BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-22
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:
I had two collections account that was added to my credit report. These two account has already been resolved. The account includes XXXX XXXX and XXXX and XXXX XXXX XXXX with the amount of {$910.00} and {$610.00} respectively. 

I also have two account credit card enquiry by capital one in which on two occasions they were both approved without my consent in the space of 6 months, one happened in XX/XX/XXXX and XX/XX/XXXX There is also XXXX XXXX XXXX on XX/XX/XXXX which I had no idea of the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am making payments on my student loan to Fedloan towards Public Service Loan Forgiveness. This is a program in which your debt can be forgiven if you make 120 on-time monthly payments while working for a non-profit. Annually I file a certification form certifying my payments as qualifying towards forgiveness. 

During my last certification in XX/XX/XXXX I was informed that the payments I made of {$200.00} in XXXX, XXXX and XXXX of XXXX were not counted towards PSLF. This is a mistake as I made the payments on time and have been employed at the same non-profit where I work now for over 3 years. I called Fedloan and brought this to their attention in XX/XX/XXXX after I reviewed their records and discovered their error. I have not heard back from them in the 6 months since then. I called them about this today and was told it has not yet been reviewed and they could not give me a timeline of when it will be reviewed. In XX/XX/XXXX I also requested a list of the dates of all payments currently being counted towards PSLF and have not yet been provided this list. 

I had a similar terrible situation previously with Fedloan where payments were not counted in error. This was eventually resolved, but it took over a year. I called and emailed Fedloan over 20 times during that year and I could never get them to review their error. They only finally resolved the matter after I asked my congressman to contact them. I am very confident Fedloan has no intention of reviewing the errors on my account ever unless they are forced to by the CFPB. 

Fedloan is absolutely the worst company I have ever had to deal with. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was given a cashers check from XXXX XXXX i signed the XXXX over to my daughter she deposited at her bank key bank they cashed the check 3 days after we deposited XXXX XXXX told us they no thier was no fraud in this deposit but still will not release the funds XXXX XXXX would write me a new check but they can not because they have already cashed it what can i do

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I haven't been able to find my debit card, my cell phone or my wallet since my house warming party on the XX/XX/18. Back on XX/XX/18 I deposited {$400.00} into my account before the party and I haven't been able to find the card since then.

I think someone at the party took it because they knew the pin, which is both the password to my phone and my gate code.

I have several charges to my card that I did not make : - XX/XX/2018 for -XXXX XXXX XXXX PURCHASE XXXX FL - XX/XX/2018 for -XXXX   XXXX XXXX PURCHASE XXXX FL - XX/XX/2018 for -XXXX XXXX XXXX XXXX   PURCHASE XXXX FL - XX/XX/2018 for -XXXX XXXX WITHDRWL XXXX XXXX XXXX XXXX FL - XX/XX/2018 for -XXXX XXXX WITHDRWL XXXX XXXX FL - XX/XX/2018 for -XXXX XXXX   WITHDRWL XXXX XXXX XXXX XXXX FL I have called my bank several times but they have me on hold for hours and I never get to speak to anyone its crazy!

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 2019-08-15
Company: SYNCHRONY FINANCIAL
State: MD
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 - SAMS club has been addressed multiple times this regard. Since the last negative reporting is over 5 years, they were asked to remove negative items from the credit reports. It has been over 30 days and nothing has been done by the creditors or the SAMS. The last negative item was provided to the reporting agency in XX/XX/XXXX. Yet, all fails to remove this from my report. Also, proof of the negative items were requested by XXXX XXXX, 30 days late and XXXX 60 days late was never provided. All the creditors take thier word and NEVER ask for proof nor have provided me any. Since this was an old report I had asked multiple times, to include XX/XX/XXXX, to get the negative items or SAMs as a whole removed from my credit history. SAMS was paid in full and I had them close the account. Why is date of status at XXXX???? in the XXXX  report? This can cause XXXX employment issues and credit issues. The negative is more than 5 years old. This needs to be removed. By law, they can remove it and chose to leave it there. Reporting is optional, but not by law. This can be removed at any time. I asked SAM to be reasonable to remove them totally from all reports or at least these two things. I receive a electronic computer generated report that they are right, no proof or reasoning. NO further repeat investigation will be done. This go for the creditor and SAMS. I am trying to fix my report to work. Lack of cooperation and abuse continues. They, at this point, are required t prove what thy are reporting. 

SYNCB is the crediting bank.

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 2020-11-18
Company: Credit Karma, LLC
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: Confusing or misleading advertising about the credit card

Complaint:
XXXX XXXX system must be experiencing a bug or glitch, as they are offering conflicting assessments of approval odds for the same product. As you can see in the " XXXX '' screenshot attached, CreditKarma indicates there are five different thresholds/tiers for approval odds : 1 ) Excellent, 2 ) Very Good, 3 ) Good, 4 ) Fair, and 5 ) Poor. As you can see in the " XXXX '' screenshot attached, on the left hand-side of the product being recommended to me, there is a vertical bar chart with five squares that are clearly meant to correspond with the 5 different approval odd tiers. If three squares are filled in, the consumer has a " Good '' chance of being approved, if five then " Excellent '', and so on. As you can see in the screenshot, four of the five squares are filled in, indicating " Very Good '' approval odds. However, immediately adjacent to the four filled in squares I'm being told my approval odds are somehow better than " Very Good '', they're actually " Excellent ''. It's unclear which of the two assessment is the truthful one. Obviously, it be more concerning if the " Very Good '' one was the reliable assessment since customers with non-Excellent odds are being told they have Excellent odds at being approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible.

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 2020-05-18
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I have been trying to fix a problem with my Equifax. XXXX XXXX  XXXX account for over a year. I now have 2 accounts. 1. '' XXXX XXXX  XXXX '' and 2. " my Equifax ''. Both of the accounts I am unable to access online and when talking with customer service I have been given the runaround at least 6 different times. Every time I speak with them they tell me it will be resolved, and each time I try to access the account I get an error message to call in. Each time I spend at least 1.5 hours on the phone with them and still nothing is resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: EOS Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: STERLING JEWELERS, INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received a call at my employer on XX/XX/2021 in the afternoon from a person named XXXX from XXXX XXXX. He stated I owed {$480.00} to sterling jewkers. I told him I could not receive these types of calls at work. He asked me if I was refusing to pay my bills. I told him that this was not an appropriate call for work. He then stated he could call my HR department about this matter. I feel my rights were violated with that threat. I fear he will continue to harness me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, INC.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Synchrony/Amazon  Credit Card XXXX XXXX On XX/XX/2021 I received a refund from Amazon.com website for a Heat Press I returned to them, But BEFORE the refund from the website I paid my Amazon Store Card to a ZERO balance on XX/XX/2021. On XX/XX/2021 Amazon Store Card sent me a refund check in the amount of {$420.00} then as of XXXX AFTER issuing me a refund check they said my balance I owe was {$420.00} which is FALSE I have documentation to back this up. I do NOT owe anything as this was a refund from Amazon website. I want this resolved, I have called Synchrony/Amazon credit card company at least 10 times regarding this since XX/XX/2021 with NO LUCK or RESOLVE. 

Because of what Synchrony Bank/Amazon has erroneously done/charged to my CLOSED account it has lowered my credit score by XXXX pts, I was at almost XXXX  pts. and now because of this I'm at XXXX pts.

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 2021-03-27
Company: Square Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/20, I inadvertently sent {$600.00} to XXXX XXXX via Cash App. Immediately upon realizing what happened, I contacted Cash App to inform them of this error and to request a refund. I was told by the representative on XX/XX/20 that Cash App is unable to cancel or refund payments once sent to the recipient, but was informed I could request my funds back by submitting a refund request. Upon performing this action, XXXX XXXX denied my refund request ( document attached ). 

As a company, Cash App should have safeguards in place for those who make errors using its system. In addition, I was told " goods and services '' were received in full. However, this is also incorrect - no proof was sent by Cash App to support this erroneous claim ( document attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I was looking at my credit reports and noticed inaccuracies that Bank of America was reporting to the credit bureaus. 

Bank of America is reporting to XXXX  and XXXX  that I was 30 days late in XX/XX/XXXX and XX/XX/XXXX Bank of America sent me a letter on XX/XX/XXXX stating that the account is reporting accurately. I find that hard to believe since the info Bank of America reports to XXXX  is not the same as they report to XXXX and XXXX. With that being said I do believe that is a violation of the Fair Credit Reporting Act.

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 2019-04-17
Company: QUALITY ACCEPTANCE LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On Friday XX/XX/2019 XXXX spoke to XXXX about doing a deferment on the XXXX XXXX XXXX financed with Quality Acceptance. He agreed to provide the deferment with XXXX on the phone. On Monday XX/XX/XXXX we still had not received the deferment by email so XXXX called XXXX. Tuesday at XXXXXXXX XXXX we finally got the deferment paperwork from Quality acceptance in emails between XXXX and I but at around 5-6 am on Wednesday, XX/XX/2019 they decided to repossess out vehicle anyway after agreeing to the deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are inaccurate debts on my credit report which is hindering my choice of getting housing for my XXXX  and I. I have disputed these inaccuracies for three years, and the credit collections have yet to send me the original contract bearing my signature and what method is being used to verify these false debts. These credit collection companies are not adhering to The Fair Credit Reporting Act. It's been three years that I've been requesting the validity of these debts belonging to me, and they can't verify anything. I DO NOT WISH FOR ANY INFORMATION TO BE VERIFIED VIA E-OSCAR!!! Please speak to real people so that I can get real results!!! These inaccurate reportings are hindering me being a mother and providing housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX I purchased a sagebrush classic casual jacket ( small ) for {$79.00} ( plus tax & shipping ) via XXXX XXXX online. 

I returned it tracking # : XXXX. Delivery was confirmed on XX/XX/XXXX @ XXXX XXXX. to XXXX, KY, US. I have tried to confirm the credit which has not appeared on my account as of XX/XX/XXXX. Each time I made an inquiry online, I gave them a copy of the tracking receipt. A few days later I would receive a letter that I needed to be patient because it can take up to 90 days to resolve. Inquiries were made : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

I called again today, XX/XX/XXXX ( over 90 days ) and was told there is no credit for the return and they filed ANOTHER dispute and informed me it will be another 30 days to resolve the dispute. Irate, I asked for a supervisor and was transferred to XXXX. 

The charge was made through XXXX XXXX but they use Comenity Bank to manage their accounts. Today I've talked with numerous people & keep getting a run-around in a call that took over 1 hr 23 minutes. After wading through a call-director system, one rep sent me back through the system so i could 'talk with XXXX ' since they have all the information. However, I ended right back with Comenity because Comenity handles their credit card charges. 

This is absurd and there's no accountability. FINALLY, today after 1 hr 23 minute phone call, the STORE gave me a credit for {$85.00}. ( The call director system sends callers to Comenity re account issues. If Comenity can not assist customers, the automated system needs to send callers to the STORE that can issue credits. What a zoo. This experience has made me reluctant to EVER buy from XXXX XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Home Loan Center, Inc.
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: Reporting company used your report improperly

Complaint:
I was searching my offers for refinancing my auto loan through Lendigntree, and many offers came out, but I wasn't interested in any of them, 5 minutes later I received a email from credit karma telling me that a new hard inquiry was just added to my TransUnion credit report, and after that I received an email from XXXX saying " We have completed processing your loan application. Come back to our website '', I don't know who is this company and why they are doing a loan process without my permission, I wrote them but I still don't have an answer from them, so I don't want a hard inquiry if didn't do my consent, that will affect my credit score, the name who is shown in credit karma is XXXX  XXXX, I already call them and they told me that they work with XXXX XXXX, so I called lendingtree to resolve this and they told me that they can give permission to do a load application because is in the disclosure that I accepted when I signed up, but when I Search the disclosure I found this : '' Credit. Any loan request you submit is NOT an application for credit. Rather, it is a request to be matched with Lenders to receive conditional loan offers from Lenders. You may have to complete a full application with a Lender before they will extend an unconditional loan offer. '' so they lied to me when I called

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My loan start year was XX/XX/XXXX-XX/XX/XXXX I attended at that time a school/ college call " XXXX '' college and was enrolled under a Programe called " XXXX '' which is a XXXX XXXX XXXX XXXX. After completing the course and going out into the field more than 99 % of the places I apply to had no idea what a XXXX XXXX XXXX was I would not fire me. The school has also changed names over four times and has ruined and degraded the legitimacy of the certification. NAVIENT will not excuse the loan even though I have not been able to get a job once since then. Also the school had been completely misleading and manipulative about how likely a student who graduates would be able to get a job every percentage and every guarantee they gave they did not follow through on. I would like my private loan and federal loan to be dismissed because I was taken advantage of by what is now called XXXX college and XXXX XXXX which is now called Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, INC.
State: MO
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 accounts are not mines, and do not belong to me in any way, not even sure how someone else account crossed with mines, Im demanding that these accounts be removed immediately.

1 ) XXXX XXXX XXXX 2 ) XXXX Card Services

Company response to consumer: Closed with explanation