BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-24
Company: Bridgecrest Acceptance Corporation
State: FL
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:
This complaint is against Bridgecrest. They sent in a 30 day late payment against me to the Credit Bureaus and said I was late by {$23.00}. I asked them to remove this because I have worked hard on my credit and I make sure I am never late. How am I late by {$23.00}? The young lady said she could not help. Bridgecrest has lied because I am never late with my bills. I refinanced my house and paid them off because they are not a fair company. I would like to have the late payment removed.

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 2022-07-20
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was attempting to send money to a recipient misspelled one letter in their name and the money went to another person. It was XXXX separate transactions.. The date was XX/XX/2022 and I caught the mistake in less that 15 minutes. XXXX transaction was XXXX and the other one was XXXX They would not refunded me anything because I am the one that made the mistake which is not right. Anybody can make a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Using the Capital One website, my credit card that I have been using for years was closed by mistake. I immediately called Capital One to correct the issue and reopen the account. The customer service rep stated that this would not be an issue, and forwarded the issue to the team that investigates these issues. Soon after, I got a reply that they would not reopen the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Asked them to validate the debt, they only sent copies of a bill claiming its mines but it's not! They're not sending me of what I've asked, which is signed documents by me. They still cant/dont have proof its mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2019, I opened a checking account on Fifth Third Bank using a promotion code I received from the bank on my email. 

This account was opened in the branch located at XXXX XXXX XXXX, XXXX IL  XXXX. 

The personal banker that assisted my was XXXX XXXX. 

The promo code I used has the following description : " {$250.00} Cash Bonus Offer : To qualify for the {$250.00} checking bonus, provide the offer code, open a new Fifth Third Essential, Enhanced, Preferred, Free ( GA and select markets in IN, KY ) and Free Checking plus Extra TimeSM ( FL only ) checking account by XX/XX/19, reach a {$500.00} balance within 45 days, and maintain {$500.00} as a minimum daily balance thereafter for 60 days. '' I provided this code to the personal banker that opened my account. 

On XX/XX/2019, I reached a balance of more than {$500.00}, which is one of the requirements for the promo code. Also, I maintained a balance of more than {$500.00} for the 60 following days.

According to the mail I received from the bank, I should have received the bonus by now.

I have called the consumer support team of my bank, but they havent been able to solve my complaint. I have also tried calling directly to the branch where I opened my account as well as the personal banker that assisted me to open the account, but haven't got any answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-02
Company: WELLS FARGO & COMPANY
State: UT
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:
Wells Fargo Card Services # XXXX is reporting an account to my credit that is past the Statute of Limitations in California. I no longer legally owe this debt and I need it removed off of 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 2022-09-07
Company: SYNCHRONY FINANCIAL
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:
SYNCB/AMERICAN EAGLE has been on my credit report since XXXX XXXX. 
Closed, never late and paid in full. 
Have attempted to have it removed several times, it keeps showing on my 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 2022-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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:
We only have a {$3000.00} credit limit despite having a credit score of XXXX. We hit our limit and so I paid the balance of {$2800.00} on XX/XX/2022. The payment cleared my bank on XX/XX/2022. On my Capital One online account it shows that the payment was been made but they are only showing we have available credit of {$5.00}. I contacted them and was told that my full credit limit will not be released until XX/XX/2022. 

This is UNACCEPTABLE and no other credit card company does this. We were NOT delinquent in any way. We believe this is fraudulent and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: NCB Management Services Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
For the past XXXX or so years now I had to repeatedly tell this company to stop calling my number, I told them many times that this is the wrong number and clearly they kept calling, until I told them I would report this company if they kept calling. Since then they havent called since but the they did try to collect on exempted funds previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX {$260.00} 02/17/2022 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone tried to use my SSN to open an account with Bank of America. I caught it in time and the declined the application. Apparently Bank of America is recieving a lot of these complaints.

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 2018-11-28
Company: Experian Information Solutions Inc.
State: KY
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 as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2021-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX has agreed to a settlement worth {>= $1,000,000} benefiting consumers who received notices from XXXX that failed to comply with state requirements. 

Two Classes have been established : Nationwide Class : Anyone who was named as a borrower, co-borrower, obligor, co-obligor, buyer, co-buyer, purchaser, co-purchaser, guarantor, owner, or co-owner in a Covered Contract, whose Covered Contract was secured by Collateral, whose Collateral was repossessed voluntarily or involuntarily and whose Collateral was disposed of during the Class Period. 
Missouri Class : Anyone who obtained a Missouri Certificate of Title from a motor vehicle identifying XXXX XXXX  as the lienholder as a result of entering into a Covered Contract, or who was named as a borrower, co-borrower, obligor, co-obligor, buyer, co-buyer, purchaser, co-purchaser, guarantor, owner, or co-owner with a Missouri address in a Covered Contract, whose Covered Contract was secured by Collateral, whose Collateral was repossessed voluntarily or involuntarily and whose Collateral was disposed of during the Class Period. 

XXXX also has agreed to no longer seek collection on a portion of any deficiency balance reflected as outstanding in XXXX records after XXXX repossessed and sold the property. 

The value of this benefit, called the Gross Deficiency Waiver Amount, will be at least {$700.00} XXXX. The amount of the waiver will vary for each Class Member, but it will be the amount of their deficiency balance or {$1300.00}, whichever is lower. 


ALERRRRRTTTTTTTTT!!!!!!! 
In addition, XXXX XXXX has agreed to stop occurring finance and late charges on Class Members deficiency balances as of the settlements effective date, and will request that XXXX, XXXX, and TransUnion delete trade-line information on Class Members credit reports that is related to their XXXX  account that is subject to this settlement. 

FOR MORE INFORMATION VISIT THE WEBSITES : 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 2023-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 received a Bank of America XXXX Alaska XXXX credit card that I took into the XXXX XXXX XXXX, XXXX, Florida branch office. I explained to them that I did not to my knowledge of knowing apply for this card. Especially not one regarding Alaska because I am not a fan of severely cold weather. They saw that the card had not been used and I asked that the account be closed. I think this starting back in XXXX of XXXX. In XXXX of XXXX, I received a Plan statement stating that I had a fee charge of {$75.00}. I went back into the local XXXX XXXX XXXX XXXX, Florida branch and explained that to my knowledge of knowing I did not apply for this credit card as well as requested that this account be closed. I was informed that I may be responsible to pay the {$75.00} dollars if it was determined that I applied for the card. I decided to pay the {$75.00} dollars ( XXXX ) to avoid any derogatory information affecting my credit. I made that payment in their office. Then, I was put in touch with the Fraud Department. First, I spoke with someone name XXXX at XXXX. Then transferred I was transferred to someone name XXXX who was a rep with the fraud unit. He said that this card was applied for from my email address. I honestly do not recall applying for this card. I do travel when I can but Alaska is not a place I would attempt to go to let along get a credit card. I explained as well as the bank could see that no charges had been placed on the card simply because I try my best not to use credit cards. Additionally, I had asked them to close the card, I believe twice. The fraud department said that they would investigate this and. After checking my credit recently, I discovered that this account is still opened. Plus on XX/XX/XXXX I received another statement saying that my anniversary in XXXX is coming up and I will need to pay not XXXX dollars this time but {$95.00} dollars annual fee. I asked Bank of America several times to close this account in person and serval times by phone. To this date which is about a year if not longer and the account is not closed. This seems like a scam to me. How many other people are they ripping off like this? Please help me get Bank of America to close this account. They are causing my credit rating to decline. I value my credit. If you check my credit history, you will see that I do not have any credit cards. 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 2021-09-24
Company: Bread Financial Holdings, Inc.
State: GA
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:
You have included information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received business funds for my business in my personal account and Capital one decided to end the business relationship and return those funds to whom they were sent from. They were unable so they sent them to the IL state XXXX, which I complied with. After that was done a remaining balance of {$250.00} was left in my account, it has been over XXXX and i have yet to hear back from anyone in regards to the matter. Each time I call Im given run arounds that never resolve my issue! Today I was told they have no time limit on an investigation but theyve already decided to terminate relationship so how is there still an ongoing investigation? Funds were already sent to the state, SO HOW IS THERE AN INVESTIGATION? Theyve stated the account isnt closed but I have no access to my money, I can still log into the account and view it, I am also still receiving bank statements as if the account is still open! CAPITAL ONE IS MAKING MONEY DAILY FROM MY FUNDS AND ITS BEEN OVER XXXX YEARS! The relation was terminated XX/XX/XXXX XXXX. The account is still open as of XX/XX/2023. Thats over XXXX, WHO INVESTIGATES THAT LONG ON AN ACCOUNT THAT HAS BEEN TERMINATED ALREADY? I call b.s and this is stealing! I was able to login until I called them today XX/XX/2023, now its saying its blocked for too many login attempts when thats a lie. Ive attached the pic of them saying such thing!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-09
Company: MARINER FINANCE, LLC
State: IN
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:
Six months ago, I noticed Mariner Finance on my credit report and knew I had never done business with them. I did do business with Personal Finance who was acquired by Mariner Finance and the loan that I had with Personal Finance I had a perfect payment record and was closed and paid off in XXXX of 2014, which is also reflected on my credit report. I called Mariner Finance and was told the loan was too old and they could not access any information on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Phone call says his name is XXXX does not give me last name asays I owe a debt from XXXX that I paid on he says for nine years then stopped in XXXX Refuses to tell me what the debt is for except the name of some bank I have never heard of HSBC gives me a phone # which I called its a Nevada phone # i have never lived in Nevada or heard of this bank XXXX ( XXXX ) XXXX When i call they answer XXXX XXXX XXXX but I look up this law firm and its different phone # in Nevada and not a debt collector? 
This XXXX on phone Threatens to sue me and garnish 25 % of my wages. 
I have never heard of this bank and I am so concerned and confused please help me He faxed me a paper wanted me set up payment plan without allowing me to know how I obtained this debt. He has my employers information. 
I'm really worried cause I can't understand what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: JPMORGAN CHASE & CO.
State: FL
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 recently viewed my credit reports and noticed an account that I did not recognize. It was a credit card reported from JP Morgan-Chase account number XXXX in XX/XX/XXXX that was showing as a charge-off. I reviewed this account and noticed that the payment history between the bureaus did not match and delinquency dates did not match, further showing the erroneous nature of this account. I disputed this account, but it kept coming back as " verified '' from the bureaus. The bureaus did not provide an original instrument of indebtedness, such as a signed contract or original signed application, that would be required in order to verify this account in accordance with the FCRA. So, I decided to contact JP Morgan-Chase directly in order to see how they were verifying this account. They received my letter on XX/XX/XXXX and, according to the Fair Credit Reporting Act, they have 30 days to verify the account. If the company can not produce the proper documents within that time frame, they MUST delete the account from the 3 bureaus immediately. It has been well over 30 days and JP Morgan-Chase has not sent me any documentation. They are therefore in violation of the FCRA and I want them to comply with the law by deleting this account from my 3 credit reports immediately. If they do not comply with the law, I intend litigate. I have attached supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed Chapter XXXX bankruptcy and I have recently come out of it as of XXXX/XXXX/2016. While I was in the Chapter XXXX my mortgage company was GMAC. Since I have been out of my bankruptcy I have yet to receive any documentation from GMAC in regards to how to make my payment or who I should make it to. Right after I was out of my bankruptcy I went to refinance my mortgage. This is when I found out that my mortgage is no longer with GMAC, but it is with Ocwen. I have contacted Ocwen to find out when my next mortgage payment is due, but they are telling me that I am in an active Chapter XXXX ( which ended XXXX/XXXX/2016 ) and my payment is due XXXX/XXXX/2016. They are also telling me that they will not have any additional information until the Chapter XXXX payments have been processed and they ca n't tell me when this will occur. Furthermore they are telling me once it is resolved and they find out I am 30 days or more late, they are going to report to the credit bureau. This is not making sense to me since they are telling me that my payment is due XXXX XXXX, 2016 and they do not have any other date on file and if I go 30 days late this will hurt the mortgage process I am currently in.

Company response to consumer: Closed with explanation