BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-03
Company: FinCo Services Inc DBA Current
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have an account with the online " bank '' Current ( through XXXX XXXX XXXX ) - they provide me with an online free checking account that I pay XXXX/month to access premium features, including a debit card, direct deposit, bill pay , p2p transfer, and even a nifty feature called SAVINGS PODS. It's not an official savings account. You can't keep more than XXXX in one, and you label them things like Groceries or Vacation and set little savings goals. You can also have purchases rounded up and change put it into one. Anyway, my unemployment has been going into my Current account and I decided to seperate some into the Savings Pod so it would be less tempting to spend. They are advertised as something you can move funds to and from anytime for whatever reason. There's no maturing, there's no only 6 transfers a month allowed or anything like that. So here I put {$500.00} in a savings pod a few weeks ago and I have been trying to transfer it back into my checking account for the last week or so and the app gives me an error saying to contact support. Well I contact support through livechat which is the only way and they all say the same thing : a supervisor will have to review this. Or it's been escalated to management. Every day for the last week I'm reaching out to these people. Live chat, website contact forms, letters in the mail. NOTHING! Nobody can give me any answers and nobody will let me talk to a higher up. Nobody seems to know anything. What I do know is my Current checking account is XXXX and I can't put gas in my car or eat because there's {$500.00} of my own money in some stupid savings pod in their app that they will not let me access nor provide any reasons or explanations. So Every day on chat, support tells me management will fix it and email me. It's been over a week and I've heard nothing. I log into the app and see my negative balance but then I see my savings pod with {$500.00}. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Experian Information Solutions Inc.
State: VA
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a card approval. The account listed below is not mine. I sent in multiple letters that I attached here as proof. I haven't received any feedback about my complaints. I don't understand what is really happening? Your help is so much appreciated. 

XXXX  XXXX XXXX -XXXX XXXXXXXX

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 2019-11-18
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a dispute on a collections account that is over 10 yrs old I dont owe the original creditor and is inaccurate reporting against me. 

Equifax said I used a credit repair company which I did not and refuses to acknowledge my complaint. They have no proof I used any company and I am willing to swear under oath I did not and they have absolved themselves of responsibility to fix the errors Reporting against me. 

My credit has suffered due to this error in reporting and I am concerned at the lack of care on the part of Equifax to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Im having trouble with XXXX  I have 19 Fradulemt hard inquiry that dont belong to me. I have tried to file a dispute with XXXX  about these fradulent inquiry but I never heard any thing back and I want them to be removed. I also see a couple of item that was removed show back up on my credit report and thats not right and I will like those to be removed because those are also fradulent those account are 1. XXXX XXXX 2. XXXX XXXX 3. XXXX  XXXX  XXXX  And XXXX XXXX  was removed and show back up on my credit report Im taking action and my own hand because inaccurate information is on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Since I filed a complaint with CFPB last year I have been retaliated against by Comenity Bank. I had two credit cards three years ago paid in full never late. They closed them because they stated fraud was reported ... not true! Like I said I paid the accounts that I had never late. In fact they stopped reporting that to my creditors and the law states they have to report to credit reporting agencies for 10 years so right there they are currently out of compliance. Any time I would apply after the fact they decide to decline my application stating a bogus response. I believe they have black listed me because of a previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: BARCLAYS BANK DELAWARE
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 was a victim of identity theft, my personal information was stolen and used to open several different accounts. I submitted an FTC affidavit and a report from my local PD disputing these fraudulent accounts. I have not authorized the openings of these accounts and have no information on who opened these accounts. I have submitted several disputes to XXXX   XXXX and TransUnion and they are refusing to remove these fraudulent accounts. I contacted the companies listed on my credit report for these fraudulently opened credit accounts and they could not give me information pertaining to these fraudulent accounts because I was told " my information does not match what is listed in their system. '' But every time I submit a dispute they are sending documentation to XXXX XXXX and TransUnion saying that " I am the verified account holder. '' THESES COMPANIES HAVE ALL SUBMITTED DOCUMENTS INCLUDING A POLICE REPORT AND A FTC AFFIDAVIT. 

ACCT : XXXX XXXX {$210.00} XXXX {$4600.00} XXXX XXXX XXXX   {$10000.00} ( These 2 accounts were removed and purchased by another lender and put back on my report ) XXXX XXXX XXXX {$9700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 acquired a car loan from XXXX in 2016. I requested and was informed that I'd be enrolled in XXXX automatic payment withdrawal program. A few months pass by and I was informed by XXXX that I was late on payments for my vehicle. I informed them that this couldn't be the case since I was enrolled in the automatic payment withdrawal program. They stated that they would take care of the issue and remove any negative information off my credit card report. After many phone calls over the years to XXXX and the credit bureaus, there hasn't been any resolution. This is something that wasn't my fault and I would like a successful resolution to this 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 explanation
Consumer complaint received 2020-10-14
Company: U.S. BANCORP
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I applied to an auto loan today. My bank told me that US Bank submitted derogatory information onto my credit report that has affected my credit score and ability to obtain a loan with an APR that goes along with my outstanding credit history. Bank told me that US Bank charged off {$150.00} ( approximately ). It appears that this was my mothers account. She died in XXXX. Her house sold in XXXX. I received no information from the bank in the form of an email or phone call, although I'd been a customer for approximately 20 years. 

I was on the phone with the bank for over an hour. I believe they are using some kind of program for the XXXX XXXXXXXX as no one there has the ability to utilize a microwave oven, let alone deal with a customer issue. They were absolutely ZERO assistance. 

I am not responsible for this and want is removed immediately!

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 2020-08-02
Company: Adler Wallach & Associates, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please review the attach documentation. 

I am federally protected consumer and I am invoking my specified remedy. I am demanding that AWA Collections remove this allege debt from all consumer reports, XXXX out the balance, apologize, and pay the attached invoice for all violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 XXXX, XXXX amount of {$7700.00}. I have disputed and sent XXXX, XXXX  and TransUnion copy of court document showing that case under XXXX XXXX, XXXX was dismissed and I am to pay nothing. I also sent a 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 2020-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
A collection account was removed from my credit report from XXXX XXXX XXXX. My credit score did not increase at all for the removal of the collection account from my credit report. This should have increased my credit score by at least 23 points.

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 2020-05-30
Company: Rocket Mortgage, LLC
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:
THIS COMPLAINT about Unautorized hard inquires left on my credit by the third party after complaint XXXX XXXX, i have a fraud alert on my credit bureau after figure out someone uses my identity to apply for a credit line, so i submit a claim for all creditors run my credit without authorization XXXX was able to locate the following inquiries in our systems. 
XX/XX/2018, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My original payment amount was {$700.00} dollars. I had called and asked how many days I had to return the money and they had told me 7-10 days to pay off. I paid off the loan within the time frame. I had previously been charged a certain fee. The original loan date was XXXX however I did not get the deposit until the XXXX. ( this information comes in hand later on ). 
I never received a notice, a letter, or an email advising of that pending amount. I am currently unemployed and I do not have the funds to be paying off excessive amounts of money. 
I spoke with a representative today ( XX/XX/XXXX ) and I told her that I wanted my money back. and that I was not aware of what was owed. 
She gave me an email to see if I could get my money back and set up a payment arrangement but she told me that there was nothing further that she could assist me with. That I according to her knew that there was that balance owed. 
She also told me that I had 72 hours from the time the loan was processed to return the loan. How do I return a loan in 72 hours if it took the loan 72 hours for me to receive??? 
I paid off the original amount of the loan which was {$700.00} within the 7 days that they told me. 
They then removed XXXX from my bank in a check form! they do not notify me that I owed something! 

I need a resolution ASAP since I am unemployed and do not have the money to cover this loan. 
With everything that is going on in the world and this whole covid19 and unemployed thing going on, i would think that they would try a little harder to assist us in getting our back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a settlement offer from a collection company in behalf of Kohls and I accepted and paid the debt. The collection company is claiming they cant see that I made the payment I will attached the settlement offer and the receipt showing the acct has been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I set up an AutoPay for my mortgage with XXXX XXXX through my XXXX XXXX XXXX checking account via their website. This AutoPay should of paid the XX/XX/2021 payment. XXXX XXXX did not post this autopayment and subsequently sent to the credit agencies a delinquent payment notice. 

XXXX XXXX sent a late payment notice dated XX/XX/XXXX, which I received on XX/XX/XXXX, and I quickly called XXXX XXXX customer service and spoke to XXXX, ID XXXX. He informed me that XXXX XXXX did not credit my account with the AutoPay for either XX/XX/XXXX or XX/XX/2021 payments. He did not have an explanation why XXXX XXXX did not post the AutoPay since he saw that the AutoPay was set up on XX/XX/XXXX. He did remove the late fee for their error, however. That day I had XXXX XXXXXXXX XXXX make two payments for XXXX and XXXX 's mortgage payments which brought my account current. 

During this period, I have been applying for a new 12 month construction loan with XXXX  XXXX XXXX, Idaho. They informed me that my credit scores have dropped over a 100 points because of this delinquency from when they gave me the initial credit approval to the final mortgage approval, and that the interest rate for the final 30 year loan will have a big hit on interest rate that they can provide. With this news I applied with XXXX XXXX for this construction loan. They declined my mortgage request because of this delinquency. 

I have sent two certified letters to XXXX XXXX Dispute Department, XXXX New Jersey, on XX/XX/XXXX and again on XX/XX/XXXX to dispute this delinquent mortgage payment. I just received their response in the mail on XX/XX/XXXX where they declined my request to withdraw the credit notice to the credit reporting agencies. It took almost 7 weeks for them to respond. I requested a phone call to discuss their error, which they ignored. This error will cost me significant financial harm if not corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
" Portfolio Recovery Associates '' is making multiple daily calls to my residence daily. ( XXXX ) I have spoken them and requested they cease these calls. 

They have ignored my requests. Please help. 

Each time the call is from a different number but the Caller ID is " PORTFOLIORECOV '' Thank you, XXXX XXXX XXXX, PA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Chime Financial Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My account was access, identity was stolen, my personal information was changed, and my money was spent without my permission. I was on the phone with the Chime fraud department while two transactions were processed using my card information at a XXXX XXXX in XXXX, while I live in XXXX. 

I contacted Chime about the issue and they cancelled my account, refused to reimburse me for the money spent from the account, and also flagged my social security stating that Id never be able to do business with them again. 

I would like my money back and an explanation detailing why due to a security breach on their end I am being blacklisted from their services. I have had this account for over 3 years, and the fact that they terminated business with me due to no fault of my own is concerning and a bad business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
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 have been a victim of identity theft. I have asked for these fraudulent accounts be removed from my credit report and it has now been 60 days and these credit bureaus are unresponsive. When you call they say they didnt receive the documents although the certified mail states that they have. I provided the tracking info and was told they would look for it and call back but again no call. I was told it would take another 30 days after they have now had 60 days already to do their job. Att is point I dont know what to 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