BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-13
Company: CNG FINANCIAL CORPORATION
State: CA
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:
my complaint is with XXXX XXXX XXXX company I made a loan one time and encountered an abuse.It wasXX/XX/XXXX when I went to make a payment with cashiers check endorsed as XXXX XXXX XXXX a lady at the counter refuse to accept the payment because it was not written as XXXX XXXX XXXX, it was written as XXXX XXXX XXXX.if did not have time to change the office would be closed for four days they would charge me late fee and the bank would charge more fee for not having suficiente fund.This my first loan after I paid it with no even late one day one month later I received a letter notice of data breach.So that induced me to get loan in order to alieviate from someone using my information and get a loan until I do some thing to prevent identity theft.So when they gave me the contract I saw that the score was XXXX, but the next day when I checked my score was XXXX.And this was intentional falsification to jack up the score.Then on XX/XX/XXXX I wrote them a letter how we can solve the situation and never received an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted the Bureaus XXXX Equifax, XXXX, I have received confirmation from the U.S. Bankruptcy Court stating they did not furnish my personal information to the reporting agency I demand to have this Bankruptcy removed from my profile as it is in violation of my rights. and they have obtained my information with my consent from public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have spoken with Experian about my credit report, so many times now they ask me for my social and date of birth And I don't get a chance to talk with anyone about my credit report. just the machine. Early in XXXX They told me they would seen a new credit report, they have not done so, it seems to me after I have put in a complaint it's gotten worst. once I give my information, the machine won't even connect me it tell me to go online and dispute my information. I have the report number from the old report. So I'm not even sure they have taken anything off. I'm am a victim of fraud I have sent police reports affidavit and now my attorney is sending signed documents I have worked with the Fraud prevention services and Identity Theft through XXXX they told me that all three credit bureau would be made aware. They have not removed anything far as I know. I can't see it because I have not received a up to date report. all I can use is the old report. and now I can't even get a human on the phone. If you can help me with Experian I really would appreciate it this issue has been going on way to long. And I don't have a credit card Witch was mention in the last report For that reason I have not paid to receive my credit score. I would like to see how much they have worked on my credit. Thank you for whatever you can do.

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 2018-05-08
Company: JPMORGAN CHASE & CO.
State: CA
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:
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by CHASE CARD on XX/XX/2016 which l have no idea about it at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The problem is not getting my credit report but the impossibility and the intentional placing of layers and layers of roadblocks by Experian in denying a consumer the ability to speak to a human being to freeze or unfreeze my credit report. I have called 10 's of times today to try and contact Experian and have tried to initiate my request to unfreeze my credit without success. This does not happen with XXXX and XXXX. Experian now places a recorded SSN, zip code , street address verification on any initial call without any method to speak to a customer service representative if the prompts do not work. Any typo error, slight misinformation, etc., automatically triggers another long recording of unbelievable hurdles with directions for the consumer to write Experian and enclose enough documentation to fill the Library of Congress to have the freeze lifted or put in place. The same occurs online with no contact option to speak to anyone. Experian 's phone contact number is XXXX. If you are a paying customer then maybe they will talk to you otherwise you are nothing. This should not happen in this day and age of technology. Just do a XXXX search on how to speak to a live human being on Experian and see what the results are.

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 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX/XXXX  closed my account with XXXX balance on XXXX.I did not closed this account.This credit card was a XXXX credit card.XXXX is now closed/Bankrupted/etc ... It seems like credit card companies are closing credit cards with XXXX balance or lowering limits because of the corona virus pandemic.There are many recent news articles that state credit card companies closing accounts.Because i cant use this card anyways, I do not want XXXX XXXX/XXXX  lowering my credit score by  closing my account.

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 2017-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I phoned Capital One 360 today ( X/XX/2017 ) ( XXXX XXXX ) to open a 360 Money Market account because they are offering a rate of
1.20. for amounts over $ 10k. I completed the account opening and moved funds with no issues. However, when looking at the rate it stated .60 instead of the 1.20 and I deposited $ XXXX. This is the first issue. I phoned and the representative stated that it would most like be updated to reflect the rate of 1.20 at a la
ter date.
Me : Okay and can I check on my beneficiaries with this account?
Cap One : You can not have beneficiaries with a Cap One 360 account.
Me : Then can I add a joint owner?
Cap One : Not unless the joint owner is Cap One 360 account holder.
I have been in finance and banking for years and have never heard of this practice and it seems sneaky and illegal that I can have {$1000.00} 's of dollars in an account but can not name a beneficiary or even add a joint owner. I feel this needs to be addressed and the practice changed. I plan to move the money back to my Credit Union where I know my funds are protected and where I can have beneficiaries and/or joint owners.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Grain Technology, Inc.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have been reaching out to this company for over a week via email and phone. I can not get any response from customer service. Recently my bank account I had linked to the account has been compromised and I am unable to access or use it at the moment. I have opened a new bank account and currently need to update it so I can make payments to close this account. They do not allow you to make this change on the website or app. You have to contact customer service to do such. But when you call and press XXXX to speak with an agent it says none are available. I have tried every work day for about a week and all throughout the day. I have sent numerous emails regarding this and still have not received a response. This is becoming extremely frustrating and not sure if this is even legal. Because I can not make payments with my new bank account I am receiving interest and late payment fees. Along with this I will receive a missed payment or late payment on my credit score which is at their fault because no customer service. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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:
XX/XX/20 thru XX/XX/20 and on XX/XX/20 they have been over {$4000.00} worth of charges been made to my account and I've disputed with my bank and they haven't done anything about it and I feel like I'm just being XXXX  out of my money and something needs to be done. The bank is State Employees Credit Union of North Carolina

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: AES/PHEAA
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Alleged Balance : {$43000.00} Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

This is NOT a request for " verification '' via E-Oscar or proof of my mailing address but a request for VALIDATION of the above named Title and Section of the Fair Debt Collection Practices Act.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/2018.. I got a call from Credence Resource Management. That representative was not rude. I hung up the phone and called XXXX ... the second I called credence resource management, the guy that helped me with my account was very rude, kept interrupting me, using profanity, and bringing up subjects that did not pertain to why I was calling. I said I can only afford so much per month and he kept tryin to get XXXX dollars from me ... the representative also told me to max out my credit card, and when I said I dnt have a credit card with that much of a credit limit, he proceeded to ask me how much is on my credit card. I informed him that it is not any of his business. He kept asking me over and over again. 
I have contacted XXXX about this issue, and asked for my account to be switched to a different collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
This is frustrating because I know this would have a negative effect on my report as well as making it harder to deal with credit transactions not to mention it will take more time to do so. On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). And obviously, I want it to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: EQUIFAX, 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:
Im a victim of idenitiy theft..I submitted several disputes with the creditors and the credit reporting agencies ..creditors told me its the responsibilitiy of the crdit reporting agencies to remove the fraud accounts ..the credit agencies are refusing to remove some of the accounts. For the past 9 months I made several disputes with my police report ... XXXX  told me they can not accept my report but never gave me a reason why. I went back to the police department to see if they where contacted by the credit reporting agencies ..They said No..So why wont they accept my report? I followed there directions and supplied them with a offical police report..on XX/XX/2020 The received the attached letter from experian stated i XXXX contact the creditors and when i contact them they say its up to the credit agencies and address XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX NJ don not belong to me which XXXX  is reporting account from XXXX and XXXX that Fraud and Equifax is reporting XXXX, XXXX and that are fraud..attached also is my police report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am receiving daily phone calls for a person who does not reside in my home. 
I have repeatedly asked Capital Accounts llc to not call me to no avail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
On XX/XX/2021, I sent a letter to formally make a complaint about my incomplete and inaccurate credit information. As I know, It violates the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), and thus I wanted to have it investigated. I also demanded that they provide verifiable proof that has my actual signature in it. Additional information regarding this will be uploaded and I hope that this issue will be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
" REGIONS BANK '' ACC # XXXX CONTINUE REPORTING ID FRAUD AND OUTDATED ACCOUNT NOT MINES AND NEVER DONE BUSINESS WITH BANK ... .NOTE : FORMAL COMPLAINT FILED WITH " FDIC   '' FOR UNFAIR PRACTICES / NOT MY ACCOUNT ... FDCI  CASE # XXXX

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 2020-07-02
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:
Im a victim of idenitiy theft..I submitted several disputes with the creditors and the credit reporting agencies ..creditors told me its the responsibilitiy of the crdit reporting agencies to remove the fraud accounts ..the credit agencies are refusing to remove some of the accounts. For the past 9 months I made several disputes with my police report ... XXXX  told me they can not accept my report but never gave me a reason why. I went back to the police department to see if they where contacted by the credit reporting agencies ..They said No..So why wont they accept my report? I followed there directions and supplied them with a offical police report..on XX/XX/2020 The received the attached letter from experian stated i XXXX contact the creditors and when i contact them they say its up to the credit agencies and address XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX NJ don not belong to me which Transunion is reporting account from XXXX and XXXX that Fraud and XXXX  is reporting XXXX, XXXX and that are fraud..attached also is my police 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 2018-06-25
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had owned my home for 30 years, I refinanced to buy out my ex and to purchase a car. 
Actually I wanted a separate loan for the car and they rolled it into my loan which is totally not legal. I requested several times for them to separate the 2 and wrote to headquarters to have it done and received not one response. 
I requested a loan modification under HARP, they said I did not qualify because of my first modification. I was paying 8.9 % up to 10.5 % in the end, when the loans were being financed at 3 %. I called my finance person locally and the corporate office and no one would work with me. 
In XX/XX/XXXX I lost my job and attempted to work something out with them and they would not work with me. I got a job in XX/XX/XXXXand applied for a modification, turned in all the paperwork and never got a response. I lost that job and requested a buy out and they agreed to XXXX, I told them all I had was XXXX and I could send them that the same day if they agreed, they refused. I then said I would have to sell my home and was told it was to late, they had started the foreclosure process. I asked how they could accept XXXX and not let me sell my home and they just kept saying I could not sell my home. 
I now have a foreclosure on my credit and this affects me when I try to rent a home or get a jobs. I lost 2 jobs because of the foreclosure, one with XXXX. If I have to be accountable, so do they. 
Obviously there was much more conversation, but the car loan being rolled into my current mortgage was very costly and not requested. My modification was never processed or I am not sure what happened. When ever I asked citi to do something I never got a response or the answer never was to my advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX charges were made to my credit card without my knowledge or consent. On XX/XX/XXXX I noticed the charges on my credit card. I immediately called Chase, my credit card company to report the fraud. They did an adjustment for me while they investigated. On XX/XX/XXXX, the charges were placed back on my card saying the fraud claim was lost because I received benefit from the transaction. I immediately called Chase to dispute this and showed proof that I received no benefit. In fact, I was charged for something I did not receive. I received another letter on XX/XX/XXXX that stated that any future requests or correspondence regarding this matter, with the exception that it contains new information will be filed with your account records and you will not receive a response. I then contacted the company ( XXXX ) that we had a dispute against. They stated they received a chargeback from Chase and were out funds as well. They provided me with proof that Chase debited funds from them on XX/XX/XXXX, the same day I was charged for something I didn't receive. I'm not sure why Chase would keep the money and close our case, but I am a victim of theft. Chase states they gave the company back the money and the company should refund me, the company states Chase debited the money and they have no funds to refund us back for a purchase we didn't receive. They advised us to take it up with Chase. I did take it up with Chase and they refuse to talk anymore about the matter, even with faxed proof that we in fact, are being charged for goods, we did not receive. Thanks for your time and attention to this matter.

Company response to consumer: Closed with explanation