BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Company name XXXX XXXX XXXX for the amount of XXXX as of XX/XX/XXXX company no longer in service and it still appears on my credit report, XXXX XXXX XXXX  closed as of XX/XX/XXXX this company does not serve people residing in the NY state area I also have reported capital one bank which is still appearing on my report I have no business with them and they were previously removed from my report and it is on my report once again XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03
Company: LCO Financial Services, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2019 I applied for a small loan and was approved for {$920.00}. I was told there was an option for 18 payments and that my starting payments would be for {$260.00} twice a month on my paydays. I thought this seemed high but figured I misunderstood and agreed. I was never told that the yearly interest on my loan will be 633.72 % until I got my signed agreement in an email. I'm stuck in a desparate situation to pay my rent, but I am hoping to find another solution so I can cancel this loan before the deadline on XX/XX/XXXX, but I don't think will happen and I will be forced to pay a total of {$4700.00} for a {$920.00} loan. This seems illegal so I am also looking into this further.

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 2020-10-23
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had two Comenity Bank cards that were paid off in full never late three years ago. Since then I have been placed on a black list and any of their Cards I apply for gets declined for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: EQUIFAX, 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:
Today I pulled my credit report and noticed there are several unauthorized accounts listed that I am not familiar or associated with. I am also listed as an authorized user on many of the accounts that I did not authorize nor do I have access to these accounts. I'm not sure how my identity gotten compromised but in the past, I hired a credit repair company to assist with repairing my credit and at the time I disclosed personal information including my social. This could be how it gotten compromised. I have been trying to contact the credit agency but I have not been successful. I was then later informed that the company may no longer be in business. The name of the company is XXXX XXXX XXXX XXXX and the agent I worked with was XXXX XXXX Here is a list of the unauthorized accounts that is currently reporting on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Experian Information Solutions 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:
A account is still showing incorrect status & account balance on my credit profile after contacting the credit bureau. 

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 2019-07-03
Company: Experian Information Solutions 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:
Accounts are showing wrong information. I previously contacted the credit bureau. These accounts are showing the incorrect Account balances & account status. 


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 2019-07-03
Company: CITIBANK, N.A.
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:
I opened my Citi checking account with the following offer in XXXX in my local XXXX branch : To qualify for a {$400.00} cash bonus, open a new consumer checking account in The Citibank Account Package by XX/XX/XXXX. 
Within 30 days from the date you opened your new checking account, deposit {$15000.00} or more in new-to-Citibank funds into your new checking account or new or existing Citibank Savings Plus account. 
A minimum balance of {$15000.00} is required to be maintained in the new checking account or new or existing Citibank Savings Plus Account, for 30 consecutive calendar days following the date you made your qualifying deposit. 
The cash bonus will be credited to your new checking account within 90 calendar days from the date when you completed all offer requirements. 

I fulfilled all the requirement but did not see the bonus posted. I contacted my local branch in early XXXX and was told to contact the customer service number on the back of the debit card. I contacted the customer service number and also sent a message on the Citi website and was told to contact local branch. This back and force happened several times and this problem has never been resolved. 

Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Experian Information Solutions 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:
XXXX XXXX, is showing 30 days late when in fact I submitted proof I was never late. On XX/XX/2018, I want this 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 non-monetary relief
Consumer complaint received 2020-04-28
Company: Nelnet, Inc.
State: GA
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:
The bureaus are reporting inaccurate information on my credit report. They are reporting recent lates on my credit file for XXXX and XXXX on student loans on Department of Education. I was never late. I have talked to department of education and fixed it with them. They should not be reporting this on my credit and this needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: R.A.Rogers, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed HUD XXXX XXXX XXXX ( XXXX ext. XXXX ) over {$2500.00} in debt. On XX/XX/2019, I settled with RA Rogers INC. ( XXXX ) and paid around {$2200.00} in total, in which HUD XXXX XXXX XXXX agreed to the settlement. According to RA Rogers, it would take around 30 business days from the date to be updated to the credit bureau and they would informed HUD XXXX that I'll paid the debt. As of XX/XX/2019, the account is shown still not paid off. I called XXXX several times, including today, XX/XX/2019, and they NEVER returned my phone call. In additional, according to XXXX XXXX   call center representative, they confirmed that RA Rogers INC have informed that I've paid my debt to them. Because of this, I've been denied of a couple of things that are crucial to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Experian Information Solutions 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:
These four accounts are display the incorrect status and account balances on my credit profile. I have contacted the credit bureau several times. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX DEPT OF EDUCATIONXXXX - 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 2021-11-30
Company: Square Inc
State: VA
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:
I live in Virginia and someone used my cash app card XXXX different times at XXXX in New York and I live in XXXX Virginia this is my rent money and bill money that has been taken. XXXX took XXXX $ from cashapp card XX/XX/XXXX at XXXX and another XXXX $ at XXXX and another for XXXX $ and another for XXXX. Remind you I live in Virginia these charges are absurd this is all of my money and there was another charge that I havent received back on XX/XX/XXXX at XXXX at the same XXXX New York location that cash all havent resolved yet but sent me another card im thinking that im okay until I wake up and see my cash app account drained. I have rent do on Thursday and my electric bill not including food for my kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
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:
Today I pulled my credit report and noticed there are several unauthorized accounts listed that I am not familiar or associated with. I am also listed as an authorized user on many of the accounts that I did not authorize nor do I have access to these accounts. I'm not sure how my identity gotten compromised but in the past, I hired a credit repair company to assist with repairing my credit and at the time I disclosed personal information including my social. This could be how it gotten compromised. I have been trying to contact the credit agency but I have not been successful. I was then later informed that the company may no longer be in business. The name of the company is XXXX XXXX XXXX XXXX and the agent I worked with was XXXX XXXX Here is a list of the unauthorized accounts that is currently reporting on my credit report. 
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 2019-05-16
Company: CORELOGIC INC
State: LA
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 have no knowledge of the following inquiry CredcoXX/XX/2019. Please  investigate and remove 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 explanation
Consumer complaint received 2019-07-03
Company: EQUIFAX, 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:
I have contacted the credit bureau about these two same exact accounts that are on my credit profile that are showing incorrect account balances and status. 

XXXX - XXXX XXXX  - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
I have submitted the required short sale packet to the required email address over the minimum 30 day submittal requirements and OCWEN has had me resend it to two additional departments during that time period. My sale date is coming and I still don't have any answers or hope in site of the sale date being postponed for file review. I have been told it takes 30 days to review and to be assigned a rep to handle my account. It has been over 30 days and still no new info on a rep being assigned to my account. I would like the sale date to be postponed so I can avoid a foreclosure and continue with the short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: EQUIFAX, 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:
These four accounts are display the incorrect status and account balances on my credit profile. I have contacted the credit bureau several times. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX DEPT OF EDUCATION/XXXX  - XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have had capital as one of my first credit card and it was a great experience, one thing i was doing is trying to automate all my credit card payments to make sure no human error was involved but as a result I had some payments go missing and as result of paperless billing I was never able to notice about 3-4 months later. 

If you look at my report as soon As i found out I was behind on payments I made sure It was taken care of right away and as a result becoming a paid account. 

so all in all the automation process I was executing in my life at a very young age created issues as far as 120 days late which was a very bad mistake but once I knew the capital card received the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: HYUNDAI CAPITAL AMERICA
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I financed a new car through Hyundai Motor Finance and made our payments every month on time and paid off the car on XX/XX/XXXX. I mistakenly made another payment in the amount of {$620.00} on XX/XX/XXXX. Within a matter of days we realized the mistake and contacted Hyundai Motor Finance to let them know that there was an overpayment of {$620.00}. They told us at the time that they would send an email to the correct department and we should receive reimbursement for the overpayment within 6 weeks. About 7 weeks passed in XX/XX/XXXX and we still had not received the refund and so we called them again. At that time they said there had been an error and we would receive a refund of {$620.00} within 4 weeks. After the 4 weeks passed with no refund we contacted Hyundai Motor Finance again in XXXX of XXXX and they said that it had been denied but there was no reason given and would submit it again. About a month ( XX/XX/XXXX ) passed and we contacted them again and they told us the same thing that it had been submitted and we should receive a refund. After several months my wife and I contacted my bank to dispute the charge. After several weeks the claim was denied because they stated that I needed a letter from Hyundai Motor Finance stating that the car had been overpaid. Today XX/XX/XXXX I called and spoke with a representative with no resolution,. My wife called and was finally able to get a supervisor on the phone. She spoke with XXXX. She told her that none of the emails had ever been responded to and would not send a letter stating there was an overpayment even though the website and bank statements clearly show that there was an overpayment of {$620.00}. I called back and they refused to let me speak with a supervisor and was hung up on. It has been over 7 months and I still have no relief from the {$620.00} that should have been returned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XX/XX/2019 i disputed closed XXXX XXXX  account that is currently open and paid on monthly XXXX XXXX XXXX.Transunion did conspire to report falsely that my credit account was closed damaging my credit causing public embarrassment and inability to use credit.

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 2019-07-03
Company: EQUIFAX, 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:
Two accounts are still on my credit history after contacting the credit bureau. They have the incorrect status and account balances. 

XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Square Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I Received a Email through my phone that stated money was sent to a XXXX XXXX in the amount of $ XXXX/ $ XXXX/ {$500.00} onXX/XX/2019. using the cash app you have to put in a pin # if you accept or decline the transaction there was nothing thaasked me for a pin number for neither of the 3 transactions.  Also if that person is not a contact in your phone the app verifies that the person is not a contact ask if you are sure you want to proceed with this transaction .That never happened today. I tried contacting Square and had no success with them. Money was taken straight out of my checking account not off of the card. The normal process is it is taken off of the card not out of your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Experian Information Solutions 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:
Today I pulled my credit report and noticed there are several unauthorized accounts listed that I am not familiar or associated with. I am also listed as an authorized user on many of the accounts that I did not authorize nor do I have access to these accounts. I'm not sure how my identity gotten compromised but in the past, I hired a credit repair company to assist with repairing my credit and at the time I disclosed personal information including my social. This could be how it gotten compromised. I have been trying to contact the credit agency but I have not been successful. I was then later informed that the company may no longer be in business. The name of the company is XXXX XXXX XXXX XXXX and the agent I worked with was XXXX XXXX Here is a list of the unauthorized accounts that is currently reporting on my credit report. 
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 2019-07-03
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: Their investigation did not fix an error on your report

Complaint:
This issue is still not resolved after how many months..Their investigation did not fix XXXX/XXXX   XXXX They said they have verified it but did not give me details on how their investigation went.. They only sent me a paper print out stating the account was verified. This is against the FTC Law and payments were sent timely on this account and was never late..CFPB step up and fix this error

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03
Company: EQUIFAX, INC.
State: IL
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:
Have contacted all 3 credit bureaus numerous of times to get items that are not mine to be removed and they refused to investigate them accurately and delete them the accounts that are not mine and need to be removed are : XXXX XXXX, XXXX, New York, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and unknown collection. I ve supplied ID Theft Affavaid, police report and constant dispute letters I have sent out letters on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XXXX, XX/XX/2019 they keep asking for identification documents I have submitted my ID, Electric Bill, Bank Statement, Social Security Card and Red Light Volition. Submitted them everything and they keep asking for more information and not processing disputes.

Company response to consumer: Closed with explanation