BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: MI
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:
On XXXX XX/XX/XXXX XXXX XXXX responded to CFPB complaint XXXX stating : " Your account was charged off on XX/XX/XXXX and we are no longer sending you billing statements. '' However, the collections agent XXXX XXXX assigned stated " Your account was recalled by XXXX on XX/XX/XXXX ; '' That is, XXXX XXXX recalled the account knowing full-well a billing investigation had not been conducted. Yet, without conducting a billing error invesigation, XXXX XXXX allegedly charged-off the account on XXXX XX/XX/XXXX. Under 12 CFR 1026.13 Billing error resolution XXXX XXXX was to have conducted a billing error investigation. They did not. Moreover, 12 CFR 1026.13 ( 2 ) states that Adverse credit reporting is prohibited. " The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. '' What XXXX XXXX did was conduct a billing error investigation post-facto, and then commenced furnishing negative payment history to the CRAs around XX/XX/XXXX. I have had to have it removed when I've caught it. Unfortunately, XXXX XXXX began reporting payment history again to the CRAs in XXXX of XXXX advancing deliquency status by thirty ( 30 ) days but have failed to send me a bill. It is incohate for a charged-off account to both be charged-off and past-due, advancing the adverse payment history every thirty ( 30 ) days. Finally, screenshots from XXXX XXXX website celarly show that out of the total outsanding balance only around four-hundred dollars is allegedly past-due, which is consistent with the adverse history furnished to the CRAs. Since XXXX XXXX is clearly furnishing payment history to the CRAs, while amditting they are no longer sending me statements, '' I am asking for the CRAs to remove the account/tradeline for this accout because the account history remains incohate due to the post-facto billing investigation. They have chosen not to comply with Federal law regarding Regulation / TILA, billing error investigations under 2 CFR 1026.13, collection practices under FDCPA, and data furnishing responsibilities under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
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:
Our XXXX Acccount/ FIFTH THIRD BANK Also known as. XXXX also known as XXXX XXXX should not be reporting late IN XXXX, XXXX OR XXXX OF XXXX. 

I am just mortified. MY WIFE CAN'T STOP CRYING. 

MY WIFE CALLED IN AND DISCUSSED MY ACCCOUNT WITH XXXX 'S CUSTOMER SERVICE BACK IN XXXX OF THIS YEAR. IT WAS CONFIRMED THAT THE ACCOUNT WAS DEFERRED FOR BOTH THE MONTHS of XXXX, XXXX AND XXXX. TO OUR DISMAY AFTER CONFIRMING WITH XXXX STAFF THAT THE ACCOUNT WAS DEFERRED WE NOTICED WE HAD BEEN MARKED AS LATE! 

the staff said they wouldn't do anything to help us! but we confirmed it was deferred on a recorded line! 

MY WIFE AND I WOULD HAVE NEVER LET THAT HAPPEN. WE ARE TRYING TO CLOSE ON A HOME PURCHASE. 

WE HAVE NEVER PAID THIS ACCOUNT LATE AND WE HAVE HAD THIS SINCE LOAN SINCE XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 a promotional email from Capital One, telling me that I might be eligible for a new credit card. My credit score has recently improved and I'm interested in consolidating debt, so I decided to apply for pre-approval. I was pre-approved and it gave me three options to choose from as far as a credit card. I chose the Platinum Card, which told me that I would get at 0 % down, 9 month interest-fee period, and a variable APR of 26.99 %. However, the available credit line on the card was not listed, which is a much different experience than I've had with other lenders, that usually reveal the total credit line available, interest rate and other terms once providing me with options I'm approved for. 

I clicked on the Platinum card to learn more, believing the next window would crunch numbers and reveal to me my available credit line before I committed to the card. However, I was actually registered for the card and the total credit line was never revealed to me until AFTER they signed me up for the card. Since my objective is to consolidate debt, I NEVER would have agreed to a card with a {$300.00} line of credit. Approval was sent to me at XXXX XXXX CT on XX/XX/XXXX. 

I immediately called Capital One ( XXXX XXXX CT on XX/XX/XXXX ) to tell them to reverse the application -- that I did not want the card under those terms. However, I was told by a service rep ( after waiting on hold for nearly 30 min ) that this was not possible and my only option was to cancel the card. I explained that I never would have registered for a card that plainly told me that there was a {$300.00} credit limit, however, was told by the rep that in the terms and conditions " fine print, '' it explains all this. I told her that it is deception advertising to include only an APR in bold terms at the top, without also telling me how much I actually have in a credit line. 

Ultimately, my only option was to cancel the card, which will now negatively impact my credit score, which I have fought so hard to improve over the past few years. Considering I immediately took action and the account was both opened and closed within 45 minutes, this is ridiculous, particularly given the deception checkout flow and marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Hello My Names, is XXXX XXXX XXXX And I'm writing to you about this company that is report to the credit bureau. I have complained about this before. To the credit bureau they keep saying very thing is correct and I know that's not true. i need ( CFPB ) to help me with this matter. I decided to call the company. XXXX ( AKA ) XXXX. And ask them to mail me the contract that i sign and they did. I read contract and that is not my names. on the contract. similar to name but not the same spelling. And i sign a contract it would have the right spelling. and my signature would be right and not wrong like it shows.. I ATTACHED DOCUMENTS

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 2019-01-11
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This about Department of Education /XXXX . I attended 2 different Community Colleges without a High School Diploma. I read about the Ability to Benefit Application, which helps some people be able to get their loans discharged. The qualifications are, no High School Diploma or G.e.d. You did not go through the ability to benefit test. False certification of documents. Meaning someone forged your name on documents etc. I qualified in every way. I sent test scores to them. Test showed I did not pass, sent high school transcripts etc. The Dept of Ed denied my application stating I had a High School Diploma. Now, the are the DEPARTMENT OF EDUCATION. They know if I graduated from High School, or have my G.E.D. US Dept of Ed used lie, so they would not need to honor their application for the Ability to Benefit discharge. Navient, has my loans they gave me the run around so much concerning documents they needed to process that application, so it could get to the Dept of Education. They are being sued Dept of Ed, and Navient for these type of practices. Not honoring the discharge applications. Also charging to much on interest ext. HELP PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: Profit Services Group
State: GA
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:
Upon reading my personal credit reports ( XXXX, XXXX, XXXX ), I noticed an entry from Profit Services Group ( XXXX XXXX XXXX ) account # XXXX. This collection account is the only negative entry listed on my credit reports and it has severely damaged my credit score. I spoke with a representative with Profit Services initially in the month of XXXX regarding this information because I was completely unaware that I had an unresolved medical debt with any medical institution. Since I was not sure about the details of the amount, the time, and the location of where this debt had occurred I asked the representative to please provide me with an itemized bill or statement from this medical institution. The representative stated that " Profit Services is not legally obligated to provide consumers with ANY statements, bills or form of validation ( even if the consumer has requested for their personal review or to compare with insurance information ). This claim by the representative seems very suspicious, considering that it is supposedly " my '' debt and they requesting me to hand over my money without personal review. I have called Profit Service a second time and I was informed that I would be receiving a copy and that it would be mailed to my current address. .I have not received that documentation as of yet.

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 2017-06-05
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize this company to check my credit. I do not have any agreements with them so the inquiry on my report needs to be remove. They are saying someone else requested but it was a pull from there company. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
Hi yes Ive had this card for about one year. They gave me a limit of XXXX. For the first time in 8 years I was out of town and forgot to make a payment. I called them right away and said I knew I was late but I was going to make the payment tomorrow. Just needed to set up my new checking account information with them. So I just use my old account to make the payment which was XXXX plus the late fee that they decided to charge anyways even though I made a phone call to them. So instead of paying the XXXX I made a XXXX payment instead and also made another XXXX payment 3 days after the first payment. to just pay it down some. Its XXXX the balance and I paid XXXX should be XXXX but some how its XXXX still. And they also made a report stating that on XXXX XXXX. That I increased my balance for XXXX not that I made XXXX in payments! And they also reduced my credit limit line from XXXX to XXXX with just one email saying that they decided that should be done. After making XXXX in payments and only having XXXX due. Unbelievable!! They said I increased the balance and never stated I made the two payments. Now reading al these reviews about them. Im horrified

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 2021-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX and purchased a used XXXX XXXX XXXX XXXX XXXX. I came into the dealership with a letter from Capital One saying I was pre-approved for a purchase up to {$35000.00} After making me wait in the lobby for nearly an hour they came back and said that the lender ( Capital One in this case ) mandated that I purchase an Extended Warranty and that was the only way I would be funded ( at 16 % APR no less ). 

They said it covered bumper to bumper and was a good idea on a 4 year-old car. The cost was nearly {$3000.00} which was disclosed on the loan docs but not made clear to me at the time of purchase. 

Never the less, I brought the car in to the XXXX XXXX dealership for the XXXX service a few months later only to find out that none of the extended warranty applied. Fine. 

So I called the warranty company listed on the loan docs asking how to cancel the service. They said that I had to go the dealership where I bought it so they could get an odometer rating. Ok ( again ). 

On XX/XX/XXXX, I went to the dealership and requested a cancellation. They filled out the paperwork and gave me a copy of the request [ attached ] after I asked for it ( no, they did not volunteer giving me a copy ). They said that the refund of {$280.00} ( as disclosed on the form they gave me ) would be sent to the lien holder ( i.e. Capital One ). 

I closely monitored by Capital One account and never got the refund applied. I repeatedly called XXXX XXXX XXXX XXXX who said " it can take a few months '' to get your refund ( really??? ). 

In XXXX, I paid off the Capital One loan without the refunded amount applied. I continue to call XXXX XXXX XXXX  asking where my refund is but nobody can answer over the phone and they never call me back with an answer after insisting that they will research. Lastly, on Friday, XX/XX/XXXX a representative said it is showing as cancelled on their end ( great ) but he doesn't know where the refund is or when it will be paid. 

It's been 2 months since I cancelled this policy and still haven't receive my refund nor can I get an answer as to if/when I will and how now that Capital One has been paid off. 

I'm angered that they insisted adding the extended warranty ( I had a pre-approval letter from Capital One and nowhere did it say this ) ; only the dealership spoke to the lending regarding this. They got their money when I got the car. Now that I have cancelled this unnecessary add-on, my money is nowhere to be found. 

CRIMINAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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
Consumer complaint received 2022-08-31
Company: Block, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
The company has wasted all of our times disclosing nothing of value. Therefore a new complaint is opened. A complaint will continue to be filed until the company discloses WHEN they will be returning my funds. They have been holding my funds past the minimum of 90 days, and there are no circumstances that require them to hold it any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my loan processor sent me a letter saying they did not pay supplemental tax bill from my escrow account. That I now need to pay the property taxes plus interest and penalties. 

I was not watching for property taxes because I had done an escrow account and taxes were to be paid from that account by my loan servicer I believe what happened is when I purchased the home the original property tax bills were paid by my loan servicer. But in California another bill is sent because of the increase in assessment amount based on the purchase price of the home. 

I refinanced about 6 months after closing. 

My servicer some how missed the supplemental bill and is now wanting me to cover the taxes and late charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: BAM Financial, LLC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX and i am filing a complaint against binance.us a subsidiary of BAM trading company inc. XXXX XXXX number is XXXX, i reached out to the company on XX/XX/XXXX as i did not get credited my xlm deposit of XXXX. I was then instructed to upload my a pic of my transfer, the account number and a video stating who i was and what i was requesting .I got a response stating it would be credited asap on XX/XX/XXXX. It is now XX/XX/2017 emails later, several escalations and no resolution or any response on why. I then try on XX/XX/XXXX to withdraw my crypto into a wallet XXXX a value of XXXX ) and im unable to do so as it states its because or risk management, i did research and found that they do that and use the excuse that they feel the account was compromised, this is impossible as in order for anything to transpire in my account, my verified bank account needs to be involved along with a text message to my phone with a one time access code. Its an excuse. So not only are they holding XXXX of my funds hostage for no explained reason, they have not credited approximately XXXX dollars in coins to the account, its been almost a month and nothing but auto replies and canned responses.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2022-11-09
Company: Meade & Associates, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This account was previously deleted from my credit report, due to it being a HIPAA Law violation. It was then sold to another debt collector and placed back on my credit report.

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 2022-08-31
Company: Emergent Business Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Emergent Servicing keeps bothering me and harrassing me for a debt they do not even tell me about. When they finally sent a letter I was like I do not owe this. The original company said I did not owe this. Stop harrassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: DISCOVER BANK
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Discover Bank Supervisor, did a third party call to The Social Security Administration inference to me of someone is rejecting my payroll, when they should be putting my payroll their, in my checking account. The Supervsior, at the Social Security staff sent my Payroll to a close account, instead of and Open account, XXXX XXXX, than is correct maybe two account should have been opened, due to XXXX XXXX fraud, of wanting {$1200.00}, for {$300.00}, when Discover Bank did pay them on my payroll!! XXXX is committing the Fraud!!! 

I did give the Supervisor XXXX XXXX, ( ssa ) the correct checking number, on a timely basis, to put my payroll check into my account, which is {$700.00}, and for 30 employers, it should have been $ XXXXx12x4 IS $ = {$4100.00}, {$700.00}, never. 

Discover Bank supervisor, called the Federal Agency, concerns about she have no control over a closed check going into a Closed Account, and she thinks it may take two up until two weeks, it will never take two weeks to process a check, that should not be rejected, instead. Only Fraud checks should be rejected, or returned, not a good Check. 

My employer, I updated the check at my employer, and it was sent immediately, the next day. 

Discover bank, when my mortage person cause my check to nsf, discover was supposed to take {$35.00}, Someone at Discover bank once took to {$260.00} of my XXXX bill and necessity money!!!

Company response to consumer: Closed with explanation