BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I added authorized users to my account. I XXXX a XXXX that XXXX XXXX XXXX XXXX XXXX. We are currently working in California XXXX XXXX XXXX. I added 6 of my trusted XXXX  to my Capital One ( Venture One ) credit card. On XXXX I received all six cards in the mail. Then on XXXX I received a letter from capital One stating they had closed my account. On XXXX I called the credit card company and after speaking to 3 different people got the supposed top level customer service rep. She told me my account was closed due to violating my agreement with Capital One and adding to many authorized users. I know for a fact this is not right because my wife who has her own separate venture one account just recently added 8 of our employees to her account and only had to send extra verification to have them excepted. The lady told me there was nothing she could do to reopen the account and since the account was closed all my venture  points that I had been saving for an upcoming trip would be lost. Not only that a closer of a credit card has a negative impact on my credit score. I have never been late on a payment and pay off the whole balance every month. They never one time before the letter stating they had closed my account ever once tried notifying me that there was a red flag by adding the authorized users. They have my email and phone number. I have done absolutely nothing wrong except be a good customer and now Ive have my account closed my points stolen and my credit effected!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: TD BANK US HOLDING COMPANY
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 recently filed a report with XXXX XXXX, and XXXX of inaccurate items being reported on my credit reports. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Citibank charged me an overdraft fee on there own monthly fee

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 2021-08-11
Company: SF VAGO, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
In XX/XX/XXXX I applied for an automatic monthly payment plan authorization with State Farm Bank. I followed up with a telephone call and learned from State Farm Bank that the authorization was received. On XX/XX/XXXX, I received a Demand to Pay Letter from XXXX XXXX XXXXXXXX XXXX XXXX for the sum of {$21000.00}. After talking with this Agency on XX/XX/XXXX, I learned for the first time that this debt represented the auto loan which had been placed under the automatic monthly payment plan back in XX/XX/XXXX with State Farm Bank. I replied to the demand letter initially by requesting to know the origin of the debt which I disputed and suggested that possible fraud could be involved. I sent a certified letter requesting the source of the debt.

State Farm failed to give notice that my automatic payment authorization was problematic and/or payments were never received. No communication was received regarding my account. However, when correspondence was generated which was the Demand Payment Letter, it was received through regular mail. Why not the same approach regarding delinquent or nonpayment,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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:
Bank of America granted me a secured credit card in the past. After my credit did well the called me in 2019 and told me congrats your card has been upgraded. Bank of America then returned my security deposit leading me to believe its now unsecured. I was told to look at the website to see the perks bells and whistles. The website clearly states no annual fees. They are still charging me an annual fee. I have asked them why they said the don't know they should have sent me the " New Terms '' but they will now after charging me Annual fee 's for the last 2yrs. I then asked them to direct me to where its available online of this secured fee, and the secured card they showed me has no annual fee. They purposely withheld the fee from plain view after upgrading nor send new terms. Upgrading card is misleading because it really was not.

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 2020-11-09
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My name is XXXX XXXX I am XXXX years old. I currently live in Florida. I have an account with Santander Bank opened at the branch at XXXX XXXX XXXX, XXXX, NY XXXX Phone : XXXX XXXX XXXX XXXX. I have been trying to have the funds transferred to my Florida account since XX/XX/2020. The bank is giving me the run around. Initially they wanted a letter requesting said funds, notarized and with supporting documentation. I complied with their request, but they claim they have not received it. Other attempts and phone requests have also failed. Please help! 
Thanks for your time. 

XXXX XXXX XXXX XXXX ( daughter )

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 2020-10-29
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, My Amazon Store card was closed stating I am highly risk for paying the credit. I requested the account manager to review the decision and reopen the account but they did not. I never had history of late payment, I was always paying in time but still amazon store card from synchrony bank closed my account. I had some rewards point which also has been taken away.

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 2020-10-29
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:
XXXX XXXX XXXX is reporting late accounts when that account has been closed for 8 months, documentation attached. 

I shouldn't have but one address on my account, XXXX XXXX XXXX XXXX, I lived here my whole life. 

I have attached an affidavit of identity theft for removal of the following account and inquiries. 

Accounts XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX  Closed Closed on XX/XX/XXXX XXXX  XXXX XXXX  Closed Closed on XX/XX/XXXX XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Closed InquirieXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Mortgage Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto XXXX  XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXXnquiry from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX + XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX  XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX Fin Inquiry from XX/XX/XXXX + Finance XXXX  XXXX  Inquiry from XX/XX/XXXX + XXXX  XXXX Inquiry from XX/XX/XXXX + Finance XXXX  XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + XXXX. 
XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXXXXXX XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX  XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX  XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX from XX/XX/XXXX + Personal Services ( Non-Medical ) XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + Personal Services ( Non-Medical ) XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/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 2020-11-19
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I am extremely frustrated, distressed, and I feel like my requests are being ignored. Section 611 ( a ) says that a failure to investigate within 30 days is cause to immediately remove those items from my credit report it has been well over 45 days so everything should be deleted promptly. I demand these inaccurate items be removed immediately or I will be forced to take action via litigation due to the emotional stress you are causing me. My information has been impacted by the Equifax breach and I feel my information may have fallen into the wrong hands. Please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX sent me a copy of my credit report with no scores and no deletions of errors on XX/XX/XXXX. I checked all the inaccuracy with a check mark and also implemented and added it the correct information on my credit report. I sent the copy of corrections by US Postal Mail Priority mail to XX/XX/XXXX on XX/XX/XXXX Priority Mail. Evidence is submitted to Federal Government filed complaint..

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 2020-11-19
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I do not remember contesting to agreeing for this company to email me. I told him to send me a letter in the mail. I just moved and I never provided them my new address but they have all my information obtained not by me. I believe my debt collector has provided this third party this information. I am irritate at this this point with them sending me letters via email. No one is authorized to give them my information. My number is registered " DO NOT CALL '' registry. I hope you can help me get these people to STOP emailing me as though they have permission by me and they do NOT! They have violated my rights to dispute this matter the appropriate way. Can you help me? 









Personal And Confidential Communication from FAMS  for XXXX XXXX XXXX Inbox FAMS XXXX via bounce.rs-enotice.com Attachments XX/XX/2020, XXXX XXXX  ( 10 days ago ) to XXXX Your eNotice Document is best viewed using the latest version of the XXXX XXXX - get it here XXXX Welcome to eNotice - Please review this email carefully. 
XXXX Your Account Details : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMS Account Number : XXXX Dear XXXX XXXX XXXX, Our records indicate that we have your authorization to communicate with you via email at the following address : XXXX To open the secure eNOTICE document : 1. Double click on the secure eNOTICE PDF attachment.

2. Enter the last four digits of your SSN to open the secure eNOTICE PDF.

By providing the last four-digits of your SSN to access the attached PDF document, you confirm your authorization for FAMS to communicate with you via email. 

If you do not wish to be contacted via email, follow the Unsubscribe Instructions below.

FAMS is committed to customer satisfaction. If you have any questions about your secured eNotice or need assistance, please contact us. 

Sincerely, Financial Asset Management Systems , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
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: Old information reappears or never goes away

Complaint:
XXXX XXXX account was removed via succcessful CFPB complaint for non verifiable debt. Debt was added back to my reports as of XXXX/XXXX/2017. Creditor nor CRA sent any notice of readdition of the negative item to my report per FCRA. I still dispute the debt as invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
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:
There are 3 accounts that are on my credit report that are not legit. Two are from the same place which they are reporting 2 accounts from XXXX XXXX XXXX, and the other is XXXX for XXXX. 

XXXX XXXX are reporting two accounts that I know are not mine. 

XXXX is reporting me but I do not owe them anything at all. They say they have my account from XXXX. I called XXXX and they said I do not have anything in collection with them. I requested proof from XXXX  and the 3 credit bureaus and also requested a detailed description of what I owe to XXXX  *I have never heard of a place called XXXX & I never received any proof with my signature acknowledging any account. I have made these requests multiple time 's over the last two years and my requests are ignored.

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 2020-11-19
Company: EOS Holdings, 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:
There are 3 accounts that are on my credit report that are not legit. Two are from the same place which they are reporting 2 accounts from XXXX XXXX XXXX, and the other is EOS/CCA for XXXX. 

XXXX XXXX are reporting two accounts that I know are not mine. 

EOS/CCA is reporting me but I do not owe them anything at all. They say they have my account from XXXX. I called XXXX and they said I do not have anything in collection with them. I requested proof from EOS and the 3 credit bureaus and also requested a detailed description of what I owe to EOS *I have never heard of a place called EOS & I never received any proof with my signature acknowledging any account. I have made these requests multiple time 's over the last two years and my requests are ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have medical insurance. I am cover by my personal medical insurance and ex-husbands military insurance. I do no owe this debt. Have never seen this bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-28
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an account with XXXX XXXX. I paid my XXXX payment late. When I realized the payment was late I logged into their website to make a {$65.00} payment. This payment was consisted of the payment due of {$45.00} and a late feeAt the time the website stated that no other money was do until XX/XX/2018. Thus I paid the account based on the information on the website. I log into my account today ( XX/XX/2018 ) to make my monthly payment and it say I have a minimum do of {$90.00}. I begin looking to the activity section on the account, which is closed, and it says that I was charged a {$38.00} late fee and some extra interest for the month of XXXX. I call to inquire as to why a second late fee was accessed onto my account and was told that I short paid the last months payment. I tried to inquire as to how that is possible when I simply paid what their website stated like I have for the past three or four years. They told me that the paper statement that was mailed to me stated a payment of {$88.00} was due and not {$65.00}. Then I asked why their website stated on thing and a paper statement would say another for which I couldn't get an answer. I asked why would I not paid the extra {$23.00} to avoid them charging me {$38.00} as it doesn't make since. Then I asked can I not to rely on the information that is provided on the website and only on a paper statement, again receiving no response. I explained that I don't look at paper statements since most companies have gone completely electronic. I also explain why would I short pay my account when there is not one time in the accounts history that something like that has been done but no answer. Every question I asked was met with its on the paper statement. I even asked why have the information on the website if its not accurate or one needs to rely on a paper statement, again not response. My problem is if I rely solely on a paper statement and the website has different information which on is to be believed or does the bank get to pick and choose between the two in order to charge a late fee, by the way the account has not been late in well over a year and when its late its only due to the fact that I forgot and not that I have trouble paying the account

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 2021-04-29
Company: UNITED AUTO ACCEPTANCE
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Experian Information Solutions Inc.
State: DE
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 switched cell phone carriers from XXXX to XXXX. XXXX promised to pay off my XXXX cell phone bill, but they never paid the remaining amount, leaving an {$1100.00} balance on my credit file. I paid it down to {$200.00} because XXXX said they would delete it from my credit file, but they never did. Not only was I not responsible for the full amount, I paid it and still it remains on my credit. XXXX said they sent a XXXX XXXX with the balance but it got lost, and they said there is no way they will re send it. I was scammed.

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 2022-08-06
Company: BMW Financial Services NA, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Hello, BMW has received this vehicle and they're reporting it as an Account charged off. The Term of the contract was 36 months and they're reporting as 38 months. I paid all 36 months as agree in the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I HAVE MY NAME LISTED WRONG AND A LOT OF PREVIOUS ADDRESSES THAT ARE NOT MINE ALSO MY DATE OF BIRTH IS WRONG, SEE XXXX XXXX

Company response to consumer: Closed with explanation