BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-17
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
This is an official grievance against EXPERIAN situated in XXXX XXXX XXXX XXXX, TX XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. For starters, they're reporting a flawed & unverifiable account on my credit document and in addition an account in which I've called for substantiation of the claim and in which they have not been able to present, per the FCRA. 
For yet another time, the following are fraudulent and need to be removed : XXXX XXXX XXXX, ACC # XXXX Date Opened XXXX XXXX. 
XXXX XXXX, ACC # XXXX Date Opened XXXX. -XXXX XXXX, ACC # XXXX. Date Opened XXXX.- XXXX XXXX XXXX , ACC # XXXX. Date Opened XXXX.- XXXX Regardless of my goals to resolve this unpleasant nightmare for a number of months now, EXPERIAN has entirely ignored my interactions and legal submissions to delete this incorrect information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. Yet still, in some way, this company is still in business. This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX, I contacted Citibank asking to be removed from market materials. I continued to receive market materials a month later and filed a formal complaint with CFPB ( case XXXX ). Citibank sent me a follow up letter on XX/XX/XXXX addressing the complaint and confirmed that my name was removed from their marketing database. Around XX/XX/XXXX, I received market material from Citibank. On XX/XX/XXXX, I received additional marketing material from Citibank. I left XXXX XXXX a voicemail ( Executive Response Unit that was listed on the Citibank letter XX/XX/XXXX ) informing her that I have started to receive marketing material, which is in violation of their agreement with me. I also stated that I would again be filing a complaint with CFPB.

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 2021-10-15
Company: Chime Financial Inc
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Back in XXXX I was given XXXX from my mom insurance policy my mom passed XXXX I received the check direct deposit from my mom insurance company called XXXX. The only money I had spent out of my account was XXXX and that was on my all white XXXX XX/XX/21 XXXX I then began to start seeing small charges to my account I then contacted the bank Chime and explained to them whats happening and they told me they would send another card out and shut the old one off I said ok the next following night about XXXX I noticed a charge again for XXXX my card was turned off and my new card was also deactivated so how was a purchase able to come off I called and explain this to them threatened to move my money the next business day Chime had closed my account with the remaining of money in my account. Also with numerous of purchases on my account that I did not authorize please help me Ive reached out to them and also sent emails and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: Associated Credit Services, 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: Account status incorrect

Complaint:
I got an alert on XX/XX/2020, that Assoc Credit Services ( original creditor XXXX XXXX XXXX XXXX ) was in collections. I was so confused, I've never heard of this collection company. No one has called me from their company, I received no letters this just randomly appeared on my credit file. The very next day XX/XX/2020 I received another alert saying the debt was paid in full and the balance was showing {$0.00}. Ive called the number listed I was just put on hold multiple times. My final bill from the XXXX XXXX was paid DIRECTLY to them on XX/XX/2020. So of course the balance was {$0.00} I never owed them in the first place! Assoc. Credit Services had no right to report anything to my credit file since they saw that it was paid through the original debtor. This had NOTHING to do with them. The debt was paid and handled directly with XXXX XXXX XXXX. I am attaching that original receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
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:
Please help. In XX/XX/XXXX my data was breached and I have spent the last two years with countless hours and sleepless nights trying to repair my credit. I have been denied a refinance, a refinance cash out and equity. I have XXXX in equity of my home and we are in danger of loosing it because a bank or lending company will not help due to my credit being so bad from fraud. I continue to have fraudulent transactions and I am now requesting that the following companies remove all negative information and restore and reverse any damages to me since XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Usaa all accounts restored and any negative or incorrect information removed XXXX XXXX XXXX has been a darogtory account damaging my credit and have stated to pay them just to help my credit. Two years tying to resolve this account. 
Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I am requesting the XXXX payments from XX/XX/XXXX missed be removed immediately because they were missed due to identity theft. Please help! I am so scared that we will never get the help we need and it is so unfair that I can not get my credit restored after 2 plus years. XXXX should pay major restitution for ruining lives. Please, please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: National Enterprise Systems, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX claimed I owed a debt which I do not owe them. They reversed an old fraud charge to my account when I wanted to close my account last year. I recently opened a cfpb complaint because they were illegally denying me access to my financial statements. They have not responded to my complaint. They did, however, use my contact information from my complaint to update the collection of my account they falsely accused me of owing. They took my personal contact information from my CFPB complaint and are using it to harass me for a debt I do not owe. I'm not surprised, considering they did not protect me from fraud on my account and denied me access to statements of the account. They have no morals or ethics, whatsoever.

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 2020-06-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I pulled my credit report to find a XXXX account reporting that I never had. I contacted all 3 bureaus who's reporting this information, and i contacted verizon themselves. All 4 entities advised me that this account has been verified as accurate. The part that bothers me is that the account was opened in XX/XX/XXXX in which at that I was only XXXX years old as I am only XXXX right now. My birthdate is XX/XX/XXXX so there is no way possible I opened a XXXX Account at XXXX years old.. Is that even legal? 

There were also some other inaccuracies I noticed ... Can you please help me with this? ( Screenshot attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX Today I write to you about the abusive powers of customer service agent, What I speak of is not a horror story but yet a real life occurrence for procedural neglect. 

I purchased a new phone when my credit score was XXXX. 
A {$640.00} phone with a {$85.00} a month contractual agreement based n the fact that per the news channel my current Phone provider was experiencing satellite problems and 90 percent of my business is phone and internet based. 
A clever trap or castrated by time and monetary discrepancies. 

So in XXXX I plunged into a new contract with all the intentions of creating a better credit score upon completion. 
I was told by the agent on hand that the equipment could be returned in 14days if I was unsatisfied. 

Believe it or not, once activated the XXXX XXXX phone actually locked itselfA security feature that left me locked out. 
No incoming or outgoing calls so very strange. 

First Incursion When I took it back to the dealer, I was told that the unlock code was something that only XXXX XXXX could help me with. That he could not help me even though I just purchased the XXXX XXXX days ago. 

Second Incursion By the second visit I was a little spooked..When I approached the customer service agent he stated that there was a {$55.00} restocking fee, I agreed but was then told to wait as he recanted the statement after he spoke to the other agent .I was then told that I could not return the {$640.00} phone even though it was within the fourteenth day time period, and that I could not get a new one even though the old one was defective. Wow, what a combative customer service environment. I asked to speak with the manager and he told me he was the manager A guy by the name of XXXX..at least that is what his name tag said. 

Third Incursion By this point it was all customer service on the phone..where they told me to take the phone back to the store. Upon diagnostic of the phone they still could not decipher the code. 

Being a business identity I have sent this information as a prelude to sue.. 

This phone is used for my business and was purchased an listed as a business entity. 

XXXX XXXX XXXX XXXX As a sole proprietorship ... my business is suffering based on recent credit denials. 

Please listen to the following recording.

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 2019-08-31
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
THIS COMPLAINT IS REGARDING ACCOUNT NO. 
XXXX, A XXXX XXXX ACCOUNT CLOSED BY THE GRANTOR IN XX/XX/XXXX. 
DEAR MR XXXX XXXX, CEO I HAVE SOME UNFORTUNATE NEWS REGARDING YOUR COMPANY : YOU HAVE EMPLOYED AN XXXX WHO ANSWERED THE LAST XX/XX/XXXX CFPB COMPLAINT WITH 31 PAGES OF  XXXX.YOUR EMPLOYEE IS THE ONLY ONE WINNING, DRAWING A SALARY FROM YOU FOR INEPT, CONFUSED RESPONSES TO THE CFPB. 
THESE ARE THE SIMPLE FACTS : I HAD ABOUT XXXX DOLLARS IN CHARGES MADE BY SOMEONE ELSE WHO WRONGFULLY GOT A HOLD OF MY PRIVATE ACCOUNT INFORMATION AND CREATED A FRAUD AGAINST YOU AND ME.YOU FORGAVE THE DEBT, WROTE IT OFF OR WHATEVER ... ... ... ..YET YOU ARE HOLDING ME RESPONSIBLE FOR 30,60,90,120 DAY LATES ON AN ACCOUNT YOU PAID OR FORGAVE OR WROTE OFF DUE TO THE FRAUD. 
THIS MAKES NO SENSE WHATSOEVER. 
I HAVE 50 YEARS OF PERFECT CREDIT OTHER THAN THIS ACCOUNT.I HAVE XXXX AND AM BUSY FIGHTING IT.IM SORRY YOU, MR XXXX HAVE HIRED A CONFUSED XXXX BUT THE BUCK STOPS WITH YOU. 
PLEASE TAKE CARE OF THIS, I HAVE ATTACHED MY FTC IDENTITY THEFT REPORT REGARDING THIS ACCOUNT. 
SINCERELY, 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 2018-08-28
Company: Motolease, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have had an auto lease with Motolease LLC that was closed last year. However, for some reason they still report that this account is active and past due. This is not correct information reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: Experian Information Solutions Inc.
State: IN
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 am getting the run around, from my vehicle finance company and the 3 credit bureaus. I would like for some assistance. I have a good standing account. that should be reporting. The lack of this reporting and inaccuracy is hurting my creditworthiness. I have spoken to 2 of the 3 credit bureaus. Yet again! getting the run around! 

Please let me know what CFPB cant do to help. There is a mistake on someones part. I need help making it right. 

Date of notice from seeing FICO ( XX/XX/XXXX ). Date for contact to finance company ( XX/XX/XXXX ) Date of communication with finance company representative ( XX/XX/XXXX ) Date of contact with Experian ( XX/XX/XXXX ) Date of contact with XXXX  ( XX/XX/XXXX ) I have not been able to reach XXXX. They are unavailable over the weekends

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 2020-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
CFPB Complaint Against Capital One XX/XX/XXXX Capital One has repeatedly failed to honor MasterCards Zero Liability policy for disputed and fraudulent transactions by refunding charges for products that were neither delivered nor received. 

After XXXX XXXX. ET on XX/XX/2020, Capital One rebilled {$99.00} for a disputed transaction on a product ordered that was NEVER received. A fraudulent ad was posted on XXXX by the XXXX XXXX on XXXX. The fraudulent {$99.00} charged later appeared as a company named XXXX XXXX. Neither the weights nor the weight bench that was ordered were ever received. NO DELIVERY VERIFICATION WAS EVER PROVIDED BY CAPITAL ONE AS NO DELIVERY WAS EVER MADE. Despite the fraudulent charge and no product delivery, Capital One wrongly rebilled {$99.00} to the account and failed to honor MasterCards Zero Liability policy. 

The prior week, Capital One promised to provide credits in the amount of {$61.00} that XXXX charged prior to a Major League Baseball season that never started and {$110.00} for XXXX whose season was also interrupted by COVID-19. Although both credits were promised a week ago by Capital One, the company never provided either credit. 

Capital One also previously failed to honor MasterCards Zero Liability policy for disputed and fraudulent transactions when XXXX XXXX  charged {$540.00} for an appraisal that was only to be authorized when the banks mortgage approval was conditioned only on such an appraisal. While XXXX XXXX  officer, XXXX XXXX XXXX and her manager, XXXX XXXX both guaranteed that no appraisal would ever be ordered unless XXXX XXXX XXXX approval was conditioned only that appraisal, the bank declined the loan and then processed the appraisal charge that was never authorized per the agreement of both XXXX and XXXX. 

Capital One has unjustly charged a total of {$810.00} and has failed to honor MasterCards Zero Liability policy as none of the products charged for were ever provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-20
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello Sir or Madam, In XXXX I made a payment that brought my loan to value amount of the home to a fraction under 80 % and submitted a wavier request to PMI. Upon that payment I was informed that due to the calculated interest at the end of the month the Loan to Value would go above the 80 % by a fraction and denied my request by early XXXX. Upon denial, in early XXXX proceed to add funds to ensure that the Loan to Value would never go above the 80 % and resubmitted in application for removal of the PMI with no response. After multiple attempts and phone/email and speaking with several agents over months my PMI was finally removed the PMI for my XXXX Payment months later. Thus I have been charged unneeded PMI for the months of XXXX to XXXX. I feel my effort in dealing with this issue has been tedious. I worry that if they do this to me, who else it is done to, in other to earn or take a little extra. The PMI charge is XXXX each month. Chances are the issue will be resolved in two weeks, ( their response rate, if they respond ), but the effort required has already me issue a formal complaint. The company in question is Flagstar Bank. 

Best regards, Concerned Citizen

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 2021-06-25
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account after having several transfer issues leading to refunds and they will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. This happened in XXXX XX/XX/2021. Basically I would transfer personal funds. During my first days all would go well. Unfortunately some transactions later, PayPal would first give me error messages then later would send but on the receiving party they would not receive anything. This would result in me requesting for a refund after agreement with receiving party. It went on and on and unfortunately my account shut down before i could reach out to PayPal. It had approximately {$48.00}. Im currently in XXXX and {$48.00} is quite a lot here hence it was a huge blowout to me. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a letter from Bank of America at my home to sign up for a Bank of America checking account and I will get a {$300.00} bonus after {$4000.00} was deposited into my account via direct deposit from my employer. 

I open my account in XXXX of this year and met all the requirements by XXXX but never received my {$300.00} bonus. 

After finally getting someone on the phone they say that they couldn't find any bonus offer for me and then told me I will have to wait 30 days for them to look into it and send {$100.00} when the offer was for {$300.00} not {$100.00}. 

I was advised if I could find the letter which was several months ago I could take that to a branch I might would send it to the XXXX area but of course it's been since XXXX and I no longer have that letter.

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 2020-04-27
Company: NCB Management Services 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:
Agency agreed to a pay for deletion on this account. Account has been paid in full as agreed between myself and agency.

Company response to consumer: Closed with explanation