BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-25
Company: EQUIFAX, INC.
State: NY
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: Didn't receive services that were advertised

Complaint:
Last fall, following the widely publicized Equifax data breach, I checked the social security numbers for myself and four dependents ( spouse + XXXX children ) and submitted applications after the Equifax check tool confirmed we had been exposed. On XX/XX/XXXX, I received five emails with links and immediately set up five TrustedID  accounts for the purpose of monitoring our credit for the ensuing 12 ( maybe 24? ) month period, as promised and mandated. Or so I thought. After roughly six months of hearing nothing, for anyone, I became concerned as several credit card accounts have been opened ( and some closed ) during this period, and we should have been notified of the same if we were in fact being monitored. I must have spoken with 5 or 6 different representatives from Equifax at this point ( including an unsuccessful attempt to speak with XXXX who called on XX/XX/XXXX following very poor survey feedback that I sent in after being requested to do so, and the last of which was a supervisor named XXXX XXXX, and then an extremely rude floor supervisor named XXXX/employee #  XXXX, would not give full name ), none of whom were helpful or had a solution ... or cared, really. They claimed that none of the accounts were in fact set up, and stated that the TrustedID program is no longer in effect ( not sure how the former could be the case based on the emails, which were also sent to them, and how the latter could be true as the monitoring was to continue for at least 1 year and the program did not begin until last fall at the earliest ). They said I could " purchase '' identity protection with one of their other programs, or put a credit freeze on the accounts neither of which was the purpose for which I was calling, to exercise the right to the service to which we were wholly entitled. So, having exhausted my options with Equifax, I have now made a formal appeal to you on our collective behalf in an effort to help resolve this long-running issue with Equifax. I am sure we are not the only ones in this situation. Thank you in advance for your consideration and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To whom it concerns 1- What is the complaint about! 
XXXX XXXX XXXX in XXXX, NJ closed my account for having my Home-Depot card on time payments of XXXX per month. I started the payments 6moths ago and never missed one payment. XXXX XXXX is the bank that Sears uses for credit card holders. 
My payments to my credit card is impeccable for years. 
What Happen! 
I received a notification from Sears that they closed my account because of time payments to Home-Depot. I called them ( SEARS ) and asked why and they said because of Home-Depot. I owed Home-Depot {$250.00}, I paid them off today, I no longer owe them anything. 
What company is this complaint about! 
The complaint is about XXXX XXXX XXXX, XXXX, NJ Who are the people involved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2022-10-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
reference Citizens One Loan paid off XX/XX/XXXX. For and in the name of XXXX XXXX XXXX, elderly parents sent over {$10000.00} to citizens One and not Citizens insurance XXXX and XXXX. I called citizens one, got XXXX cat numbers, was told if loan was paid off they would send a check back, this DID Not happen. 

They took advantage and was told they were sent money back witting 3 weeks of receiving if the loan was paid off, again they kept the money. 

I have no idea how many times the happened since XX/XX/XXXX. 3 times for sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On Friday XX/XX/XXXX. Restaurant charges were taken from my available balance. There where no checks written on my account and nothing pending as of Monday Morning. On Monday evening the bank charges me 6 nsf fees all which had come out of my available balance on Friday. The representative stated this is because of a charge that posted on Monday for XXXX. The bank is constantly moving things around to charge additional overdraft fees when the money has come out of my available balance. The only thing I use is a debit card so I am unsure as to how is this possible if it is already taken from my account. My account went from -XXXX to being negative over XXXX dollars. They picked and. Choose which accounts to charge a fee. I would think all of the restaurants and shopping stores after XX/XX/XXXX would have a charge as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I lost my job in XX/XX/2016 there I tried to lower my loan. I then discover that the loan was a simple interest. Because after paying XXXX my amount never went down. The car was repo in XXXX and sold and two this date it is appearing as if I have the car and my payments are late. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My XXXX student loans has never been late. They are currently in deferment but they are being report late. I contacted all three credit bureaus on XX/XX/XXXX to dispute the information. It was updated on XX/XX/XXXX but still reflecting late payments. I called XXXX on XX/XX/XXXX and they referred me back to the credit bureaus. I sent out 609 letters on XX/XX/XXXX. I need this corrected ASAP as I am applying for an apartment on XX/XX/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 2018-05-08
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I got laid off from my job in late XX/XX/XXXX and immediately did whatever I could to find a new job. Pretty soon I was no longer able to make the payments on the mortgage. We contacted a state sponsored program for NJ Homesaver and just as we applied the program was changed and the church in XXXX XXXX NJ said they couldnt help us with that program. I eventually got another job in XX/XX/XXXX but that company couldnt make payroll as of XX/XX/XXXX and I was out of work again. I went looking again and even took a job outside my field and it eventually led to a good XXXX XXXX which I have had 30 years experience in. Then I contacted the bank about a modification. They sent us the modification application and now there was hope. Now that I finally had a stable job and the mortgage note was sold to Iberia Bank we had a chance. Also, both my wife and I were working full time, I also thought we had a solid shot as I worked full time and my wife was a XXXX XXXX XXXX XXXX. I called them and asked about my options and if they had a date for the sale yet on XX/XX/XXXX. They did tell us we must submit our XX/XX/XXXX return which was not finished yet. ( We had filed an extension ) When our accountant had taken longer than we expected to complete the tax return, we then called again to make sure there was not a date for the sale in XX/XX/XXXX and they said there was no sale date. As of today, we were not served with any paperwork from the court or Iberia Bank accept for the Lis Pendens which was sent to us XX/XX/XXXX. We then received paperwork from a lawyer saying we had to pay rent or vacate the premises. The letter was dated XX/XX/XXXX and the rent was due XX/XX/XXXX. The letter was postmarked XX/XX/XXXX. It also said our lease was terminated and we had to vacate the premises no later than XX/XX/XXXX. Then we were mailed a tenancy summons to appear in court on XX/XX/XXXX, as part of an eviction process. We were never formally served and had no idea any of this was going on until XX/XX/XXXX when we received the first letter from the lawyer. We were also told by a lawyer that we didnt use any postponements, which makes the case that we had no idea that any of this was going on. We never even had the opportunity to plead our case in front of a judge. Iberia made it seem as though we would be considered for a modification while all the while they were proceeding with the foreclosure behind our back. We just want a chance to keep our home!

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 2018-06-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am having difficulties trying to get some things resolved on my credit report. There are a few things that the bureaus are not investigating otherwise they would have been resolved. When I pulled up my XXXX XXXX they don't even show payment histories. I can not afford to belong to a monitoring site which takes XXXX a month so I have to relay on this site. What they are reporting are accounts which they indicate last payments in the year XXXX and I know for a fact that I had to stop making payments on accounts back in XXXX due to loss of income. I'm not proud of it but I was struggling to keep a roof over my head and that was something beyond my control. However, I have been penalized for over 7 years now and I am trying to get my life back in order but the information they are reporting isn't correct.

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 2021-06-03
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I attempted to send a PayPal payment to my wife, XXXX XXXX. When I entered her name in PayPal 's website it came up, I sent a payment of XXXX to her. I asked my wife if she received the payment and she stated she had not received anything. I got back on to PayPal website and realized that there was another person with the exact same name as my wife and the other person is who the money was sent to. I immediately contacted PayPal to see what I could do, they suggested I cancel the payment but that did not work. They suggested I stop payment the transfer through my bank which I did but PayPal used my debit card after the payment was denied using my checking account information. Now because PayPal is just a payment processor my bank will not help me get my money back. I attempted to contact the person the money went to in error but have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: BSI Financial 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: Account status incorrect

Complaint:
BSI Financial is reporting payments late after an automatic stay as a result of a bankruptcy filling including the mortgage. They are not allowed to report any payment activity after the bankruptcy filing as it is a violation of the collections action of such a filing. I am requesting that they remove all activity from the credit report effective immediately from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Phoenix Financial Services LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A collection agency named Phoenix just reported a {$790.00} collection account on my credit report. I had no contact from XXXX in any way, before they blindly placed this account on my report. They are supposed to notify me, and give me 30 days to answer for it, before reporting this. However, they did not gave me that opportunity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Hello, I have a capital one credit card ( Journey-Visa ) which has been closed, due to interest charges being taking out whether the card has been used or not or closed. Hundreds of dollars have been taking by capital on which does not allow the consumer to pay the card off. I have been with capital one for several, several years. I pay {$50.00} to {$60.00} dollars a month on the balance of my card and capital one take at least {$15.00} to {$20.00} a month in interest charges. I have spoken with capital on several occassions regarding why are they taking charges of interest and fee on a closed account. The representative say interest charges are paid on remaining balances and cash advances. I had one cash advance of {$12.00} back in the year of 2012 and they are still charging interest on this amount and the balance of the card. Never, ever have I had another cash advance. This has been going on for years. Such situation traps the consumers from paying their cards off. This is unfair credit card fraud and a scam. Credit card companies are ripping and gauging consumers with such fraud and unfair practices. I have attached just a copy of an example of what Capital One is doing. I make a {$50.00} payment a month, capital one take {$15.00} to {$20.00} in interest and fees. Yes I want everyone to know about this issue with capital one and other fraudulent credit card companies. I will be filing a law suit.

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: AMERICAN EXPRESS COMPANY
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I purchased a Bluebird prepaid card by American Express at XXXX the beginning of XXXX. I became concerned when I received five different cards and two to my email associated with my old account which they closed that had nothing to do with my original purchase. Called bluebird and they said I had to have opened all those accounts online. I told them I purchased at XXXX. I have still not received my permanent card, I have called five times, they have since sent out three new cards, tried to charge me for a replacement card, and I have not received one yet. I have money I placed on this card and can not use it. I also ask for corporate address and the information they gave me was all false. I have tried to file with the XXXX, but they need an address. This has been a nightmare. I also had a Bluebird when it first came out and they closed this account. I hope you can help me. Also along time ago I had American Express business gold card. This is very disappointing. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - 120 DAYS LATE PAYMENT XX/XX/XXXX - 120 DAYS LATE PAYMENT XX/XX/XXXX - 90 DAYS LATE PAYMENT XX/XX/XXXX - 60 DAYS LATE PAYMENT XX/XX/XXXX - 30 DAYS LATE PAYMENT XX/XX/XXXX - 120 DAYS LATE PAYMENT XX/XX/XXXX - 120 DAYS LATE PAYMENT XX/XX/XXXX - 90 DAYS LATE PAYMENT XX/XX/XXXX - 60 DAYS LATE PAYMENT XX/XX/XXXX - 30 DAYS LATE PAYMENT I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for and obtain several credit and banking accounts. An extended 7 year fraud alert was requested with each of the credit bureaus as a preventative measure however, while checking his credit report he found TransUnion never listed his fraud alert header on the victim statement. When he contacted TransUnion he was advised by an operator that someone was able to call and have the alert removed. Per FCRA guidelines the way an extended 7 fraud alert is supposed to be placed or removed is in writing with proper documentation and PII of the consumer requesting either the placement or the removal of the alert. TransUnion is in violation of FCRA guidelines.

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 2022-08-09
Company: Experian Information Solutions Inc.
State: IL
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Employer : 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 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$480.00} XXXX XXXX   XXXX XXXX {$560.00} XXXX XXXX XXXX {$620.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
AMERICAN EXPRESS has discriminated against me under 15 USC 1691 the consumer and original creditor proven under 15 USC 1602f by denying my right to credit under 15 USC 1601. AMERICAN EXPRESS has committed Federal Violations against me under 15 USC 1602p and 15 USC 1644 for unauthorized use my credit card to where I receive no benefit. I have exercised my right under 15 USC 6802abc to opt out of their negative reporting. I fell hurt, embarrassed, neglected, depressed and discriminated for the adverse actions and ill will of AMERICAN EXPRESS.

Company response to consumer: Closed with explanation