) then issued a new check with and send via certified mail ( 4-7 business days ). 

In short, I am fully entitled to a rebate of {$2000.00}, but XXXX XXXX XXXX has been unwilling to work with me on a timely solution.

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 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Thank you for taking the time to review the complaint. After reviewing the XXXX  Credit report XXXX continues to furnish negative reporting on credit profile. My paychecks were garnished multiple times and the garnishments cease. Never changed jobs nor changed addresses. This illegal continues to deplete my credit along with creditworthiness. Made several attempts to dispute through credit bureaus with the 623 methods of verification according to FCRA. The reason for complaint, requesting validation of signature and how investigation occurred.

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 2020-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened this high yield money market account because they had some great rates. I never had a problem accessing the account online until I was married in XX/XX/2013. It took about two years for them to actually process paperwork to change my name on the account. When that was finally accomplished, I could no longer sign on to online banking. 
I have called, faxed and e-mailed identifying and supporting documents so many times I can't even begin to estimate how many. Now, I have an account that I opened online ; I can't access the funds ; and Capital One will not allow me to close - without coming into a branch office. The nearest branch office to me is about a nine ( 9 ) hour drive away. 
I've spoken to supervisors who promised to call back the next day, but I never get any calls back. I've tried the forgotten password options, even with them walking me through the process. They promise to check into the issue further and call me back, but they never call back. 
I have worked in XXXX for 24 years, and I have never seen such incompetence. Again, I can't sign in to online banking to view my account, make transactions, get a statement, or for anything else. They will not even let me close the account by sending documents - I have faxed a marriage license, a drivers ' license, a concealed handgun carry license, and my social security card. I have offered to send whatever they want. 
Over the last five years, I have changed jobs and moved. I can't even change my address with Capital One Bank. I also had an automatic transfer set up to pull from my old bank into this Capital One account. I can't sign in to stop the transfer ; and I have to drive an hour to put money in that account, just so Capital One Bank can continue to draw it out.

Capital One Bank is holding my money with no right to do so.

I am tired of fighting with them to get my money. I have threatened to lodge a complaint for five years - I'm finally at the end of my rope with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 explanation
Consumer complaint received 2017-11-08
Company: AMERICAN EXPRESS COMPANY
State: OH
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:
I booked a hotel with American Express Travel this past XXXX ( 2017 ) and used my American Express card to pay for the hotel fees. However, American Express Travel did not fulfill their contract with me and subsequently, I disputed the transaction with American Express so I could receive a refund. Although American Express should be unbiased and evaluate my dispute objectively, since American Express Travel is part of their company, they are not evaluating the transaction objectively. I know this because they literally told me. And they even told me that they could put me online with Amex travel. 
I can go into the exact details of how XXXX Travel did not meet their contract if it necessary but much of that information and associated documents are already in American Express 's hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My name is XXXX XXXX. I recently was checking my credit report and discovered the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXT XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX. These addresses are incorrect.

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 2023-09-26
Company: FISERV INC.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX  I received notice from my bank via text that someone was trying to change the password to access my account. I logged into my account to see that funds had been moved from my credit card ( linked to my checking account ). I contacted my bank who guided me to change my passwords to my accounts and to visit XXXX XXXX to have my device scanned for any malware. All actions were complete. 

On Monday, XX/XX/XXXX three withdrawals had been made from my checking account with the transaction title being : " AUTOMATIC WITHDRAWL, XXXX XXXX XXXX XXXX ( XXXX ) '' the charges were : {$1000.00}, {$1000.00}, & {$510.00}. 

That day I went to my bank. It was discovered to be fraudulent charges. I closed that account and opened a new one. The charges were reversed by my Credit Union. 

Three letters Received Dated XX/XX/2023 from TRS recovery services ( sm ). 
Letter XXXX : Reference Number XXXX for a balance of {$1000.00} Letter XXXX : Reference Number XXXX for a balance of {$510.00} Letter XXXX : Reference Number XXXX for a balance of {$1000.00} Phone calls received XX/XX/XXXX & XX/XX/XXXX seeking collection. 

I notified my Credit Union of these notifications seeking guidance. They told me not to engage with the collection agency, TRS, and to report this as fraud.

Company response to consumer: Closed with explanation