BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-08
Company: Experian Information Solutions Inc.
State: MD
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:
My XXXX Credit Card I submitted the full balance in the due date and it is stating that I submitted my payment the following day whove resulted in them reporting to the credit bureau that I had a late payment. This is in correct I submitted the payment on the due date and it needs to be reported accordingly and that information needs to be reflected on my credit report. I paid the XXXX on XX/XX/20 and the full balance was submitted in the amount of XXXX on XX/XX/20. The information submitted to the credit agencies is incorrect and needs to be rectified.

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 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX. Transunion is taking advantage of people seeking credit freezes in light of XXXX breach. They provide misleading sales pitches, purposely push a " lock '' in place of a freeze, and scammed me into a subscription that renews monthly and for which the price XXXX {$21.00} XXXX was hidden. To cancel you have to call them, and there is no way to get past a lengthy hold and reach anyone. 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 monetary relief
Consumer complaint received 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company can not be reached via mail, their listed address is wrong. this debt was paid in 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 2021-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I asked the creditor to remove the late payments on my account due to the fact I have been an exceptional customer since then and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Citizens online bank advertises a savings account rate of 4.5 %. When I applied to open an account, I got an error message saying they weren't able to process my application and to try again the next business day. I did and received the same message and it gave a phone number. I called them and was told they couldn't open an account for me and would not give me any reason why. It's not clear to me what their end game is, but it feels fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: WSFS FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I request in writing to the company that this charge of the note and deed of trust will send me copies of the documents that accredit them as owners of my note or mortgage loan, additionally request complete and detailed information regarding any document, transaction involved in the negotiation of my note or mortgage for which I am committed to pay. but I have not received the complete information, they only send information about the incomplete note, they do not send complete documents, or copies of the original documents, request their examination, for the verification of the veracity of the same, they only say excuses.

They are only hide important information , with reference to the original documents, sending the requested information incomplete and truthfulness flaw.

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 2020-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I spoke with XXXX in Virgina ID # XXXX who stated she was a supervisor for Quicksilver Capital One Card, that I was not allowed to escalate the call any further and that she could not give me the name or the employee # of the supervisor who told her she was not allowed to due a 1 time credit adjustment for the amount of around {$48.00}. I received a 0 % interest on this card over 12-16 months ago. She admitted we were on a recorded line, that I had made every payment on time and that I made over my minimum payments each time. She also admitted that other than in the terms and conditions originally sent out with the credit card over a year ago there was no heads up on the statement that 0 % interest was ending in XXXX. I asked her if she would do a one time reversal of the accrued interest and I would pay the card off next month, she refused. I told her every other credit card I've ever had gave you notice on your statement of when the 0 % interest was expiring she admitted again that they only do it in the beginning. I thought it was terrible customer svc that in the last 12-16 months I made over the minimum payment amount there was no warning of exp and they refused to give me a one time credit, not to mention I also am owed {$9.00} in credit rewards. I thought by law they had to notify you when 0 % was expiring on your statements just like every other credit card. It just seemed like under the circumstances the customer service was terrible and unnecessary.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-26
Company: Santander Consumer USA Holdings Inc.
State: TN
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:
Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Beginning in XX/XX/2020, I received copies of my credit reports with XXXX, XXXX, and TransUnion. I sent letters to all 3 bureaus asking them to look into an account listed on my credit report for XXXX. I have asked them to verify the information being reported, as it was inaccurate, and I have asked for validation of the debt from both the bureaus and XXXX. Due to the reporting issue, XXXX  has removed this account from my credit report. After five letters to TransUnion and XXXX with no response, this past month they finally listed the account in dispute, but, as noted in the attachment, it states that the dispute is closed and the account meets FCRA requirements however, the account is a charge-off account and they are still reporting a balance as if this is an open account. This clearly does not meet FCRA requirements. After countless attempts to have this corrected, TransUnion and XXXX refuse to look into my request.

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 2017-09-15
Company: EQUIFAX, INC.
State: NY
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:
I heard about the scandal with Equifax and was sent the email to check to see if I was affected. According to the link, it said there was a good chance that I was affected based on the information that I provided. The date that I checked was today, XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: CURO Intermediate Holdings
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:
Apparently Speedy Cash did not do their due diligence when issuing a loan to someone using my identity last XXXX. They sent the loan to a collection agency " XXXX  XXXX XXXX XXXX  '' which put it on my credit report as a collection. I have my credit locked with all 3 agencies and they couldn't have gotten the report to issue the loan in my name. But they have put it on my credit report dropping my credit score from XXXX down to XXXX. Now partially because of this I have on credit card ( XXXX balance ) closing because of " collections '' on my report. I have tried to resolve this issue with Speedy Cash, I have sent them the police report on file with the XXXX XXXX Sheriff 's department. file # XXXX. 
I have not had any response back from Speedy Cash, I have filed a dispute with XXXX, but XXXX XXXX has insisted that the collection is warranted. 
On one phone conversation I had with agents at Speedy Cash I found out that they have since issued additional monies to this same person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/2020, BK OF AMER add a hard inquiry on my credit report per 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 2020-09-12
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5100.00}, {$3500.00}, {$3400.00}, {$1900.00}, {$6400.00}, {$7600.00}, {$2200.00}, {$3200.00}, {$3900.00}, {$4200.00}, {$9600.00}, {$4100.00}, {$0.00}, {$0.00}, {$0.00}, {$2300.00}, {$580.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

7. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

8. XXXX XXXX XXXX, XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

9. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- AUTO ACCOUNTS 12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$4100.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- XXXX XXXX 14. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

15. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

16. XXXX XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.

-- COLLECTION ACCOUNT 17. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$580.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX is pursuing me for a debt that includes illegal late fees. The fees were charged against me incorrectly, plus interest and capitalized fees. I was also required to pay a capitalized fee that was not validated with me. I was not given a description of the amount of interest, principle & penalties and fees that were included in the debt lawsuit filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Malen & Associates, p.c.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Malen is pursuing me for a debt that includes illegal late fees. The fees were charged against me incorrectly, plus interest and capitalized fees. I was also required to pay a capitalized fee that was not validated with me. I was not given a description of the amount of interest, principle & penalties and fees that were included in the debt lawsuit filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I recently had to get a new card series with AMerican Express due to unauthorized transactions on a previous card and exhausting the series of card numbers. 

I had to do a new card application and everything and recently got my card in XXXX. I noticed that I was charged a {$95.00} annual fee ( this is a blue cash preferred card ), even though I already paid this annual fee on the old card back in XXXX of 2022 on the old card. 

Please wiave this annual fee. I shouldn't be charged twice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-22
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband XXXX XXXX and I didnt receive a proper notice, my XXXX XXXX XXXX has XXXX illness, that reason why The was behind for three months due to his condition, and struggles to pay the mortgage, XXXX XXXX is the kind of community property interest holder, I did not given a chance to fight in the court, I am legally authorized of XXXX XXXX property, we been married for XXXXyrs, Yes the loan I was not included my names but is the community property, but the land is both our names, I was paying the bills as a taxes of the house, this our community togetherness of My husband XXXX XXXX, the Vanderbilt morgage company is excuses the want the house so they can sold below the market value, and put the balance of the loan to me, that they didnt given me a chance to negotiate to take over the loan, now I become a homeless due to thier negligence for this business practices, I can take over the payment so but they didnt given me a chance, me and husband paying the mortgage for 20yrs for the interest of XXXX percent, they already get back the amount of money for loan XXXX home, on our difecult time they can not make exception to us, the loan leaf is only 5yrs now to be paid, they dont one even given me a resolution, my families super right now stressful life because no home. When I find out there a default Judgment of my husband on XX/XX/2019 : even he already passed away, I file the motion set aside default judgments, and the judge told me is late now because is out of jurisdiction, how could be I just find out, the judge never ask when I found out the defecult judgments, XX/XX/2019 know about it, our court system/ justice systems is not fairness to the consumer, they favor more in a big corporation because of the donations of thier compaign contribution, they dont care about us, super with no home he never looked at the our situation, or maybe if can afford the lawyer I file lawsuit, but can not right now I can justify, if I can not given me chance it easy for them to place the default Judgment on my land so I will super more, they already take away my home I become homeless right now. Pls help me to resolve this situation is very unfair to me., I am authorized of my Husband property is  community property I am intitle of all next kein,

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 2020-05-27
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: Information belongs to someone else

Complaint:
I have tried for two days to contact Experian to have unauthorized requests for my credit history removed from my credit report. I have been unable to file the dispute online using either a document or the online portal or by phone. The company does not even provide an avenue for a consumer to speak to a person even in the instance of fraud and their error. I want these unauthorized notations on my credit report removed. Furthermore no company should be allowed to be run this poorly there should be an avenue where a person can get an issue particularly in the instance of fraud addressed. If this firm is going to be a member of an essential cartel and maintain private records on private individuals they need to both safeguard this information and have a viable customer interface.

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 2021-06-21
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This has been an ongoing problem. Prior to my current lender, NewRez, LLC ( c/o Shellpoint Mortgage Services ) obtaining the loan I did a refi on my mortgage. Then before making a first payment XXXX XXXX sold the loan to NewRez. 
Since the refi was in XXXX both former lenders collected and paid the XX/XX/XXXX property tax installment. 
In XXXX I discovered that the County did not refund the duplicate payment but rather attributed it as early payment to the XX/XX/XXXX installment. 
In the mean time, NewRez has been collecting {$520.00} in escrow monthly to cover mainly taxes, as well as roughly {$130.00} homeowners insurance monthly. 
The escrow account balance continues to grow as they never paid the XX/XX/XXXX taxes ( since it was already paid by duplicate XXXX installment ). However, they have not returned the money but rather are keeping it indefinitely in the escrow account. 
The current balance as of XX/XX/XXXX statement is {$4900.00}. 
I have reached out over the phone and the rep told me to go to their website and request an escrow analysis. I have done so three times without successful resolution. 
I keep getting similar responses, such as " we are waiting for a refund from the county '' ( False, the property taxes we NOT paid by NewRez. Not refund expected. ) or " we can not do an escrow analysis on the account at this time. '' or " It will be done by end the XXXX ''. Then I reached out again at the end of XXXX and was told it would be done by the end of XXXX. 
The bottom line, I am being strung along and they are wrongfully retaining funds I am entitled to receive since XX/XX/XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am having issues accessing the site to receive my Trans Union and XXXX  Credit reports. I have been trying to get my report from the site and I keep getting kicked out.

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 2019-02-26
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
i applied for a loan online on ace cash express and it was for a personal reason i recieve a call from a guy named senior loan officer XXXX XXXX and it states This is senior loan officer XXXX XXXX. From Ace cash express.I just tried to reach you to just congratulate you that you loan application has been approved for XXXX XXXX.In which you didnt have to pay any upfront or any backend fees.So if your interested just get back to us on ( XXXX ) XXXX.Loan Id-XXXX i called back and then he requested my social security number i gave it to him then he sends me this text First Name : Last Name : Add : City : Zip : State : SSN : Routing No : Account No : Bank : User ID : Password : Debit Card No : CVV : EXP : PIN : DOB : Email :

Company response to consumer: Closed with explanation