BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-27
Company: BANK OZK
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XXXX XXXX XXXX  XXXX XXXX, XXXX. now named Bank of Ozarks obtained the bank in a Merger. The subject is a XXXX XXXX XXXX that I purchased then with good credit and score from XXXX XXXX  dealership of XXXX, NC was begged/ conhersed with 9.99 % interest rate. 
XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX now Bank of Ozarks and the salesman told me they'd lower the interest rate before my first payment. The President of XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX spoke to me in depth about XXXX XXXX reporting late payments months after month lowering my credit score and reading my credit reports violating my FCRA - Fair Billing Act while maliciously reaged my credit report while the XXXX XXXX XXXX in XXXX XXXX possession and voluntarily was already sold illegally by XXXX XXXX ( Collections Department ) and XXXX XXXX ( President of Bank of Ozarks ) Employee of XXXX XXXX XXXX/Bank of Ozarks. XXXX XXXX was undeterred in her actions against reporting fraudulent activity to my credit report while loosing me contracts, homes, other nicer vehicles hurting my good character. The Lt. Governor XXXX is my friend and worked on several projects in the community together spoke to XXXX XXXX told Lt Governor XXXX the vehicle repossession was correctly reported XX/XX/XXXX Lt. Governor was disappointed that The President of the Bank was violating my FCRA and Fair Billing Reporting Act. Lt. Governor XXXX also was concerned about Collection Practices of XXXX XXXX and Collections Practice 's. XXXX ( President of XXXX XXXX XXXX  XXXX XXXX, NC.caused me Great Hardships Financially, Socially, Mentally, by not acting according to NC Law. 
I have a Notarized Copied and Dated Copy from XXXX XXXX employee of XXXX XXXX XXXX XXXX XXXX, NC proving my XXXX XXXX XXXX was voluntarily returned on the date of the Notarized Bank Document signed on the day of XX/XX/XXXX without the knowledge of XXXX XXXX until after XXXX XXXX XXXX was returned by my fianc XXXX XXXX. XXXX XXXX volunteered and telling XXXX XXXX Thank You most people have to have their cars involuntary repossessed it was refreshing to have XXXX XXXX to act responsibly. The completeness and or accuracy is on the financial services institution to be reported correct on my credit report. While XXXX XXXX used the vehicle of XXXX XXXX XXXX as a weapon with the approval of President XXXX XXXX to violate my FCRA Rights viciously attacking my credit report Everytime I dispute their errors.The contract I signed also with XXXX XXXX XXXX   XXXX XXXX/Bank of Ozarks and the collections practices speaking to neighbors about my account while voluntarily returned the XXXX XXXX to the XXXX Branch. My privacy rights were violated maliciously without any regards to NC Laws by XXXX XXXX and XXXX XXXX. It was important to violate my rights so the merger would happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been having problems with my credit card payments with Bank of America. Each time I try to make payment I either have to call to resolve the problem. The system of the bank does not have auto pay cancelllation through online and so I had to call to cancel it. But still didn't solve the problem and they took out money twice for each card for one billing month. So I requested for refund for one each payment. In the meantime, since it takes 2 billing cycle to refund it back to me, I had to make the next month bill. So I made an arrangement for each card making sure it is not past due and more than minimum amount due. Since I always had problems each months I had to check through online every day, if my payment I s correctly made. And again, it says " your payment is past due, please call ''. So I called to BOA to resolve it and find out why I am keep going through this problem. I even spoke with the supervisor on XX/XX/XXXX on the due date to resolve - why my payment didn't go through. ( I even checked with my own bank to make sure they didn't have any problem- which they didn't ) The supervisor told me that the prior agent mistaken wrote the wrong bank account number so he apologized and said he took care of it so I don't have to worry about. So I thought it was resolved. But today, a week later, checked BOA account online and saw the payment still wasn't made. I made sure that the supervisor had the right account number and routing number. And called my bank to see if there is any problem on the system, and they didn't. So I called again to BOA and it automatically put me on the collection department of BOA, and the supervisor told me that I didn't make the payment so it is my responsibility for the payments. I explained the whole story and she didn't even want to listen to me and yelled at me saying " ma'am I don't care I dont see the notes saying thay I made a phone call last week to try to make a payment or resolve this issue ( yes of course at this point I was so upset I had to yell at her too ). My interest rate is going higher each month due to the whole issue ( late fees and interest rates added ). It is not right.

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 2021-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Capital One charged my account twice for an item I purchased through XXXX. Capital One closed the account and issue the a credit. However two months later Capital One charged the new account with the same charge. I called back and spoke to a rep by name XXXX. She told me Capital did NOT consider the charge fraud because I provided the account number to XXXX despite the fact that I was charged twice for the same item. XXXX from Capital One contacted XXXX employee/supervisor who promised to credit back the account. However that did not happen and it has been over one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
back ground check inaccurate

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 2017-12-18
Company: Everest Receivable Services Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call today ( Monday XXXX XXXX at XXXX AM MST ) from XXXX Receivable Services from a Utah telephone number. The company is based in New York! ( deceptive ). When I called back, I asked the representative multiple times the reason for the call, but he wanted me to verify my personal information first. I assumed this call was from a debt collector, but he DID NOT disclose this information at all. Even after I asked if that was the case! He terminated the call when I refused to verify the last four digits of my social security number. 

I called back and spoke to a supervisor, who also refused to disclose " This communication is from a debt collector, and all information will be used for that purpose. '' She went back/forth with me trying to get me to verify my identification BEFORE she would tell me this call was from a debt collector. Eventually, in order to figure what was really going on, I did verify my identity and was given the above quoted statement. 

I find this EXTREMELY deceptive, and misleading. Although there was no profane language used, the woman was unprofessional and clearly did not understand the gravity of the situation. 

Perhaps I misunderstand the FDCPA, but I was under the impression ANYONE calling you with the intent to collect a debt must disclose this information immediately. 

I would like to have XXXX XXXX XXXX investigated for likely abuse and violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I have filed a complaint against this company before, complaint # XXXX. On my complaint, I stated : " On XXXX 18th_this company received a letter requesting validation where I asked them either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDCPA Sec XXXX ''. 

The company responded. on their response, this company claims that they are able to provide validation documents. The statement they sent shows an account ending in XXXX and they are saying on their response to CFPB, XXXX purchased the XXXX XXXX credit card account ending in " XXXX '' on or about XXXX XXXX, XXXX. This proves that this account is unsubstantiated and unverified! What made you and this company claim that you verified this account and investigated it??? Furthermore, the company is reporting the status of the account incorrectly! They are reporting the status as " open '' instead of " collection ''. They have violated the California Credit Reporting Act. These violations had caused my credit to be harmed more than legally permissible. I am more than willing to get my legal counsel involved in this matter if this will not be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: HW Holding, Inc
State: MN
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 is incorrect

Complaint:
I did try to contact rental history reports and Hunter Warfield about inaccuracies all my file and I have a court document that I sent to rental history reports about me and my daughter because she's in the household and also on the report they refused to remove it they refuse to correct the file we keep going around in circles they think it's a joke and it's not funny to me this is stopping me from getting an apartment and they just don't care Hunter Warfield is being rude and disrespectful and I've tried to explain to them what it was and I have proof but they refused to listen to me they keep talking over me and not listen to what I'm saying to them

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: AZ
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 disputed the hard inquiries on my XXXX report on XX/XX/2023. The credit disputes came back today and nothing is removed. It is fraud

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 2022-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a debit card from Capital One to my home address for a " 360 Checking '' account that I did not open or consent to. 
I called them immediately to have them close the account and block any further use of my name address and any other information with their company, which they did. 
I checked all my credit burau reports and there wasn't anything remarkable or unknown to me on them. 
This seems like Capital one is opening accounts fraudulently to pump up sales quotas again. 
Worth a look into so that these criminal practices can be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received this letter on XX/XX/2019, I never went to XXXX Hosp XXXX XXXX, I always have XXXX, I have Medical with XXXX so I don't pay anything for medical or hospitals. I explain to the collector, this is the first time I received any communication from this agency, never received any communication with XXXX  Hosp XXXX XXXX, I have all my insurance and medical that I could provide, But I never gone to this hopital. My contact number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: SYNCHRONY FINANCIAL
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I have a line of credit on PayPal. I was unaware that they would hit my bank account and credit card as my preferred payment for online shopping causing XXXX overdraft fees and a negative balance on my PayPal account which I don't understand how that works. I tried calling multiple times to dispute them using my bank account instead of the line of credit for online purchases and couldn't get any answers or have them refund me the overdraft fees they caused. I tried to access their community forum and was rejected access to that to see if someone could help me understand the negative balance. I removed my credit card and debit card from their access. They're charging me increased late fees from {$30.00} to {$41.00}. I tried to change my payment due date online but the request was denied so I called them to change it which was done for the following month. I feel like I'm in a quagmire of fees, interest and deceptive practices by PayPal to get more and more money from me.

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 2018-07-26
Company: Bread Financial Holdings, Inc.
State: TX
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:
XXXX 's client XXXX XXXX is a victim of identity theft. His information was used to apply for several auto loans as well as cash advance loans and credit cards without his consent. While the applications filed did not create accounts the applications did leave fraudulent related inquiries on his credit reports. Official disputes of these inquiries were sent to each of the creditors however a recent review of credit reports still has several of the creditors reporting the fraudulent inquiry data. This is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Contacted company by phone ( TransUnion )! Wanted to know why my credit score dropped XXXX points ( XXXX to XXXX ). The first person I talked to was trying to explain to me why credit scores drop!! I told him I know that, my question was WHY DID MY CREDIT SCORE DROP!!! I gave him all my info and he could NOT give me an answer!!! I then asked to speak to his supervisor!!! I think this XXXX was XXXX  than the first person I talked to!! He again said he could not tell me why my credit score dropped? I asked him if he was looking at my info on his computer!! He said he was, I then said WHY DID MY CREDIT SCORE DROP XXXX points!! He said I needed to talk to a credit counselor??? I did contact XXXX XXXX and XXXX XXXX! The only XXXX charges during this period!! Both said my accounts were paid off and I was in Good Standing!!! I don't understand how a company like this could destroy someone's credit without suffering severe financial penalties!! Also how, after identifying myself, they can refuse to give me an explanation what the XXXX they are doing, instead offering platitudes like I'm some kind of XXXX!!! I would like a complete summary of how this occurred and how it will be prevented from happening again!!!

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 2018-07-26
Company: FIRST HERITAGE CREDIT LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
My company has not given raises in 4 years. My overtime was taken away completely over 2 years ago. Cost of living constantly going up. Couldn't pay bills. Signed up with a Debt Relief company over 7 months ago. Have legal protection with them. The attorney made frequent calls to First Heritage and their attorney ( I signed a power of attorney ) and they would never even speak to them about a payment plan with the Debt company. First Heritage called me at WORK trying to collect this debt even after the power of attorney was sent to them. If I answered the phone, I informed them that they needed to contact my attorney, that they were taking care of this matter, but they still called me at work and my cell phone. 
Instead of working with getting paid, they took it to court and want to garnish my wages ( which money is already going to the debt company to pay them ) They have a horrible attorney and ruthless people working for this company. Why would you not work with someone to obtain your payment, knowing that the customer can't afford to pay you directly. So now at this point, it appears there will be no other option but to file bankruptcy and they get NOTHING!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: SYNCHRONY FINANCIAL
State: PA
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:
Financing by synchrony allowed a card to be opened in my name. Shockingly the account reflects a payment was made. I request all bills to include what account the payment was made from. The debt was sold to XXXX XXXX. However, they have nothing to do w/the information I am requesting. I am requesting information to show when an application was submitted, bills and or anything relevant to this account. Synchrony is the original debt collector and should be able to fulfill the request. Lastly, I find it less than a coincidence this company also maintains Lowes credit cards. Maybe an investigation should be done on that and/or the Lowes in XXXX XXXX Pa and see if more complaints pinpoint that store/company.

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 2021-03-10
Company: Bread Financial Holdings, Inc.
State: PA
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
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 filed an identity theft report with FTC as someone has stolen my information. I did not request any credit and have frozen my credit with XXXX. My credit report states the inquiry was made on or around XX/XX/XXXX for a travel/entertainment card. 

The requirement of the Bank to respond to credit bureau disputes is outlined by the Revision of the Fair Credit Reporting Act Section 312, effective XX/XX/XXXX. Under the provisions of FACTA/FCRA, upon receipt of a credit bureau report dispute from a client, the Bank must immediately place a dispute code on its subscribing credit bureau reports.

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 2019-02-15
Company: Experian Information Solutions Inc.
State: TX
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 explanation
Consumer complaint received 2018-09-10
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my account around XX/XX/2018 on Citibank branch, There is a promotion : 1. Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the new checking and/or savings account. 
2. Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days. 
3. Get {$400.00} deposited to your account I meet the requirements but didn't receive any bonuses, I called citibank, they say they can't see this promotion on my account thus couldn't verify 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