BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: Crow Creek Sioux Tribe
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Took a loan out for {$1000.00}. Made six payments of {$260.00}. Called today XXXX to pay the loan off and was told the pay off amount was {$1100.00} because of interest. What interest I'm paying off the principal. I fear they will continue to charge and try to bleed money out of me and others if not stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was noticed that a new checking account was opened with the bank I currently use. I received a new debit card in the mail, to my current address, but not the address that I have on my account. I spoke with my bank and reported the fraud, but I am now unsure how they have obtained my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 
The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX  ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXX - XXXX XXXX XXXX # : XXXX I also sent these companies certified mail in dispute and they do seem to take care of this notice. Below is attachments of the certified stamps, consumer report, ID, XXXX, Bank statement. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: AES/PHEAA
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have several inaccuracies on my credit report. Including closed accounts reporting that I was delinquent in payment and others saying that I owe them money from years ago : - XXXX XXXX XXXX XXXX ( Closed ) I don't know what the heck is going on. I have no knowledge of these accounts, someone must have opened them using by falsifying my identity. 

I've called and tried to resolve the issue but I have had no luck. They just want me to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: CITIBANK, N.A.
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:
Citibank Decreased my limit by over {$2100.00} and has caused my card to be maxed out and thus causing my credit score to drop a lot. 
I have never missed a payment. I have never been late on a payment. In fact my payments are usually higher than the minimum due. 
My credit score will take 3 or mores years to repair from this. what can I do about this

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 2020-06-01
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: Information belongs to someone else

Complaint:
I applied for a XXXX XXXX credit card today XX/XX/20 and I was not approved because apparently there are several accounts in negative standing appearing on my credit report. I was confused because none of my accounts have ever been in bad standing. I looked through my credit report and i saw six accounts that I never opened. The accounts are from these companies. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX/XXXX   XXXX  and XXXX XXXX. I do not have any written/verbal contract with any of these companies nor did I ever allow them to run or access my credit. I did not benefit anything form 4these accounts being opened in my name such as money, goods, services or any other benefit nor did I ever make any payment towards these accounts.

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 2020-04-09
Company: Experian Information Solutions Inc.
State: WI
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:
Ive sent identity theft affidavit to all 3 bureaus XXXX  XXXX  Experian and dispute letters and police reports stating account is not mines. XXXX  and XXXX  has deleted but Experian ignoring.

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 2023-05-12
Company: Mortgage Research Center, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Refused to provide loan estimate after providing minimum required information : Name Income Social Security number ( so the lender can pull a credit report ) Property address Estimate of the value of the property Desired loan amount Lender insisted I must provide a full signed executed purchase contract ( an offer on a home ) before they would provide an estimate. No one in their right mind should ever commit to a large purchase ( in this case {$700000.00} ), especially one which requires putting down thousands of dollars in non-refundable earnest money before knowing how much it's going to cost them. 

Lender attempted to deceive with inaccurate and incorrect reasoning as to why this was required, stating it could not be provided because it would not be accurate with too many unknown variables. Insisted every other lender that did provide me with an estimate based on the above information was themselves deceiving me with lowball estimates that are not real, and that they are the ones that should be trusted instead. 

Stay away from XXXX XXXX, XXXX XXXX ID # 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 2020-07-10
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2019 I was injured on the job with the USPS XXXX Ohio branch. I was sent to university hospitals XXXX XXXX XXXX in XXXX for evaluation by said employer. I have a debt On my credit report for {$230.00} that i have disputed 4 times with equifax. Each time I dispute the response is that first federal credit control has verified the debt is mine. All bills for this injury are the responsibility of the USPS. I called first federal credit control today to request verification or a copy of the debt and was told to contact the hospital because their company has a large file and doesn't have that information orthe information to contact the original creditor. Acct # XXXX with university hospitals and the file number with first federal credit control is XXXX. CONTACT INFO for first federal credit control is : First federal credit control XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX Original creditor University hospitals urgent care Acct # XXXX Billing dept Attn : XXXX Pob XXXX XXXX ME XXXX My social security # is XXXX XXXX XXXX however my birthdate is incorrect in the file as XXXX and my birthdate is XXXX. 

I called university hospitals and they would not change the billing I, information for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, 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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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: Account information incorrect

Complaint:
These items are not transactions conducted by me as a consumer. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 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 a 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 to any 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 non-monetary relief
Consumer complaint received 2018-08-25
Company: EQUIFAX, INC.
State: MO
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:
Equifax is falsely reporting inquiries that shouldnt be on my credit report. My inquiries were removed and then reinserted without a 5 day notice given to me ( Which is a FCRA Violation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ
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 disputed a transaction with merchant XXXX XXXX XXXX in the amount of {$160.00} with FNBO due to flight cancellation. ( As described attached ). 

Initially, FNBO claimed that the charge was too old and at a later stage, that since I have already paid for it, I had no dispute rights. 

The card issuer is essentially providing contradictory reasons for not wanting to help me dispute a charge for a service I did not receive. Once again, I suspect discriminatory treatment by this financial institution.

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 2020-09-10
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:
XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$130.00} on the XXXX XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and needs to be removed from my credit report. I have attached a copy of the letter from XXXX XXXX XXXX dated XXXX for reference. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I  have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Lowes/Synchrony Bank So I paid {$100.00} to Lowes at the store  on XXXX XX/XX/XXXX and {$50.00} on XXXX XX/XX/XXXX and received a notice that i was past due on a {$71.00} amount due and they included a late fee saying I owed XXXX. I paid the {$110.00} today XXXX XX/XX/XXXX, but this isn't the first time synchrony bank played funny numbers on payments. I feel that even when you are paying your bill with synchrony they are actively looking to try and charge you more.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-17
Company: Chime Financial Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited a Mobile deposit check, it was a Massachusetts Unemployment check. 3 months later they deducted the funds from my account and would not give an explanation, or do investigation. Bank claims that check was cashed after deposit. I destroyed the check myself so that couldn't be possible. Here is a copy of email I  was sent on Wed, XX/XX/2019, XXXX XXXX. 


Hi XXXX, Were sorry to inform you that your check deposit of {$340.00} initially accepted on XX/XX/2019 h

as been returned. Weve received notice from the Federal Reserve that the bank upon which the check was drawn is refusing to honor the check. The reason for their decision : PAID - Duplicate The deposit of {$340.00} will be reversed from your Spending Account as a result of this decision from the bank upon which the check was drawn. In addition to this notice, you will receive a letter in the mail in 7-10 business days regarding this return. If you have any questions, reach out to us by tapping the chat icon in your Chime app. Thank you, The Chime Team Thank you for you help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to Select Portfolio Servicing Inc, XX/XX/2023. First payment XX/XX/2023. After speaking to a representative, they stated payment through their website ( XXXX - XXXX ) would result in a {$5.00} transaction fee and ( XXXX ) transaction fee of {$15.00}. Also, there is a fee to make payments over the phone with and without a representative. These fees are excessive for making payments to your account. Please review their policy and advise. Are these fees for payment to your account legal? 

Thanks,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX Last Payment : XX/XX/XXXX Balance : {$1400.00} Original Creditor : XXXX XXXX It was placed for collection and I did not receive any letters from the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX - they are reporting under two names with incorrect information on my Transunion, XXXX & XXXX report. I have tried to call on several attempts and get a pre recorded message stating my account is being handled by someone else. XXXX XXXX XXXX  is reporting my payment is has never been late or behind with a reporting balance of {$540.00} on my XXXX report and on my Transunion report I see a company by the name of XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX - reporting balance {$820.00}. I have made several attempts to getting this issue resolved by both credit reporting agencies and the company reporting the incorrect information i have recently again disputed the information on XXXX XXXX & TransUnion received my request onXX/XX/2018 my current file number : 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 2018-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion is falsely reporting inquiries that shouldnt be on my credit report. My inquiries were removed and then reinserted without a 5 day notice given to me ( Which is a FCRA Violation ).

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 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
XXXX XXXX and XXXX XXXX are the same account and are not suppose to be on my report and its the same account but on the report 2 times ... That is illegal and is causing damage to my score. The accounts need to be removed. has been removed from My credit report From XXXX after it found the account was not mines. XXXX XXXX XXXX has been removed from My credit report From XXXX after it found the account was not mines.XXXX XXXX XXXX has been removed from My credit report From XXXX after it found the account was not mines.XXXX XXXX  credit cards has been removed from My credit report From XXXX after it found the account was not mines.both cards XXXX and XXXX XXXX XXXX has been removed from My credit report From XXXX after it found the account was not mines. XXXX XXXX XXXX has been removed from My credit report From XXXX after it found the account was not mines. XXXX XXXX inquire has been removed from My credit report From XXXX after it found the account was not mines. 

XXXX inquire has been removed from My credit report From XXXX after it found the account was not mines. 

regions inquire has been removed from My credit report From XXXX after it found the account was not mines. 

XXXX XXXX XXXX has been removed from My credit report From XXXX after it found the account was not mines.

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 2020-06-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initiated a bank to bank transfer of {$1000.00} dollars. Both banks in XXXX and linked and verified. When I transferred from XXXX to HSBC, the transfer is instant. I initiated a transfer on the XXXX from HSBC to my chase account. While it was very surprising that the funds will be available to me XX/XX/XXXX ( 5 days! ) ... the funds are not available and the transaction is still pending while the funds were taken from my account instantly. I rely on this money to pay bills and a simple transfer 6 days already in transit while I don't have the funds is simply unacceptable. I have bills due today and funds are somewhere ... ..feel nervous and cheated. I need HSBC to be liable for my late fees and interest while they simply illegally holding my funds. ( I check deposit would be instant as well ). At this days and time ... I find is to be illegal and unacceptable length of time. I'm starting to be nervous that they will steal my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One credit card CFPB original complaint number XXXX In XXXX of this year, I closed the account for my own personal reasons. The account was in good standing at the time it was closed, no late payments or balances. However, upon closing the account, Capitol one placed a remark on the credit report, which states- " Dispute resolved -Consumer disagrees. Account closed by consumer. " There were no disputes, other than a balance inquiry back in XXXX of XXXX, which was resolved instantly, without incident. Other than the CFPB complaint, which I was extremely satisfied of the results, there has been no interaction with Capitol One. Attempts were made by phone, to resolve this matter, went unanswered. There was no dispute resulting in the closure of the account, just my desire not to do business with Capitol One. The remarks appear to be retaliatory, as to the complaint filed, in which Capitol One had to remove negative reporting off of my credit report for 1 late payment during the Covid pandemic, when by Federal statue, they were not supposed to do in the first place. Thus was the ONLY late payment made to Capitol One during that period and up and until I closed the account in XXXX. The remarks were unwarranted and should be removed in its entirety. No remarks are necessary, only that the Customer closed the account.

Company response to consumer: Closed with non-monetary relief