BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-04
Company: DISCOVER BANK
State: MI
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:
last month i noticed over XXXX on my discover card from XXXX XXXX XXXX, it said it was based in california but it was from XXXX a fraud company, i called my discover card, and they sent me a new card short after, a man called me new years eve, swore me harrased me iterrorgated me like i was a XXXX or something called me every name in the book, i swore him back, and asked to speak to his supervisor and she did the same thing all day long he was calling my house from another number all my caller id said was utah call, he told me, to get a police report so i called the police in ten mintunes a cop came to my house and gave me the police report, i gave them the police report them he would not stop calling i called the police officer back and he stood in my home untill the phone ring, and told this crazy XXXX to stop calling me i know this man he goes to my church he is a good man stop this, the next day i called back, they treated me horriable again, i dont know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: P&B Capital Group, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/22 harassing phone call XX/XX/22 XXXX harassing phone calls XX/XX/22 call to relative asking them to relay a message to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account was charged off. on or before XX/XX/XXXXarranged payment plan to pay down balance without accruing any further interest, beginning on XXXX. In an effort to audit my progress I requested a balance history from Capital One regarding this payment plan. They only allow debt-holders to see how much the payment was and what the current balance IS- that is to say there is no way to look back a the balance at any point in history. 

Capital One is withholding balance information from me, the consumer. 

Image attached below shows scheduled and successful payments, but no balance is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: CITIBANK, N.A.
State: OR
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:
I reported an identify theft that occurred XX/XX/2020 to the police and Citi Visa. Citi Visa has not cooperated in lawful reimbursement for these charges.

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 2019-09-25
Company: MoneyLion Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had a chapter XXXX BK which recently got discharged not to long along. I previously had a Money lion Plus membership, as well as an active investment account with Money lion. Dealing and battling identity theft is draining financially so i go to withdraw my investment money from my Money lion  account, and i was told i couldn't withdraw because of an outstanding debt i had with them. I called money lion to see why i couldn't withdraw my investment funds, and the agent told me i couldn't withdraw because i stilled owed them X amount of dollars.So before i could withdraw, I needed to pay what i owed them. I told him that any alleged debt has been wiped, and they can not collect on a debt that has been discharged in my Bankruptcy, That is illegal and against the law, and that i will be seeking legal action against them for every violation they accur.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I believe the past due balance and last payment are not correct. 
1-TFS Account history document and deficiency document show different numbers, The balance, vehicle sale and all numbers dont much. which numbers are correct? 
Account history document : the Loan balance in XXXX, Vehicle sale {$12000.00}, Past due balance {$3400.00} Deficiency document shows : the Loan balance in XXXX, Vehicle sale {$13000.00}, Past due balance {$3700.00}. 
I am requesting that you send me an explanation of the methods used, and a description of the records reviewed. 
2-XXXX My last payment was for the month XX/XX/XXXXas shows on the account history document also on right side showsXX/XX/XXXX ( 30 DPD ). Refund from Gap insurance isnt a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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: Information belongs to someone else

Complaint:
This information does not relate to any transaction that I have made. I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit 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 non-monetary relief
Consumer complaint received 2019-09-25
Company: PNC Bank N.A.
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: Old information reappears or never goes away

Complaint:
1. I travelled and honestly forgot to pay my PNC BANK FLEX credit card for over 30days and i was reported to the credit bureau which has continually negatively impacted my credit despite the fact that i have since paid off the card and i have consistently paid off all balances until then and afterwards. 
I wrote to the bank but they insisted there was nothing that could be done. 
i am passionately appealing for the removal of this reporting on my credit so as to boost my credit. 

2.I moved from XXXX to XXXX and it took a while for me to return the equipment to XXXX because of the out of state credit they promised. I eventually paid off what i owed them but they had reported me,. I filed a dispute with the credit union and i would like that report taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Central Portfolio Control Inc.
State: AZ
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:
first of all under 15 usc 1681 ( a ) ( 3 ) ( a ) ( b ) ( c ) restriction of sharing medical information and they never had my persmission which is another violation under 15 usc 1681a ( 2 ) I never gave any permision

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been trying to come up with a payment plan that fits my budget. The bank only wants to put me on a payment plan where I am paying {$1000.00} per month ( which I can't afford or an interest only plan. With interest only, I am not paying any on the principal. I will be paying forever. I have asked for a plan where I am paying {$500.00} per month and this is all they are offering 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 2018-01-04
Company: Medical Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the balance in full to XXXX Hospital, XXXX MS I do not owe the {$120.00} and I have asked the debt company many times to contact XXXX where this was paid off and they have told me they would but it still has not been removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Rocket Mortgage, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I spoke with a mortgage banker with Rocket Mortgage/Quicken Loans regarding the purchase agreement I had on a new home. Per his request, I provided address and seller concession 's information, which included a {$3000.00} credit to be provided by the seller at closing to use towards the purchase of a fence. I also provided the actual signed purchase agreement to him via email that day. THIRTY days later, I received a task advising me that I need to provide them with an updated addendum removing the {$3000.00} credit for the fence. When I asked, I was advised that Quicken Loans policy only allows funds at closing to be used towards closing costs or prepaids. This information was not provided to me by the mortgage banker during our text conversation on XX/XX/XXXX, or at any other point in the process until XX/XX/XXXX when a task was provided with no context or information. This information should have been disclosed to me prior to me agreeing to move forward with this company - had I known, I wouldn't have agreed to move my application past the preapproval stage. I have asked Rocket Mortgage/Quicken Loans to correct THEIR mistake - as Underwriting had the purchase agreement for 30 days, as well as received updates to the purchase agreement TWICE before they realized there was something against their policy included. At this point, it is too late for me to use a different mortgage company, as my closing is scheduled within 30 days. RM/QL is telling me that they will not grant an exception when they are the ones that have caused the issue. I have also discovered that I was not provided all options regarding Rate Locking. The lack of information and disclosures provided to me, which has caused me to not have all information needed to make an informed decision is a clear Fair Lending and UDAAP violation. 

RM/QL escalated me, and my escalated contact - XXXX - can not even explain to me what they are attempting to do other than tell me they won't grant an exception and they are working with some people I've never even heard of to try and work it out and advised my processor - who hasn't responded to any questions sent today, XX/XX/XXXX, and who hasn't been able to answer any question I've posed before now, will be able to contact me and explain what is being worked on to figure this out. But he did state that they are unwilling to grant an exception and fix the issue, and so because of lack of information provided to me up front I am going to experience financial harm because they feel the need to be greedy and only allow seller credits that directly pad their own pockets.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: SECURITY FINANCE CORP
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
The company is Security Finance in XXXX XXXX GA. When people such as my sister takes out a loan with them ; they are constantly calling the listed references ; especially if the reference is a relative to leave messages. 

My sister do not live with me and have ask them to stop calling my number constantly to leave messages regarding her debt. 

However, the calls are continuing and aggravating. 

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 2019-09-25
Company: EQUIFAX, INC.
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2019, XXXX alerted me to a new hard inquiry from XXXX on my Equifax report. This hard inquiry was unauthorized/fraudulent as I have never been a XXXX customer, nor have I ever contacted XXXX to inquire about their services or otherwise provide my personal information. 

On XX/XX/2019, I contacted XXXX to notify them of this fraudulent activity, verify that no unauthorized account had been opened under my name, and request that the hard inquiry be removed. I received email confirmation that XXXX would be contacting the credit reporting agency to ensure the hard inquiry would no longer appear on my report within thirty days. 

On XX/XX/2019, I submitted an Identity Theft Report to the Federal Trade Commission, which included the fraudulent XXXX hard inquiry. 

When I did not see that the hard inquiry had been removed after the thirty day window, I submitted a dispute directly with Equifax. On XX/XX/2019, Equifax ruled that the hard inquiry was valid and would remain on my report, despite me explaining that the inquiry was unauthorized and providing copy of XXXX 's email in my dispute documentation. 

On XX/XX/2019, I contacted XXXX again. The customer service agent told me that my first complaint had not been handled properly on their end, and had been closed prematurely. Again, XXXX sent email confirmation that they would be contacting the credit reporting agency to ensure the hard inquiry would no longer appear on my report within thirty days. 

This second thirty day window has passed, and the fraudulent XXXX hard inquiry remains on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX I received a letter from Convergent Outsourcing , Inc. attempting to collect a debt on behalf of XXXX. I only own one account with XXXX that I opened on XX/XX/XXXX and it's always been on autopay and current. When comparing the account on the collection letter and the sole open account I have knowledge of with XXXX did not match. I responded to the collection agency via mail in XXXX after the second letter from the collection agency and after calling XXXX and confirming there were no other accounts open in my name with my Personal Information. I sent a letter to the collection agency bringing that to their attention. They responded back stating that they will continue to collect and that I should contact XXXX instead to resolve my collection. I reached out to XXXX on XX/XX/XXXX and provided them with the account number on the collections letter and they confirmed that my social security did not match the account, the service address was not the same either, and the phone numbers were not the same. Without the collections agency verifying this information, they put the negative remark on my credit report and send the collections letter to my address. Not only jeopardizing my credit but also giving me private information of 3rd parties. I need this investigated.

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 2019-05-03
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A hard inquiry is on my credit report and I did not make it. Ive tried several times to get it removed and nothing has been done ...

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 2019-09-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I noticed on Monday XX/XX/XXXX hat some payments came out and were going to cause my account to overdraft so I made a deposit to cover the amount and leave extra in the account. After the deposit, other items came in the after noon but there still was enough money to cover all the items. When I woke the next day ( Tuesday XX/XX/XXXX ) I checked my account and it showed all items cleared and a positive balance remaining. However, when I went to put gas in my car to go to work my card was declined. I checked my account and had been charged 6 overdraft fees. I called the bank and they said that the deductions had cleared before the deposit, even though all items were shown clearing on the same day. I asked when some of the items were presented to the account and though they admitted they had been presented after the deposit they could not explain why I had received the fees yet still refused to refund them. Pending deductions are immediately taken from the balance of the account but it seems as though the bank doesn't credit deposits in order to cause overdrafts and charge fees. After 6 overdraft fees ( totaling {$210.00} ) my account is overdrawn {$140.00}. When asking for an explanation, all they could tell me was " that is how the system processes ''. If a bank is going to deduct charges from an account immediately they should credit deposits as well, or only fully deduct once things " post ''. It seems predatory to take money immediately but constantly hold deposits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I received my credit report from XXXX and XXXX I was unable to pull equifax. It included the following inaccurate information multiple name spellings, addresses that are incorrect or unknown to me maybe a possible relatives. I also had a bankruptcy that is not reporting correct information or all information that should be in the report is not included in there like old credit accounts that were paid and agreed. the information below needs removed, I have multiple name spellings as well. I will upload a copy of the report for proof below. 
MULTIPLE ACCOUNTS THAT SHOW LATE PAYMENTS AS WELL I WILL HIGHLIGHT THEM I need clarification as to why you are reporting certain information on my credit report : XXXX XXXX -late payments XXXX XXXXXXXX XXXX finance-late payments XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX PL, XXXX XXXX OH XXXX po box XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX BANKRUPTCY SHOULD HAVE BEEN CLOSED XX/XX/2016 IT WAS DISCHARGED YET ITS REPORTING INACCURATE INFORMATION ON THE DATES TO BE REMOVED. 
MULITPLE NAME SPELLINGS MY CORRECT SPELLING OF MY NAME WILL BE INCLUDED IN THE REPORT ITS 13 DIFFERENT WAYS LISTED ON THE REPORT AND MULTIPLE PHONE NUMBERS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Experian Information Solutions Inc.
State: NY
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:
Incorrect information on my credit 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 2022-02-03
Company: Flagstar Bank, N.A.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I received my modification letter yesterday XXXX XXXX, XXXX which was a partial claim modification that was underwritten under guidelines that are no longer valid in view of the new Covid 19 recovery modification guidelines issued as of XX/XX/XXXX. The modification that was offered to me is only a 14 % reduction versus the mandated 25 % reduction required under Covid 19 alm modification for fha loans. In order to achieve the 25 % reduction, mortgagees are required to do a partial claim of the principal if the term extension and rate reduction are insufficient. No partial claim principal reduction was done, despite having an additional {$67000.00} of partial claim funds that could have been applied to reduce the principal and achieve the 25 % reduction. Further, I was supposed to be given 30 days to respond to this letter and was given 12 calendar days, as a response was required by XX/XX/XXXX. I called to inquire abt these discrepancies and was rebuffed and told that this was my only option for loan modification, given no explanation as to why the correct modification guidelines were not followed or employed, and told basically to sign the papers and return them by XX/XX/XXXX or foreclosure proceedings will be initiated. I called again to speak to someone else who then told me that my principal should actually be higher than my original principal that had been owed, and that the {$300.00} savings that they are offering me is sufficient. It is clear that because this loan modification program is not incentivized, that mortgagees will lose out on interest that will result from partial claims on principal balances, because it will reduce the balance on which interest is calculated and accrued, and therefore they are not reducing the principal balance as required, and are forcing the consumer to pay additional interest that under law should be placed under the partial claim loan, which is zero interest. This is misleading and is fraudulent. The {$67000.00} should be applied to the principal balance to achieve the 25 % reduction in principal and interest

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