BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-26
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 status incorrect

Complaint:
I have a credit card with XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX   reporting me 30 days late on XX/XX/2018. There was an error on their part. I was never late.

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 2018-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX the first credit card account was opened and on XX/XX/XXXX the second credit card account was opened. I had 2 credit cards with XXXX XXXX XXXX XXXX and the XX/XX/XXXX account was closed with {$1800.00} owed and XX/XX/XXXX account was closed with {$1900.00} owed. The actions the company took was to close these accounts as charge off 's. I understand that I owed the amounts and during the time I was going through hard times and did not have any income to pay for these accounts. I did try to work with the company and they are indeed a great company, but I could not hold my end of the deal to make payments due to my situation. I am now trying to repair and build up my credit so I am able to have a chance to earn lines of credit in the future in society to help me establish and build my own business. It requires me to clean up my credit, so I am wanting to ask the company to remove my closed accounts from my credit report completely so I am able to move forward. Hope you will consider this as it will be very helpful in my endeavor. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: CITIBANK, N.A.
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 or about XX/XX/2020 I submitted a number of disputes on my Citi Credit Card ending XXXX totaling roughly {$87.00}. 

The transactions in question are transactions made by merchants which I have legitimate transactions with, XXXX and XXXX ( an XXXX company ). However, I began to notice some transactions that did not appear to match my purchase history with XXXX and XXXX going back over the two months prior and I suspect was occurring even further back. I submitted the disputes using their digital channel and received a request for contact roughly a week later to confirm I had the card in my possession which I confirmed over the phone. I also advised the person I was speaking to at the time that strangely I had been in contact with XXXX about another transaction that they already refunded me for and had advised me that there was an XXXX XXXX account my card was attached to. I believe perhaps this other XXXX XXXX account is where those fraudulent charges originated. 

A few days after that phone conversation I receive a letter from Citi indicating my dispute is closed due the use of my XXXX chip at a chip enabled card reader. Well, that isn't possible. The transactions I disputed as fraud were all online transactions therefore no chip reader possible. 

I attempted to resolve this issue today, XX/XX/2020 by calling Citi multiple times with no avail. Each time I spoke to someone they repeat what is on the letter even though I have explained multiple times that the transactions could not possibly be made at a chip reader and that whomever processed my fraud investigation did so incorrectly. Every time I called, I got disconnected. EVERY SINGLE TIME. Even asking to speak to a supervisor I got disconnected. After 3 attempts at phone contact and wasting 1.5 hours trying to get this resolved I gave up and am submitting this complaint. 

Citi makes it very difficult to reach them and have a conversation about a situation like this or to escalate to their management team. All I want is my fraud dispute to be handled correctly and my money returned.

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 2018-04-11
Company: Early Warning Services, LLC
State: GA
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:
EARLY WARNING DISPUTE Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, Georgia XXXX D.O.B : SSN : Driver Lic XXXX Consumer ID : XXXX 1. Disagree with reporting of XXXX XXXX  ( Ref #  XXXX ) principal loss amount of {$1000.00} the funds were held for verification for a fixed period of time by the bank until collected from deposits. The original amount of principal loss is incorrect and I am requesting removal of this account until validation is met under the federal guidelines and forwarded to me by way of statutory mail, please send detail documents of stated amount 2.  Disagree with reporting of XXXX XXXX  ( Ref # XXXX ) principal loss amount of {$360.00}. This account was closed by myself consumer because of funds delayed for extreme periods of time. No balance was owed for this account. Bank charges are said to be closing charges. Please have bank provide closing charges disclosures that read {$360.00} is required to close an account. Please remove this account until I receive debt validation by way of statutory mail and allow 30 days to dispute. Please send detail document of stated amount 3. Disagree with the reporting of XXXX XXXX XXXX XXXX ( XXXX ). I have reached out to XXXX XXXX XXXX XXXX several times and no one has been able to provide validation of the debt amount ( {$3300.00} ). I have reached out to XXXX XXXX XXXX attorney at law 3rd party to Delta XXXX XXXX XXXX and requested debt validation for the amount of {$3300.00} and received a certified letter stating I owe this amount with no proof attached or documents to support amount. Please remove this reporting until all statues has been validated under the FCRA mandates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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 status incorrect

Complaint:
I have a credit card with XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX  with no successful resolution. XXXXXXXX XXXX, and TransUnion reporting me 30 days late on XX/XX/2018. There was an error on their part. I was never late.

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: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number has been calling me no less than 7-10 times PER DAY for WEEKS on end, including early mornings, weekends, and national holidays!! From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it called my personal cell phone OVER 25 TIMES, starting at XXXX and continuing well into the evening. 

When it connects to my voicemail, the message left is always blank air. Usually, they dont even leave a message. This incoming number displays as XXXX XXXX ( or SPAM RISK, depending on which of my app filters it ) on my caller ID logs and on my apps that filter out SPAM and Robocalls. This number is one for Synchrony Bank and is used for collecting past due payments for PayPal Credit. 

I have a PayPal credit account, but my account is active and NOT PAST DUE!!! Ive spoken to PayPal credit and Synchrony Bank about this erroneous, DAILY HARASSMENT, and even after allegedly stopping the calls on their end and deleting my phone number from my account, I AM STILL RECEIVING DAILY CALLS!!!! 

This number needs reported to the FTC by EVERYONE who is being harassed by them ; people need to do so immediately. This constant calling is well-past harassment, is illegal, and they should be served with a class action lawsuit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I was contact from key bank about fraud on my card. I called the costumer service and was transferred to a number with a case number XXXX. I gave my information to resolve the issue. When I tried to order a new card the phone hung up and the voicemail message that was left disappeared. I cant get in touch with key bank. I took a picture of the XXXX number and searched with turned out to be a robo scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Account was closed then did not get any notification that it was reopened and destroyed my credit in the same day I found out.

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 2017-09-22
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I reached out to the company via phone on XXXX/2017 attempting to get an explanation of the security breach. After waiting a total o 1 hour and 17 minutes, the non English speaking ( XXXX ) agent refused to answer my questions regarding the breach and hung up on me. 

I called back and waited another hour and when I got someone on the line asked to speak with someone who is in the United States, I waited again for 46 minutes and finally got XXXX on the phone who gave me scripted information about a protection plan through the same company that was breached. After explaining the terms I disagreed with the arbitration agreement. He said that there was nothing I could do and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: NM
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:
I have been a XXXX customer since XXXX. In XX/XX/XXXX I opened a new credit card account. when I realized the membership fee was {$450.00} I called the company within 6 weeks to cancel the card and to get a reimbursement of {$450.00}. I was told this would be done promptly. I then continued to get statements from the bank. I then called again in XXXX. I was put on hold numerous times, and eventually disconnected after being told that I had never called a few earlier, even though I had. The person I spoke to told me it was " too late '' to get a reimbursement of the fee. Eventually I called back a few months later and convinced a supervisor to fully refund the membership fee and close the account. In the meantime, and unknown to me, the bank reported two payments ( XXXX and XXXX ) late. Had the membership fee been properly reimbursed when originally requested, I would not have been reported to credit bureaus as being 30 days late. This has adversely affected my credit score : I have had NO delinquencies over 30+ years and had a credit score well above 800 however now it is around 760. The bottom line is that the bank put roadblocks in my attempt to secure a reimbursement of my membership fee and to close my account. I don't know if this is a systemic issue or not so that consumers can not close accounts and get reimbursed but I spent countless hours trying to accomplish a simple task : to close a credit card account and to secure a reimbursement of a membership fee. Not only was I stymied, but now my credit score has been impacted.

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: EQUIFAX, INC.
State: SC
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:
Hello I opened an auto loan account XX/XX/XXXX my remaining balance was XXXX of XX/XX/XXXX of which I paid off early with good standing but equifax has my account listed as account closed and doesnt Appear on my report as a paid off loan its like my account never Existed whats the point of reporting things to the Credit bureau if its going to be this way that was my first account to establish my credit something has to be done about this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: General Motors Financial Company, Inc.
State: MT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have some late fees, that I'm well aware of, and am paying extra back on each monthly payment to catch up. 
GM Financial is the company, and they call EVERY DAY/ALL DAY to remind me that I owe them money, regardless of how many times I told them what days/times I work. 
I have clocked off of work so many times to answer their call to tell them that I am at work - when I'm off - and to call me then. 
However, since they call EVERY DAY, all hours, I decided to stop answering their calls and just maintain my account through the online service, as I was before any debt occured. 
I just want them to STOP calling. I know I owe money, hence why I'm paying extra every month, sometimes TWICE a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have reached out to bridgecrest 3 times about hardship due to the global pandemic. They emailed me telling me they will not help me and continue to harass me ( today they called me 17 times back to back ). 

At this point I am feeling threatened and scared to answer my own phone. I have told them my situation via phone and email. There is no need to call me almost 20 times a day ( from 7 different numbers ). We are in a global pandemic, I dont need this additional stress!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The account is Syncb/XXXX XXXX, the primary account holder filed bankruptcy and i was never notified about this account never owned an XXXX XXXX card or account and i have never bought any furniture 's from them. when i call them and given my information they have no record of me, they keep switching me to different departments. this account shows closed/derogatory/revolving on my XXXX credit report. i disputed this account on XXXX  and XXXX and has been removed from my account. i have disputed this account thru XXXX and nothing has been done. all i need is help am trying to by a home and this one account is not helping at all, it shows as closed but is still impacting my credit i would like to get it removed completely. so far no one has been able to answer my questions or even help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE 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:
I previously filed a complaint on the fact that i did not recognize accounts and inquiries on my credit report. I have asked that the company investigate and furnish me with how they investigated and through whom, i still have not recieved a response.

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 2020-07-19
Company: BBVA FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My debit card with BBVA Compass Bank is being unlawfully monitored for political and/or XXXX purposes. They block my purchases and prevent me from spending within the daily limits. My purchases are being blocked since XX/XX/2020. The FBI may be involved in the unlawful campaign to monitor how I spend the proceeds from the sale of my home in Colorado.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
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 have 2 collections of my Experian credit report from XXXX XXXX XXXX. I have disputed this account with them and the collection company because the accounts arent mine and are fraud. Ive also sent Experian an official copy of a police report and my lease. Yet, they refuse to delete the account or even allow me to file another dispute with them. Their representative rudely told me that Ive disputed the accounts several times and the agency verified it as accurate so they wont allow another dispute. I told her that Ive sent police reports documenting the fraud and my lease showing my address since XXXX as the same address, and not the address as on the collection from XXXX. She again stated that the accounts would remain on my credit file. Ive asked the collection agency for debt validation in XXXX and XX/XX/XXXX and they have sent nothing. Ive also told them the accounts stem from fraud. They deleted the accounts from XXXX  and XXXX, but somehow forgot Experian. So I asked them to follow suit and delete from Experian. They told me to file a dispute with Experian and when they receive it, they will notify them of deletion. However, Experian refuse to allow me my basic right, to dispute inaccurate information on my file. They act as if they benefit from my credit report being wrong. Ive hired a credit attorney recently and Im at my last resort by contacting CFPB and Federal Trade Commission to assist me in getting my right to dispute inaccuracies as many times as necessary until corrected and deleted from my file. Please assist.

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: WELLS FARGO & COMPANY
State: SD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Was closing on a home with Wells Fargo, witch took them 1 month and 3 weeks, 4 days before I closed got a phone call saying the loan failed and Id have to find another lender, I went to XXXX XXXX thy had me in the home in 3 weeks, just heard from Wells Fargo for the 3rd time, they only want to give me half my money back the loan did not go thru to no fault of my own, I will never do business with them again, I just want my money back. approximately {$700.00} dollars. My contact person with wells fargo is XXXX XXXX XXXX XXXX XXXX ex XXXX XXXX and trust me I am screaming at the TOP OF MY LUNGS to anyone who will listen to what a horrible experience I had withwells fargo. i have some documentation but will have to mail them.

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 2019-02-26
Company: Dovenmuehle Mortgage, Inc.
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XX/XX/2012. I have had nothing but hassles since that time. 
My husband is a XXXX XXXX and I applied for mortgage modification and nothing became of that except letters threatening foreclosure. They have often stated that they never received payments resulting in my having to cancel checks and late fees and more foreclosure letters. 
I have been sending my payments ( money orders ), certified/return receipt, directly to the HUD office. Then, I get another letter last week, another foreclosure letter stating that it was because of unpaid late fees. I can not control when the HUD office posts my payments. I should not have late fees. 
They have left notices on my door, taken pictures of my home and vehicles. I find this to be harassment. I would like to find another mortgage company, however, they have ruined my credit. I thought that these companies were supposed to help people stay in their homes, not threaten to take them away.

Company response to consumer: Closed with explanation