BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-18
Company: General Motors Financial Company, Inc.
State: FL
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:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2017. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: TMX Finance LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
When making payments they are adding interest back on balance which is n't bringing the balance down. When I confronted them they it was their normal accounting procedures. I do n't see how a loan can get paid down if interest is added back to balance each payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am writing to delete the following information on my file. The items need to be deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission, and I have also enclosed copies of the federal Trade Commission identity theft affidavit. Please delete 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 non-monetary relief
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX XXXX I submitted dispute letters ( and I submitted a complaint last week but it didnt go through, but I have screen shot that something was submitted ) to ask the CRAs to show me and explain their verification process and failed to and have not responded to nothing at all. The accounts I am asking for the processes are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( separate account )

Company response to consumer: In progress
Consumer complaint received 2017-04-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other fee

Complaint:
i have a credit card from chase. the credit card # XXXX. 
I did not receive the statement in XX/XX/2017 and I did not know that chase had billed an annual fee to me to this account, i called chase today and learned that an annual fee had been billed. i asked them to cancel my account and credit the annual fee back, but that told me that i am late by 1 day ( one day only ), and refused to credit the annual fee back. This is completely unacceptable and a rip-off. they did not deliver a a statement to me and I did not know about the annual fee until today. 
please have chase reverse the annual fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a capital one card 2 of them and there are closed if they closed da acct they can't report late payments cause da acct is all ready close

Company response to consumer: In progress
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: GA
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:
n accordance with the Fair Credit Reporting act 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

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 2020-09-22
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citi cards emailed me and stated that my credit limit was decreased because I have another Citi card that was not being paid. I contacted Citi because I do not have another Citi card that was not being paid and wanted to know what information was being relied upon. The representative informed me that he could not provide me a copy of the documentation that was referred to in the XX/XX/2020 email, but he can file a request for reconsideration. I also spoke with the fraud department at Citi. The fraud representative indicated that they did not have any record of me having another Citi account or any Citi balances that were not being paid or past due. 

I explained that my reason for the dispute was because I believe that Citi was engaging in a practice of predatory lending and was intentionally lowering my credit limit to adversely impact me. I pay five times the minimum payment due on the account and the account is current and scheduled to be paid off in less than a year. I have  checked with XXXX  and I do not have a Citi card reporting that is not being paid or slowly being paid. I called today to follow up on why this was done and was told by the representative that my limit was decreased because my credit cards were past due. I informed her that this information is not correct and my accounts were not past due. I checked my credit report again to confirm that the representations to me are not correct. She then states that I was sent a letter by mail ( even though I specifically enrolled in only electronic communications ) that states that my balance was lowered because I have other debts. I am not sure why this is any indication of my ability to pay this account. Actually there is no reasonable way to assume that I am struggling to pay this account or any other account because I pay significantly more than the minimum payment due and pay all my bills are current. The representative again stated that she could not provide me a copy of this letter or any documentation that is being relied upon. 

I wholeheartedly believe that this unilateral and arbitrary decision was made to adversely effect my credit. This changed my account from having {$1000.00} in available credit to only {$200.00} in available credit and updates my credit report to show that this card is maxed out. I have not been provided any proof that this action was taken for a legitimate reason despite numerous attempts to obtain documentation that shows there was a legitimate, non-predatory, or discriminatory reason for this action. 

I have not used this card since I first received it and there is no reason to believe that I am incapable of paying the card. Especially since it will be paid off during the promotion interest period.

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 2023-10-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: In progress
Consumer complaint received 2023-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XXXX XXXX XXXX, I visited Kohls to purchase a couple work clothes for the XXXX XXXX I work at. After spending a copious amount of time trying on outfits on my only day off, I proceeded to checkout with my clothes. A blonde white woman is supervising a new cashier, so I smile go along with my checkout. At a point in my transaction, Im offered if I want to sign up for a Kohls rewards card to get a 35 % discount off of my immediate purchase. Usually when customers hear the words store card, they often thing of like a membership to get deals at checkout, not a credit card. This card was only advertised as something I use at checkout to save money. I believed I was joining the Kohls rewards program like many of my family members, not enrolling and getting a credit card. During the transaction as I was putting my details in, it asked for my SSN. I directly asked the Supervisor a clear question, Is this going to pull my credit? To which she tilted and scratched her head, and awkwardly replied Just a soft credit pull. And then I proceeded to say oh nice, those dont hurt your credit. To which she did not respond as she watched me finish entering my details. Just to stop right here, I believe that most adults should be aware that obtaining a credit card would require a credit inquiry that hurts your credit score. I believe both me and this Supervisor are aware of that fact. That is why when she responded with a soft pull, I was misled into the type of card they were offering me. I asked her a question that showed I did know what I was actually signing up for, and she gave me incorrect information. While it is possible that this Supervisor believed that credit cards require soft pulls, she then proceeded to raise her voice and tell me something along the lines of I hope you enjoy shopping at Kohls for many years to come! As I exited quickly to not hold up the line. What happed at this this store was this woman is trained to give consumers vague, misleading answers to their questions about products in order to meet their sales goals. Even if it comes at the expense of the consumer. What happened earlier was a dishonest act, that I believe made the supervisor and cashier uncomfortable that they were incentivized to lie to me, a young XXXX American man. Yet still, the fact I was misled while getting a vague card to use at a store is inexcusable, and utterly ridiculous. I put my trust into the supervising woman and asked her a clarifying question, and then I was mislead, and now my credit score will tank because of it. This truly upset me to my core when I checked my email and found that a credit card would be arriving soon. This will devastate my financial plans in the coming months, as I now have to manage my finances with unwanted line of debt.

Company response to consumer: In progress
Consumer complaint received 2019-03-18
Company: Windham Professionals, Inc.
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A collection agency by the name of Windham Professional has popped up on my credit report for a student loan debt. I have NEVER heard of this collection agency and they have never even contacted me regarding this alleged debt. 

According to the FDCRA a collection agency is supposed to notify a consumer of an alleged debt and give me an opportunity to dispute the validity of the debt. If this collection agency had complied with the law then they would have known that this debt has been paid to a law firm and was taking monthly from my account. Windham Professional is also reporting an alleged inaccurate amount. I personally contacted the  law firm and was told personally to file this complaint because Windham Professional is illegal trying to collect on a debt that they knowingly does not own and can not verify, and they did not give me proper notification to dispute the validity before placing it on my report. I also have found that this collection agency has numerous complaints for this very same thing. I also will not hesitate to sue this collection agency for defamation and ruining my credit rating.

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 2020-09-22
Company: AMERICAN EXPRESS COMPANY
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I used to have an American Express delta sky miles credit card which was cancelled by AMEX on XXXX XX/XX/2020 without letting me know the reason behind the cancellation. I had reached out to them several times regarding this matter, but they never gave me an answer on why my card was cancelled. Prior to account cancellation in XX/XX/2020, I owed {$270.00} which I refused to pay AMEX until they told me the reason for why my card was cancelled. I had stated that I will pay the amount only if they told me the reason. All I got from them is to contact different departments each time I called. They were just passing the ball all around the company. They started charging me late fees and interest on that {$270.00} balance from XXXX onwards and later moved it to collections for not paying and today the balance is {$500.00} as of XX/XX/2020. Now, this has affected my credit score tremendously. No bank can cancel a card without letting the consumer know the reason behind this. I want this fixed. I will pay the balance of {$270.00} that I owed for purchases I made, but I want AMEX to waive all the late fees and interest they charged me and also take this off my credit report as they cancelled my card without telling me the reason behind that. I have attached the cancellation notice they sent me on XXXX XXXX and it has no reasoning. Also, I never received any letter in the mail stating the cancellation reason. 

I don't have the card with me anymore. This is regarding Account Ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off my Macy 's credit card on XX/XX/2020 with Hana at XXXX. At that time, I asked for my account to be closed. XXXX assured me that it would be closed and even told me I could never open another Macy 's account again. 

On or around XX/XX/2020 I received a statement in the mail with the closing date of XX/XX/2020 and a balance of {$2.00}. This is their minimum fee for having the card. I called to see why I was charged on an account that was closed. The automated system said my account was closed, but that I had a balance of {$2.00}. I waited to speak with XXXX at XXXX and I received a very run-around answer and said they would be able to waive my interest fee. He then said after 72 hours the balance shouldn't show anymore and that I shouldn't receive any more statements. 

This creditor is famous for charging this fee, then tacking on a late payment fee for not paying the {$2.00}. Ridiculous. It seems highly illegal to charge anything on someone's account that is closed.

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 2023-04-22
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan # is XXXX with XXXX XXXX. I was in a CARES ACT forbearance. Then once the hardship was over I requested assistance plus able to move forward with my original payment amount. I received partial Claim paperwork in the mail after XXXX months, I signed in front of a notary and sent back to the loss mitigation dept plus just sent off my XX/XX/2023 payment per the partial claim paperwork. I am now receiving collection calls and received a statement for XXXX. I have tried calling teh company on my day off today their phone systems are not working, additionally i sent an email requesting if it is just a timing issue but I am very concerned about my partial claim status, losing my house, and my credit. Please help me. I have done all that has been asked of me to ensure compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I sent disputes to Equifax, XXXX, and XXXX about unverified, erroneous information on my credit report and I've yet to receive a response letter from any of them aside from Equifax, who have decided to re verify my identity instead of assisting me in clearing up errors. They are also reporting various non account holding, unauthorized hard inquiries on my report and are not removing them after they've been sitting there for over 2 years without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Gm! Over 30 days ago I sent a letter by mail to this company requesting them to validate the debt on an account reflecting on my credit. It was not a refusal to pay but to validate why they felt the debt was mine. They have yet to provide any documentation. Im requesting this account to be removed from all 3 credit bureaus due to the company not being able to validate the debt with any documentation with my signature showing the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have sent an wire for house purchase on XX/XX/2023 at XXXX XXXX via my HSBC bank account and they have kept withdrew my account. I learn after 9 days they have hold my wire to recipient for no reason. After speaking and telling importance, how this wire can jeopardize my transaction of house purchase, they assured me they will release it immediately. Today is XX/XX/XXXX and they have not released wire till now and have 0 communication to me, why they have hold the wire. 

I have to stick with non competitive lender because of this transection mismanagement by HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: SUN WEST MORTGAGE COMPANY, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have a mortgage with Sun West Mortgage Company, Inc, ( SWMC ). I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) to have SWMC return unauthorized transactions of {$1000.00} to my escrow account. I sent a request to SWMC on XX/XX/XXXX and have not received a response. 

Upon acquiring my property, SWMC sought an XXXX insurance policy on my behalf in order to close my loan. At closing, every document reviewed by me either contained my signature or initials. My closing disclosure document reflected the premium for my XXXX insurance policy, which I funded during closing. However, after my mortgage closed, SWMC obtained and paid for additional insurance without my knowledge or approval. As a result, SWMC caused me to have an escrow shortage and my mortgage payments went from {$720.00} to {$820.00}. The first payment at the increased mortgage amount was effective XX/XX/XXXX. I have informed SWMC that this higher payment will not be sustainable for me but SWMC have not helped. 

Since XX/XX/XXXX, when I discovered the unauthorized transactions, which took place in XX/XX/XXXX, I have been seeking answers from both SWMC and the insurance broker, XXXX & XXXX as to what occurred. I got nowhere with the insurance broker and though I received an automatic message from SWMC that my concerns were escalated for a complete review, I also got nowhere and took measures to mitigate the escrow impact on my mortgage by seeking a loan modification from SWMC. My request and appeal for a loan modification so that my mortgage does not end in default were denied. My XX/XX/XXXX request to refund my escrow account of the unauthorized charges have gone answered ; this request was sent to the CEO, MrXXXX XXXX XXXX ; customer service ; management ; and the insurance departments. On XX/XX/XXXX, I followed up in an email to Mr. XXXX and to date, I have yet to receive a response. I thank the CFPB for looking into this very important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Credit Karma, LLC
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My name is and spelled as XXXX. My maiden name is XXXX. I have no middle name. On my credit report there is a XXXX and XXXX. Please have this information corrected on my credit report. My email address is XXXX Thank you

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 2023-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

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.

15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments

Company response to consumer: Closed with explanation