BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/XXXX : Capital One charged me interest on a XXXX balance for the billing cycle. I called to ask them to correct it and they said they couldn't. They did this to me last month but I paid the interest because I need to maintain a XXXX balance on this card. So I asked the supervisor, XXXX ( # XXXX ), if they were going to try to pull the same shenanigans next month and he said they do not charge interest on interest, but told me I would be charged a late fee if I made a late payment. Here is where the problem lies. I have never made a late payment in all my years with this company and he had no grounds for threatening me with a late charge. I feel I was discriminated against and he made a bad judgement call that was very unprofessional. The interest in question is only {$5.00} and he could not credit me, so I am filing this complaint for being ethically violated. I am an upstanding citizen, tax payer, who has never made a late payment and he judged me as if I was some hoodlum off the street. He needs reprimanded or fired and I want to be credited my {$5.00}. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Westlake Services, LLC
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: Investigation took more than 30 days

Complaint:
I surrendered my vehicle back to the bank last year. Eventually the vehicle was picked up. The vehicle has been resold at a higher price than what I owed left on the vehicle. But my credit reports shows that I still owe them. I have tried to dispute my credit reports. One of the credit report deleted the information. But the others remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
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:
I keep having accounts appear on my credit report that i think are linked to my identity theft case from several years ago.

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 2019-09-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I need your assistance in getting this matter with Equifax resolved once and for all. Equifax is reporting inaccurate information on my credit file. Equifax is reporting that XXXX XXXX ACCT # XXXX & XXXX is late in XXXX and XX/XX/2019. This is inaccurate information in that these accounts has had a XXXX balance for over 4 years. How can an account with a {$0.00} balance have a late reporting during the time that it had no balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My card has been taken by the ATM machine, and i need the bank send me a new one to replace. But i try to contact them thousands times, no customer services help me. 
They said they have a lot of customer services help us through phone, but it is a lie! a lot of customers called them thousand times, but no answers and reply. I try to contact them on XXXX, XXXX, XXXX in the morning, because they said they work 24hr/7 days. but it is a lie. I spent 4 hours on hold just to be hung up on. Ive been calling all month, until now my problem still not solved. Horrible Horrible customer service! I can not withdraw money because i don't have card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: ACS Education Services
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
A letter of complaint was sent to the US Department of Education, FSA Ombudsman on XX/XX/2019 due to misinformation/misrepresentation by servicers prior to and after the rehabilitation of my defaulted student loans. I consolidated my student loans and then entered into a rehabilitation agreement with a servicer who advised me that upon making 9 consecutive payments, the loan would be rehabilitated, the negative status would be deleted from the credit bureaus and the collection cost would be removed. None of these things happened upon the rehabilitation. Instead, after the ninth payment was made, I then received an invoice for an amount that I could not afford to pay. No one advised me at that time of any income based repayment plans that could have assisted me in a subsequent default. Since that time my one loan has been and continues to be reported inaccurately to the credit bureaus as 2 defaulted student loans. ( Please see the attached letter expressing my concerns in detail ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX I was contact by a woman via phone number XXXX stating that she was a legal representative for XXXX XXXX and that they were going to sue me for an bank account overdraft fees that I supposedly opened in XX/XX/XXXX. She wouldnt give me specifics other than the amount was {$1000.00} and that they was contacting me to get current address and phone number so they could file this suit. I stated to her I have never banked with XXXX XXXX and I had no knowledge of the debt. She said ok and then nothing. I thought I lost connection so I called back. I then got a gentleman stating that they could sue me. When I informed them that Ohios debt statue of limitations is 6 years and even if I did have this account they have no legal leg to stand on once again they hung up. They repeatedly call not only my personal cell phone but my family memebers trying to scare them into paying this so I dont go to jail. Im afraid they are going to get ahold of one of my elderly family memebers and they will pay it not knowing better. I wasnt given a name for the company and have been unable to find it on a reverse search on XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-28
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home was flooded as a result of Hurricane Harvey and I am living in a house w/ walls missing. My flood insurer ( XXXX ) issued my wife and me a {$15000.00} check as an advance on my dwelling claim to help w/ emergency repairs. I sent the check to TIAA-XXXX ( XXXX XXXX XXXX ) my mortgage company over a month ago for endorsement so I can start the repairs, but they subsequently transferred my loan to EverBank. This was back on XXXX XXXX, 2017. I have made several calls to both TIAA-XXXX ( XXXX ) and EverBank. XXXX 's Loss Draft Department told me on  numerous occasions that the check was sent to TIAA Corporate, so they can send all information and files related to transferred loans, including insurance checks, to EverBank. Recently XXXX advised me that the check was cashed by XXXX but XXXX refuses to release the money to me or EverBank, meanwhile I ca n't get funds to pay my contractor. I pay my mortgage payments religiously through ACH debit, so there is no reason for XXXX to withhold the $ XXXX or take so long to send to funds to EverBank. How XXXX can cash a check that required my wife and my endorsement and then keep the funds w/o giving them to EverBank is beyond me. I guess a big financial institution is allowed to take a consumer 's funds for over 30 days, earning interest on it while the consumer is struggling to fix his house after a natural disaster. We live in a XXXX XXXX where things move quickly and I still do n't understand why XXXX is not required to act more quickly, allowed to cash a check w/ my wife and my name on it w/o telling me, and literally tell me nothing during this process, requiring me call them almost every week to find out what happened to the $ XXXX check from my insurer. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On XX/XX/19 some nefarious criminal who had somehow gotten a hold of my SSN and home address opened a credit union account in my name. 
I subsequently worked with XXXX XXXX XXXX XXXX ( XXXX  ) to close the account, reported it to the local authorities and my credit monitoring agency, filed a fraud report with the Federal Trade Commission and had my credit frozen by all three credit rating agencies. 
I then filed disputes with the credit rating agencies to get the XXXX account removed from my credit file, because it was opened fraudulently and should not be on my credit record. 
However, all they did was verify that it was 'valid ', which it most certainly was not, and frankly, my SSN was probably compromised by the XXXX breach a few years ago. 
I need the record of this illegally-opened account purged from my credit record, so I am reaching out to the CFPB to do this. 
It's just criminal that a tax-paying, law-abiding American citizen gets his identity at least partially stolen and no one cares or will do anything about it, so the least that could be done is to expunge this XXXX account from my credit record. 
Thank you, 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 2017-11-27
Company: Avadyne Health Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX is trying to collect a debt not owed. This alleged debt does not belong to me and was put onto my credit bureau as in collections and derogatory.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
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:
On XXXX XXXX, 2017 I went into XXXX XXXX XXXX with my pre-approval letter from XXXX to test drive a Red XXXX. The manager XXXX XXXX requested credit report with out my knowledge and consent. Because of this my credit was ran resulting XXXX Unauthorized inquiries. The next day I went back to the dealership asking for his supervisor. XXXX XXXX the General manager asked me to explain what happened and as a result typed up a letter on the companies letter head to all the Financial companies and credit reporting agencies requesting that they remove the inquiries on behalf of XXXX XXXX XXXX. Unfortunately, as of today NONE have been removed. Since then, I 've called, faxed, sent certified letters that XXXX XXXX drafted to each company as well as the credit bureau asking that that they be removed. Nothing has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquires are hurting my credit worthiness and credit score. The company is requesting that they be removed and now I 'm asking that they be removed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
On XXXX XXXX, 2017 I went into XXXX XXXX XXXX with my pre-approval letter from XXXX to test drive a Red XXXX. The manager XXXX XXXX requested credit report with out my knowledge and consent. Because of this my credit was ran resulting XXXX Unauthorized inquiries. The next day I went back to the dealership asking for his supervisor. XXXX XXXX the General manager asked me to explain what happened and as a result typed up a letter on the companies letter head to all the Financial companies and credit reporting agencies requesting that they remove the inquiries on behalf of XXXX XXXX XXXX. Unfortunately, as of today NONE have been removed. Since then, I 've called, faxed, sent certified letters that XXXX XXXX drafted to each company as well as the credit bureau asking that that they be removed. Nothing has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquires are hurting my credit worthiness and credit score. The company is requesting that they be removed and now I 'm asking that they be removed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Over the last 3 months I have repeatedly contacted both Experian and XXXX about information on credit report. Still the information remained. Some of the items that I have paid have actually brought my credit score down which is unusual. I am just not believing what is happening. Also I recently applied for a loan Experian showed me a score of XXXX they showed my prospective creditor a score of XXXX. I know this because this creditor is someone I have done business with a long time and was good enough to tell me what the score was. This is I believe against the FCRA. I had to fight with all 3 credit bureau 's to get credit card information off my credit report. Even though Arkansas my state of residency has a law that says certain information cant stay on my credit report more than 5 years it is statute 4-3-118. Yet I still had to fight with all 3 bureau 's to get this information off my credit report and that is not right.

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 2019-04-27
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am in a title loan which has an extremely high interest rate. Since I am on XXXX XXXX I believe I am covered under the Military Lending Act & The Servicemembers Civil Relief Act for a reduction of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Square Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have verified my Cash App mobile account by providing the last four digits of my SSN, a full picture of my driver 's license, and even a picture of myself to Cash App. However, now Cash App is claiming that I must allow it access to my contacts to verify my identity. This request is a blatant violation of my privacy rights as an individual and a consumer. There is no reason Cash App would want this information other than to profit from it. I am absolutely willing to easily verify my account by providing additional information, but requesting to sync to my mobile phone 's contacts is completely inappropriate and fraudulent. This is wrong and Cash App should never ask for this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery is reporting 3 negative trade lines on my credit bureau reports. I have paid one in full that was actually owed by me. The company than added {$.00} balance and is still showing it as an open account. This is the account ending in XXXX. 

The other two accounts ( XXXX and XXXX ) are also showing as active and open accounts with a balance. After speaking to Portfolio Recovery they informed me that both debts ( which are also past the Colorado Statute of Limitations ) have been sold to another junk debt buyer XXXX XXXX XXXX XXXX. Since they no longer own this debt, they should not be allowed to report it as an actively open tradeline with a balance. 

I had previously requested that these debts be appropriately verified and validated, but was only provided with an old credit card statement. They refused to provide me wit any signed documents or contracts showing me as being liable for these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: EQUIFAX, INC.
State: NC
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:
Paid for a equifax membership to keep my credit report accurate and up to date.This membership has not been honored as i've recently had issues with disputes on my personal credit report with missing information. The company has stated that this information has been reported prior to XX/XX/2020 to equifax. Information has not been updated by equifax timely, and equifax has not responded accordingly in the three previous CFPB complaints. This is unethical and is a violation of the FCRA. Investigation has took longer than 30 days on multiple instances with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My Bank of America personnel checking account has had fraudulent purchases made over a 3-week time frame from XX/XX/2019 through XX/XX/2019. The fraud for purchases for XXXX XXXX ( mobile co ) and XXXX ( home improvements co  ). 

The fraud claim totaled {$11000.00}. Refunded {$7600.00} and pending {$3600.00}. Bank of America stating the remaining {$3600.00} will not be issued a refund and claim is resolved. I am protesting this determination and I am owed a refund of {$3600.00}. 

XXXX XXXX fraudulent charges were refunded the value of {$6100.00}. XXXX fraud charges are a total of {$5200.00}. Refunding only {$1500.00} for fraudulent XXXX charges from Mississippi state. NO refund provided for {$3600.00} fraudulent XXXX charges from Ohio state. I, XXXX XXXX live and work full time in the XXXX Florida area. 

I have been rejected 3 times on this claim, with no validation for the rejection. Bank of America has failed to secure my financial account. I have been the victim of fraud. 

Also, I have been the victim of identity fraud in XXXX County Florida. The XXXX Circuit Court of Florida XXXX  and XXXX   XXXX  two men for {$8800.00} in bank loan received in my name in 2019. That banking institution involved determined this was a case of fraud  as well. 

Additionally, I have been the victim of identify fraud, by attempts to receive credit loans in my name. A total of 9 letters of loan rejections were received between XX/XX/2019 through XX/XX/2019. 

Finally, XXXX  as one of the three largest consumer credit reporting agencies in American has determined my disputes as a victim of fraud. 

In Conclusion, since I reside and work in the state of Florida, any purchases from Ohio State would be considered far outside of my typical purchase location and historically not accurate. As the provable victim of fraud, this further substantiates that these Ohio State XXXX   purchases are also fraudulent.

See the documents attached.

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 2019-04-27
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: Information belongs to someone else

Complaint:
I have no knowledge of the account information. It is inaccurate. I contacted the 3 bureaus ; Equifax is the only company still reporting and refusing to investigate and provide more information relating to the account/

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: HCFS Healthcare Financial Services of TeamHealth
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This account was paid to h hospital, they have hung up on me, calling me a liar. I have perfect credit meaning I pay my bills.

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