BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On XX/XX/XXXX I received an email offer from Capital One for a 10 % rebate on XXXX purchases. On XX/XX/XXXX I made a purchase at XXXX for {$1500.00}, and the transaction posted on XX/XX/XXXX. I then subsequently paid my bill in full when my XXXX statement came. 

On XX/XX/XXXX I received an email from Capital One stating that the purchase qualifies, and I will receive the 10 % credit within 3 billing cycles ( I can provide a copy of this email ). 

I waited a few months and called on XX/XX/XXXX and was told the credit would post on XX/XX/XXXX or XX/XX/XXXX. The credit did not post so I called again today XX/XX/XXXX. After talking to a supervisor, I was transferred to a special unit that handles promotional offers. The representative then told me the credit would only be given AFTER I have taken the trip using XXXX. The trip is scheduled for XX/XX/XXXX to XXXX. She claimed this was in the small print " terms and conditions. '' However, I explained to her that I have an email from Capital One stating the 10 % statement credit would be given after 3 billing cycles from the purchase date of XX/XX/XXXX. Note on the attached documentation that no mention of having to wait until after the trip is included in the email confirmation. 

This is clearly a bait and switch promotional offer. And had I known I would be waiting for the credit until after the trip I probably would not have made the purchase in XXXX and would have waited until closer to my travel date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: FL
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:
I have taken the necessary steps to address this issue by promptly reporting the false information that has been disclosed. As a victim of identity theft, it is crucial for me to emphasize the immense stress and financial burden that I have endured due to the inclusion of products unrelated to my identity, for which I bear no responsibility. The handling of this complaint is of utmost importance, as failure to address it appropriately will leave me with no alternative but to initiate legal proceedings. The presence of these false and fraudulent entries on my consumer report has had a severe detrimental impact on my ability to achieve personal aspirations, such as purchasing my dream car, and providing essential support for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Flagstar Bank, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've made bi monthly payments from the start of my loan, on time every month. Flagstar Bank has never stated that I could not do partial payments. Now they say that is the case and can not find my partial payment for XX/XX/XXXX, even though I see it both on their website and my bank account. I believe they applied my payments incorrectly to the account or not at all. I have reached out to them on the phone three times in XX/XX/XXXX regarding the issue, most recently on XX/XX/XXXX. Each time I asked to speak to a manager but at no of those times was there one available. I was then told to email their servicing management e-mail with detail, which I also did on XX/XX/XXXX. I immediately received an automated e-mail saying they received my message, but that is as far as it has gone. I explained the situation as followed : Your company did not properly credit the payment that I made on XX/XX/XXXX in the amount of {$1300.00}. This payment should have been credited to my payment for XX/XX/XXXX. 

o I have made partial bi-monthly payments since having this loan. Taking a look at my history, you can see Ive made payments for : XX/XX/XXXX ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX ) XX/XX/XXXX ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX. ) XX/XX/XXXX ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX. ) XX/XX/XXXX ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX. ) XX/XX/XXXX ( XXXX on XXXX, XXXX on XX/XX/XXXX. ) These dates and amounts were visible from my loan details on flagstars page. I have attached a pdf from my bank showing the matching payments that left the account to flagstar. No one that I have talked to at Flagstar can apparently see these. 
o Per the note 3 under your payment information directly listed on the statements flagstar has sent me : Any partial monthly payment made that is not applied to the loan, but instead is held in a separate suspense account until enough funds are received to equal a full payment, at which time, the funds will then be applied to the loan. 

I have called three times this month regarding this issue and no one has helped me. 

o When I requested to speak with a supervisor on my first call, I was told they would not put me on with them because they werent going to help. 

o After my most recent call on XX/XX/XXXX with your service agent, ( i will leave this name blank for the purpose of CFPB ), I was told to write an email to the XXXX e-mail as he looked for over 40 mins for a supervisor and could not find one.

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 2020-02-28
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midwest reported to my credit I owe a debt from a pay day loan I am a victim of ID theft and never borrowed pay day loan for the company Midwest represents

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Westlake Services, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I believe this company is erroneously charging the following : -erroneously intertest charges -mischarging for Gap Insurance -other charges -multiple charges for repossession fees -changing how my payments are applied to my loan ( principle, interest, late fees, and gap insurance ) ; they apply my payments to principle, etc. then go back and change the way the money was applied to my account I've talked to the company multiple times. Every time I'm given a different answer on what the " additional '' charges are for and how the interest is accruing to my account. I have paid several large payments $ 1,000- {$3000.00} and the gap insurance is not showing that it is paid on my account. Additionally, every month my account shows " other charges ''. Westlake Financial has yet to provide a clear explanation in writing as to what these " other charges '' are. Also, when the accounting department send me a statement of accounting, the money that I have paid on my loan is always accounted for differently in each statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: DISCOVER BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized inquiries on my credit report that I did not do, I wrote all 3 credit bureaus they requested me to contact consumer the consumer state they can not locate a Credit inquiry from me and want asst with removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I went to the emergency room and was fully covered with my insurance, but someone stole my information and got service fraudulantly ...

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 2019-04-24
Company: Experian Information Solutions Inc.
State: FL
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 a victim of identify theft. Multiple inquiries and accounts were opened on my credit file.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX {$0.00}

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 2020-02-28
Company: Frost-Arnett Company
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon visit to XXXX XXXX on a Saturday, I attempted to pay in-person at the time of service. Because it was a Saturday, and they could not contact my health insurance to verify my {$50.00} copay amount, they would not let me pay in person at my visit the day of service. Several months later, on XX/XX/20, I received a collection notice saying this {$50.00} bill was placed with a collection agency. THIS WAS THE FIRST TIME I HAD EVER SEEN THIS BILL IN THE MAIL AT ALL! When I called XXXX XXXX ( XXXX ) at XXXX on XX/XX/20, to let them know they never sent me a bill at all ( until I received this collection notice ), they said they had sent me the bill three times before the collection agency had sent me this letter. They had my correct address but they had my incorrect phone number. I am an XXXX XXXX XXXX for XXXX Unified School District and I XXXX  MY STUDENTS TO PAY THEIR DEBTS ON TIME. I have never paid a bill late before so for me to receive a collection notice ( which will negatively affect my credit ) is devastating to me. Immediately after I received this collection notice, I paid the bill as soon as possible on XX/XX/20 ( as I always do when I receive any bill ). I don't know if someone had tampered with my mail, but this is not my fault and should not negatively affect my credit in any way since I had no control over paying this bill on time. Please let me know how we can erase this from my credit score and why I never received a bill in the mail before it went to a collection agency. 
Thank you very much. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: STATE FARM BANK, FSB
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I purchased a car from a used car dealership VIN # XXXX XXXX XXXX XXXX in XXXX NY on XX/XX/19. I paid {$7000.00} cash, {$3200.00} trade in and financed {$25000.00} through state farm bank. 
I reviewed all state farm bank paperwork for the financing. In XX/XX/2019 I received the car title in the mail shows " two liens listed '' State Farm Bank and XXXX  XXXX XXXX. I contacted the dealership several times and was told to check with the DMV for them to update. I contacted the other lien holder on the title and was told they can not release any information. I contacted state farm and they asked me to send in the title and then it was returned back to me. 
All my loan documents show that state farm must be listed as the sole lien holder on the title. I'm not sure how this happened and what to do to get this resolved. I have tried XXXX, district attorney, the dealership, etc. I need my title to show state farm bank is the only lien holder.

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 2020-02-28
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized inquiries on my credit report that I did not do, I wrote all 3 credit bureaus they requested me to contact consumer the consumer state they can not locate a Credit inquiry from me and want asst with removal.

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 2017-12-26
Company: Experian Information Solutions Inc.
State: IN
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:
There are many mistakes appear in my report without my understanding.

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 2020-02-28
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:
Due to unfortunate circumstances I travel back and forth form XXXX XXXX to XXXX  in the month of XX/XX/2020. I am proud to report on time payments four consecutive months. Being a loyal and happy customer of Capital on, I enjoy all the benefits and rewards. I have set-up auto pay for this credit card for future due dates. I was able to get the past due payment credited to my account, on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX  XXXX Late Payment {$0.00} XXXX XXXX XXXX Late Payment {$0.00} XXXX  XXXX Late Payment {$0.00} ( Original Creditor : XXXX  ) XXXX Collection {$230.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Collection {$230.00} XXXX XXXX XXXX XXXX Collection {$18000.00} XXXX XXXX XXXX XXXX Collection {$26000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX Charge-off {$510.00} XXXX  XXXX Charge-off {$12000.00} XXXX  XXXX Charge-off {$790.00} XXXX XXXX  XXXX Charge-off {$6400.00} XXXX XXXXXXXX Charge-off {$510.00}

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 2020-02-28
Company: Veros Credit, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized inquiries on my credit report that I did not do, I wrote all 3 credit bureaus they requested me to contact consumer the consumer state they can not locate a Credit inquiry from me and want asst with removal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On my PNC Bank Home Equity Line of Credit Account Statement ending on XX/XX/2019, PNC incorrectly calculated my account balance by {$220.00} & has not corrected in in last two month statement even after I talked to them in early XXXX concerning this issue. My XX/XX/2019 balance was {$81000.00} & my XX/XX/2019 statement shows principal as {$210.00} with no other charges than interests but my loan balance went " UP '' to {$81000.00}. 

I demand to know why this happen & if this happen to other PNC customers. As I stated earlier my present statements still reflect the incorrect thief by PNC of {$220.00} plus any interest I being charged on this bogus thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: NY
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I 've never had a single late payment or derogatory mark with Chase Bank or with any bank or lender, but Chase Bank, without warning or notification, shut down all my accounts with them, and told me there 's nothing I can do about it. They approved me for four cards recently because I have a clean credit report, but decided to not only close these new accounts, but all my credit card accounts with them without allowing me to plead my case to keep my accounts open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 and 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 non-monetary relief