BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-11
Company: Google Compare Credit Cards Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Received notification from XXXX XXXX that my account has been suspended and required verification by submitting government ID card image and financial documentwith my home address on about XXXX  to XX/XX/2018. I initially ignored due to concern of electronic submission of my ID and financial documents, despite having a nominal balance. But I contacted XXXX XXXX  on XXXX XXXX to figure out why it was suspended and tried to get credit. I was told reason for suspension was not releasable to me to protect my privacy. I was recommended to connect my credit card company ( XXXX XX/XX/2018 ) and then contact another Google department ( XXXX XXXX on XXXX XX/XX/2018 XXXX to see if they can provide information. neither had any issue with my account. I submitted requested documents in hope of finding reason, as recommended by another XXXX XXXX service representative on XXXX XX/XX/2018. Although I was notified of account suspension is lifted, I'm given no reason for suspension, only guesses by phone customer service representative. I was finally told after contacting customer service representative 6 or more times and being told to contact multiple non-Google services that I can not get a response on what triggered my account suspension and it can happen anytime in future. I think I deserve explanation on any issue related to my financial services. It's also misleading to have me contact other service providers to get explanation when issue was stemmed within XXXX XXXX service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: EQUIFAX, 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:
Equifax currently has two credit files for me. Both file are mine with social security, number DOB, Name address. I have asked them to merge files and they refuse. This is a on going issue for the last three years. This occurred after the data breech they had.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
2 credit cards were opened in my name. They are affecting my credit score very badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I sent a dispute letter to Trans Union on XX/XX/19 certified mail & return regarding an unverified Bankruptcy XXXX docket # XXXX ) and the method of verification .I received the return receipt showing that Trans Union received it on XX/XX/19. 

After 42 days I did not receive a response and mailed a non response letter regarding my original dispute on XX/XX/19 certified mail and return receipt. I then got the return receipt back stating that they received the letter on XX/XX/19. 

I called Trans Union to ask if the received my non response letter and they stated that they did not receive it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I recently called Capital One to find out if any of my three accounts were part of the security breach. I have had accounts with them for 19 years. One with a {$6500.00} credit line, another with a $ XXXX credit line, and another with a $ XXXX credit line. 

The rep I spoke to said he couldn't tell me if my accounts were breached although they claim they monitor accounts 24/7. He stated they would notify me by mail which isn't acceptable. This is something a customer needs to know immediately if they actually have access to this information as stated, monitoring

 24/7. To date, I have still not received a notification stating whether any of my accounts were breached.

Because of their lack of cooperation, I told the representative that I wanted to close my three accounts. He repeatedly tried to talk me out of closing them, stating they do everything to protect customer accounts and customer privacy. The whole conversation sounded scripted and it is doubtful that he even gave me his real name ; he provided initials. I would argue that a XXXX XXXX account data breach is a complete failure on Capital One 's account, and I no longer feel safe having open and active Capital One lines of credit. Not only was my account information possibly compromised, but also my linked checking account information. Because of Capital One 's ineptitude, I have needed to place additional security measures on my banking account and log on repeatedly during the day to make sure money has not been stolen out of our account. We have a significant balance in our checking and our linked savings accounts, so we take this matter quite seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Santander Consumer USA 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: Account status incorrect

Complaint:
I was behind on my payments to Santandar Consumer USA because I XXXX XXXX XXXX back the in Summer of 2016. The lender was unwilling to do a deferment on my account and told me to just make payments when I can, so that is what I did since I was unable to work during that time. I started getting threatening and rude phone calls every hour on the hour from XXXX XXXX until XXXX XXXX every day. I asked on many occasions to speak with someone higher up but was told there was no one every time. They threatened to repo my car even though I was caught up on my payments. I was fully caught up in XX/XX/XXXX of this year then they tried to take me to court, I hired an attorney and made an agreement to make my payments on time and have not missed a payment since. My account shows up as closed and as a charge off and no payment history giving me bad credit. Shows a higher amount owed then what I owe at this time. I would like to have my payments showing up on my credit report and my account as open or at least let me put a statement on my credit report as to why I was behind on my payments. This company is unwilling to work with anyone no matter the circumstances. My interest is outrageous on this account too. I highly recommend that no one use Santander Consummer USA for any type of loan or banking needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I can not access my online banking. I have been waiting hours for my account to be accessible. As a consumer of td bank I dont believe I should have to constantly wait for the issues the company is experiencing technology.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions 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 collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX XXXX {$420.00} XXXX AR XXXX 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 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX 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 2021-04-05
Company: Experian Information Solutions Inc.
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:
Hi, There is an incorrect hard credit inquiry from XXXXCards on my Experian file. After trying to work with them for over an hour on the phone, the Experian rep wouldn't even take my dispute even though XXXX cards specifically told me to reach out to Experian to get this resolved. This is urgent. Can you please help get this resolved?

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 2019-10-31
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2017-09-14
Company: EQUIFAX, INC.
State: MA
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: Problem with personal statement of dispute

Complaint:
In complaint XXXX my concern is that Equifax will not explain why I can not access my report online. This complaint is because cfpb closed that complaint without requiring that the issue be addressed by Equifax. 

All I am asking for is that Equifax explain why it will not allow me to have online access to my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, This is a complaint about fraud alert on my credit, this I see Unautorized hard inquiry made with and I didn't apply for any kind of credit Alert Date XX/XX/2019 Alert Id XXXX Alert Type New Inquiry Inquirer Name JPMCB CARD SERVICES Phone Number ( XXXX ) XXXX Industry Type Bank Subscriber Address XXXX XXXX XXXX, XXXX, DE, XXXX so right away i called XXXX  and placed a fraud alert on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21
Company: GOLDMAN SACHS BANK USA
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Im deaf. I initially contracted with a debt consolidation company to negotiate with Marcus by Goldman Sachs for the payment of my debt with them. After months of collecting payments from me without paying Marcus, I decided to cancel the contract with that debt consolidation company. I contacted Marcus directly in XX/XX/2019 to resume paying my debt. We agreed on a payment plan based on hardship. I made the initial payment at that time. Then for some reasons, they started sending me email stating that it was an attempt to collect debt and there my account was charged off. I called them last week and they indicated that I didnt sign an email they sent last XXXX which I never received and that I didnt answer their phone calls. I found they were calling my text-only number instead of the phone number I gave them to call me through an interpeter for deaf. Ive tried to resolve them matter so that I can resume paying monthly, but they keep frustrating me by saying that they couldnt do anything about it and that my account was reported to credit bureaus as charged off. Based on my experience with their customer support representatives, they are not quite deaf-friendly. They dont keep notes because I keep repeating the same information without getting anywhere. 

I would like to resume paying monthly based on the hardship agreement and that they stop making derogatory credit report. They need to live up to their obligations and allow customers to escalate complaints to their legal departments especially if they dont treat their deaf clients fairly in handling loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: CITIBANK, N.A.
State: FL
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:
Citibank makes error after error with my card and I get the fines and fees from their mistakes. 
In XX/XX/XXXX Citicard cancelled my credit card AGAIN due to an incompetence of one of their agents. It took a month for them to replace my card, but in the meantime, my car insurance, dive insurance, internet and XXXX accounts were cancelled. They kept lying to me on the phone and telling me that the new card would be sent via overnight mail to me when I was traveling for two weeks ... They outright LIED! They never mailed the card until after a month at my home address. 

In the meantime, I could not sign up again for the above accounts since I didn't know the new card number. Rather than tell me, the agents kept lying and saying that the card would arrive the next day. 

Now once again, since Citi has cancelled my card numerous times due to their own problems ... .hackers, mistakes, always another excuse ... .I have fines for my XXXX, and my XXXX has gone from {$19.00} to {$49.00} ... I had to keep getting delay waivers for my car insurance and I didn't have dive insurance. 

I have tried to call and write to XXXX numerous times. I get recorded messages at the exectutive escalations numbers, and when I called the regular number and reached XXXX, after putting me on hold for ten minutes, the call was dropped. I tried to log in ..on the phone app there is no way to write, and on the website, I was locked out for " invalid attempts '' with the incorrect password when my password is allegedly saved. So there is no way to contact Citi. I left voicemail messages for XXXX at the escalations department. 

I want the {$85.00} annual fee removed as I was told I would not pay after all of this nonsense, I want the {$10.00} in erroneous interest fees waved, and I want credits for the {$26.00} and {$60.00} overcharges I got for XXXX and XXXX due to Citi cancelling my card and not giving me the new card number to fix my autopays. 

Citi needs to be monitored for allowing so many errors to take place in their company on such a frequent basis.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-26
Company: Select Management Resources, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX of 2019 I took out a title loan from loan max in XXXX XXXX va to help my daughter with her mortgage. The original loan amount was {$710.00}. Since XXXX she has paid XXXX, today she called to inquire about a payoff expecting ot to be about half of the amount borrowed ( because XXXX has already been paid on the account ) and she was told that the payoff on XX/XX/XXXX would be {$890.00} which is greater than the original loan amount. I feel that this was an opportunistic loan that preyed on people in a tough spot. By the time we are finished paying this loan off for {$710.00}, we would have paid back over 3 times thay amount. How can this be legal? How can you pay on a loan for half of a year and the amount you owe is greater than the original amount?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: CL Holdings LLC
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:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: AL
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 went to the car dealership they told me they were only going to pull from one dealership it ended up being multiple which caused my score to drop tremendously! The same thing happened with the mortage company this is most defiantly a lesson learned i will be placing a fraud alert so this won't happen again. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX  - Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This is a formal request to get my credit information updated due to billing inaccuracies. I have personally spoken to the data furnisher which is XXXX XXXX XXXX  XXXX and they have confirmed they have reported the correct balance statement that closed on XX/XX/2021. The statement balance closed as {$91.00} on account ending in # XXXX. Which is 100 % accurate as reported by the Data Furnisher BUT the issue is Equifax has reported this on my credit as having a balance of {$910.00}. This is inaccurate and XXXX XXXX XXXX  XXXX has confirmed specifically XXXX  XXXX Agent ID # XXXX  XXXX that they submitted over the statement balance for account ending in # XXXX as {$91.00}. They provided verbal and statement showing the correct balance. This appears to be an inaccuracy on the side of Equifax. This has now placed me under financial stress due to the massive credit score drop and it's wildly unfair this is happening. I kindly ask for this to be corrected as reflecting the correct balance of {$91.00} as the supporting documentation/statement that closed on XX/XX/2021 clearly reflects. I have spoken to Reporting Specialist at Equifax ID # XXXX and have verbally informed Equifax of the error to get this fixed as soon as possible. It's still not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitted a letter to the XXXX Nad TransUnion Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX Balance : {$7900.00}

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 2020-05-26
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Comenity Bank currently holds 3 accounts with me XXXX XXXX, XXXX, and XXXX. Due to inactivity, the XXXX card was closed. When I applied to have it re-opened, Comenity needed additional proof of identity instead of utilizing the information not only of the existing accounts but even my online validation of the new account. Comenity sent me a new card after they said they did not know who I was. Additionally, the manager 's manager refused to speak with me in a timely manner and they want me to mail in multiple forms of identification, which is even less secure than the online options. At what point does common sense prevail? I am literally trying to give them money, and yet no one wants to work with a loyal customer, and they do not seem to even know what is going on with their own systems. " XXXX '' is the person that supposedly can fix it, but her contacting you at a reasonable time for both parties seems to not be an option, and no one else wants to help. I was finally offered " faxing '' ( in 2020 ) the additional information, so who knows.

Company response to consumer: Closed with explanation