BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-07
Company: Total Card, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I supplied Total Visa a letter dated XX/XX/2021 which requested cancellation of my Visa credit card. The annual fee of {$48.00} posted on XX/XX/2021 and the monthly serving fee of {$6.00} should have been eliminated by my cancellation request. XXXX XXXX charge posted on XX/XX/2021 should not have been honored as the cancellation letter is dated XX/XX/2021. Additionally, XXXX did not have the authority to charge {$190.00} to my account. A letter from XXXX admits the charge was not legitimate and reversed this charge from my account. That reversal was made by Total Visa within five to seven days of XX/XX/2021. The remaining charges of a service fee of {$6.00} posted on XX/XX/2021 ; a late fee of {$29.00} on XX/XX/2021 ; and an interest charge of {$4.00} on XX/XX/2021 occurred well after the XX/XX/2021 date of the cancellation letter. This dispute was answered by letter dated XX/XX/2021 from XXXX XXXX XXXX XXXX, servicing bank for Total Visa denying my request to eliminate the {$94.00} charged to my account for the annual fee, servicing fees, late charge and interest charges. These charges were all placed on my credit card by Total Visa. The only phone number that I have for XXXX XXXX XXXX or Total Visa in XXXX XXXX, SD is XXXX. My name is XXXX XXXX at XXXX is XXXX XXXX XXXX # XXXX, XXXX XXXX, MI XXXX. Total Visa credit card # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a problem with synchrony bank, I had a credit limit with one of their companies for, XXXX XXXX dollars, ( Overstock ), Care credit, Walmart, Sams Club On my credit report it shows all payments made on time. Everytime I would make a payment, synchrony bank would decrease my credit limit to exactly what I owed at the time. So until I had this card paid off, it always reflected that I was using my full credit limit. Instead of showing I owed {$1200.00} out of {$4000.00}. It showed I owed {$1200.00} out of {$1200.00}. I have worked very hard to get my credit score up to a decent score, so I can get a mortgage buy a car or do whatever I want because I can. Synchrony has closed accounts that I never even used. Those are all bad marks against my credit. I had a XXXX before synchrony started all this, now I have a XXXX. With 99 % of payments made on time with all my creditors. I don't believe these creditors should have that much control over my credit which is my life line for the future. 
I feel they have violated my rights to be me. I am really frustrated and sick about the whole thing, apparently there is nothing I can do about it and that stinks. The rules on the creditors need to be changed, I don't believe there has been an overview of the way they are allowed to conduct business in years. I don't believe they should be able to intentionally, knowing that if they decrease your credit limit from the original limit and keep you looking like you are maxed on your cards at all times is criminal. According to my credit report I was never late, why would they tell me I was on the phone?, yet they report to the credit bureaus every month and decrease my limit to look maxed out. If my credit report showed like 6 missed payments I could understand. They have ruined my credit rating because of this. 4 different cards

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Under a prior investigation, Citibank reported that they could not accept payment to clear the Sears Card charge off that appears on my credit report. They acknowledge their total lack of customer service and egregious late fees of XXXX presented for a XXXX purchase. 

They merely refuse to assist and are advising me to standby for the negative reporting to evaporate. Please request the negative reporting removed. This account failed due to poor communication and exorbitant Citibank fees. 

Removing the chargeoff in recognition of my XXXX Government service status and otherwise commendable credit history would be a redeeming act for the villainous massive Corporation and would help me in performing a large consolidation putting me a step closer to meeting the financial requirements that my wifes terminal illness represents.

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 2019-06-06
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive written correspondence from collectors. I did not know this account was in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: MRS BPO, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX has shared my social security number, credit report and confidential information there in without my consent to MRS Associates who illegally and without my consent have violated my privacy. 

I am requesting MRS associates and XXXX to remove the false reporting from all three credit agencies and off my credit file as they have not responded to my request in 30 days to prove they have accurate information to receive my confidential information to report to all three credit bureaus. 

I have not signed an agreement with MRS and associates to contact me, nor have my confidential information nor report errors to all three credit bureaus. 

Therefore the reporting is illegal and inaccurate information given to all three credit bureaus as well as my right to privacy and protection has been been violated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Security Credit Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Security credit services has verified a debt unlawfully and they have listed the debt on my credit report. I have emailed the company, and spoke with XXXX one of the supervisors and left many messages with their compliance department to furnish the required documents proving the debt is mine, and they continuously can not and will not give me the copy of any original contract with my signature showing the debt is legitimate, nor have they furnished me any charges that were made and for what, and any payments made to this account showing from the original creditor proving the amount is even correct. They refuse to follow the sate statutes and guidelines, AND companies that illegally run debt practices like Security Credit Services should be regulated and fined appropriately. I dispute this debt with this company and their unlawful actions validating the debt without the mandatory verification procedures. Please move forward with your investigation as i am also contacting a law firm to make a civil lawsuit against Security Credit Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: MIDFIRST BANK
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Midland Mortgage is being difficult and not offering any post covid forbearance help on my FHA loan asking for unecessary documents to delay it, they bought out the mortgage at the time it was going into forbearance from XXXX who was always difficult to deal with. I've asked to be assessed for covid relief after coming out of forbearance only to be treated rudely from them. I've had to get an attorney with XXXX XXXX and will do the same if Midland doesn't respond soon with my loan modification documents, I've called and emailed them including the Vice President. Midland did send me a bill for almost {$30000.00} due the very next day after coming out of covid forbearance XX/XX/XXXX due XX/XX/XXXX in full. I know this Company is bad news and likes to cause people problems after reading similar complaints online at XXXX. I'm requesting my loan documents regarding a modification loan be sent directly ASAP!

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 2020-05-29
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2018-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/XXXX I applied for capital one spark business card and capital one requested more information. I sent over all my information that it requested and my application is still in verification status. Ive been told that it was going to take three weeks and each time that I call I get a different response to whats going on. Ive spoke with several application supervisors and nothing has still been done. I uploaded a Secretary of State Form, along with a personal utility bill ( XX/XX/XXXX ) and my SS card ( XX/XX/XXXX ). On XX/XX/XXXX I faxed over a Utility Bill for the Business, and an Invoice from XXXX. What other info is needed? Im very disappointed this has taken this long and no one has given me an answer. Ive sent over 5 documents for the application and it seems like the team IS working very slowly. Ive requested that an Executive look at my application and tell me what other documents are needed All of the info thats needed has been sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
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:
Bank of America has both admitted fault in the handling of my dispute AND refused to take responsibility of their negligence. I 've spoken with Managing Director XXXX XXXX of the LOB responsible, who was as bold as to argue that they are not responsible for what his Claims associates say on the phone, nor are they responsible for what they do or do n't do as a result of a customer conversation in the Claims process. 

Specifically : *We made a purchase, it turned out to be different than what was described ( with contradictory pre and post transaction descriptions of the product from the merchant himself, i.e. a  slam dunk case ) *BAC took the claim *They denied the claim asking for a second opinion *I called, offered the second opinion, reviewed all other additional information ( see attached ) *BACs representative said the second opinion actually is not required, they would pursue the claim without it *Following BACs direction I called 2 times to verify the claim process was on track, BAC confirmed both times they were waiting to hear back from the merchant *3rd time, BAC rep realized they never actually continued the claim as previously promised, said I 'm out of luck *I escalate *Their Executive Relations team reviews my case, pulls the call where in which the representative promised to move forward without second opinion *ER REP LISTENED TO MY CALL AND OPENLY ADMITTED THE BANKS WRONG DOING ( her name was XXXX ) *ER had the LOB review again, but they denied any further consideration *I asked for the LOB contact information directly ( ER was happy to provide it ) *After a short debate ( first line LOB contact with XXXX XXXX ), the LOB ALSO OPENLY ADMITTED THE BANKS WRONG DOING , but argued they did at one point ask for second opinion, to which I technically did not provide ( because they told me not to, this again happened in the call recording that the ER rep pulled and saved ) *LOB promised to send to their manager, rather I was given back to ER, only for them to say again the LOB will not consider any further *This ER rep and I talk at length ( XXXX ), SHE ALSO OPENLY ADMITTED THE BANKS WRONG DOING, offers escalation *I talk to their " managing director '', he holds ground, refusing to discuss any logical or rational reasoning, just stating repeatedly that they did ask for something and technically I did not provide it ( again, because they said not to ... the MD at least avoided admitting any fault ). 

This ca n't be possible, right? Please see attachments.

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 2023-01-06
Company: Experian Information Solutions 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE 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 non-monetary relief
Consumer complaint received 2018-12-13
Company: MoneyLion Inc.
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/2018 I submitted an revoke authorization for the Automated Clearing House which applied to stopping all debits to my account, including membership fees. On XXXX XXXX the loan was not taken out of my account but the membership fee was still taken from my account after the ACH revoke. I emailed the company and asked for a refund in the amount of XXXX. I received a response stating they can not stop the membership fee as it is an ongoing process. I called customer service to receive a copy of a contract stating membership fees can not be stopped and they were unable to provide one. In my loan agreement there is not in there stating I must continue the membership.

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 2019-11-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Lost my job in late XXXX and I couldn't keep up with the current mortgage. Wells Fargo but me in the forbearance plan and when I found a new job in XX/XX/XXXX, Wells Fargo asked me to repay the entire late total in full. I requested a loan modification several times and Wells Fargo denied me. Wells Fargo is requesting I pay XXXX dollars are my home will be foreclosed on.

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