BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-31
Company: CBC Companies, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorize inquiries on my credit report that XXXX refuse to investigate properly. I did not authorize these companies to pull my credit iinformation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have permanently opted out of receiving pre-screened credit offers over a year ago and I continue to receive offers, in my name, most recently from Capital One for their Venture One Card. I am diligent about opting out of every possible marketing program and contact list, be it by mail, phone, e-mail, web, carrier-pigeon or smoke-signal. I, very intentionally, do not want to receive any unsolicited offers or be marketed to. At all. Ever. I view these programs as a threat to my privacy, my identity and my financial security. Additionally, these offers are an unwanted and obtrusive interruption to my personal business and piece of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a credit card with Capital One Bank, the account is reporting to XXXX and XXXX only. When I called Capital One Bank, I was told it should be reporting to all 3 credit reporting agencies ( XXXX, XXXX, XXXX ). I was told the issue would be fixed and the card should be reporting to XXXX as well. However, Capital One Bank put a " dispute '' mark on the account with XXXX  and XXXX. The account was not disputed when I contacted Capital One Bank. The account is still not reporting to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: Netspend Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received a Netspend prepaid XXXX card as a XXXX  gift in XX/XX/XXXX. The purchase date is unknown. The person that gifted me the card did not include the cardholder agreement. Upon attempting to activate the card on the Netspend website on XX/XX/XXXX, I was given an error message and instructed to call the customer service line. Upon making contact with a customer service agent, I was informed the card expired on XX/XX/XXXX. The card states it is " GOOD THRU XX/XX/XXXX '', which I pointed out to the agent, who informed me the card has a 120 day expiration ( she did not explain what the expiration was or why it expired ) and the date on the card is the shelf life of the card. When I informed her the card was never activated and there was no indication of an expiration date on the card, I was told I could be issued a check but a {$4.00} fee would be deducted from the card. I requested the fee be removed as there was no indication on the card itself of any fees or expiration dates associated with the card. She told me there was no way to remove the fee, so I asked to speak with a supervisor. She informed me I could not speak with a supervisor as everyone was taking calls and the supervisor would not be able to assist with removing the fee. I asked her to put me on hold to wait for a supervisor and instead of being put on hold I was rerouted to enter my card number for activation. I entered my card number and received a message that my card was invalid and the call disconnected. After the call ended I searched the website for a cardholder agreement and was unable to determine which cardholder agreement was associated with my card, as there were many options but no indication of how to find the long form ID that would indicate which agreement to choose. There is nothing on the website to show there are expiration dates associated with card activation or that the date on the card is the shelf life. All I request is to receive the full {$50.00} amount I was gifted.

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 2021-10-31
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:
I disputed one XXXX XXXX various times on XXXX, XXXX, and XXXX with Experian do to account being fraudulent and it still showing up on my report.

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 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
At approximately XXXX XXXX XXXX on XX/XX/2020, I accessed the TransUnion credit freeze page at : https : //service.transunion.com/dss/login.page to unfreeze my credit score in preparation for taking out a mortgage. 

Upon logging in to the page using my previously established TransUnion account credentials, I was presented with my current credit report status ( frozen ), and options to unfreeze my report. I selected the option to unfreeze my report. 

However, after the process completed, my credit report was unfrozen without ever requiring me to enter the previously setup freeze pin to secure my credit 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 explanation
Consumer complaint received 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX filed ftc 45 days ago

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: DISCOVER BANK
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX charged my credit card WITHOUT my knowledge or permission and charged double what I paid last year. This is clearly a SCAM and I should NOT be charged for the service. I have asked that the original charge as well as the interest and other fees be removed from my credit card but discover has refused. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX CARD - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Ive disputed inaccurate information multiple times with all bureaus to get the same result the two bankruptcys on my report are totally inaccurate and need to be removed immediately.Where is this information being verified? Between all bureaus the information is different names and reporting dates .Being said this grounds for removal per FCRA! Please Remove immediately!

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 2018-07-07
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
XXXX XXXX XXXX Open XX/XX/17 Amount XXXX Account balance is XXXX account is paid in full

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I got a Synchrony Bank Credit Card from Mattress Firm that I used to purchase 3 mattresses, pillows and mattress protectors. 
I did this purchases in 3 different transactions, 2 the same day, 1 some weeks after. 
All this was bought with a promotion of no interest for 18 months. 
For a reason that I can not explain the CreditCard decided to apply my payments in a way that one of the promotions was affected more than the other and therefore I end up paying one the the purchases faster thats the other. 
After that I realized some months later that my balance had a spike when I purchased nothing new. I suspected of fraud to only realize the credit card decided to charge me interest for more than 200 going back to original purchase day as I did not realize my payments were applied in a way different than I expected. 
All in all I was charged {$230.00} on interests. 
I called Synchrony bank several times. Spoke with agents and Manager and they basically told me they were in the right of charging me interest and therefore they do. 
Totally upset with Synchrony, awe full experience. 
I look forward to recover my money that was charged on interest and close all my synchrony accounts. 
Hopefully some exemplary measures can be taken agains them so they do not take advantage of people.

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 2018-07-07
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/18 XXXX {$39.00} XXXX XXXX {$34.00} XXXX {$11.00} XXXX {$34.00} XXXX   {$14.00} XXXX XXXX {$56.00} XXXX  {$710.00} XXXX {$110.00} Dispute was denied by the bank

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 2020-11-13
Company: JPMORGAN CHASE & CO.
State: AZ
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:
On XX/XX/2020 I purchased a product on my credit card ending in XXXX. Chase Slate Visa. {$72.00} Company name/info : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX NV, XXXX, XXXX & XXXX, Product has never been received. Tracking number company provided per XXXX is NOT a valid number. Company not able to provide docs to prove item was ever shipped/received. 
I have been attempting since XX/XX/2020 to receive a credit on my credit card from Chase, but to date Chase is refusing to issue a credit. 

I should not be required to pay for any item not received. This is clearly FRAUD. 
PDF attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-02
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Dear who May Concern, I leased the XXXX XXXX XXXX, and I did set up an ACH automatic withdraw from my checking account for three years. Suddenly, the system stopped withdraw my money and reported delinquency to the bureau Agency. My lease was expired in XX/XX/XXXX, and there was a lockdown for a pandemic. That is why I couldn't return the vehicle, and they continuously ask for payment and late fees. I did contract XXXX XXXX few times to remove the delinquency on the bureau, and they responded, " there is nothing I can help, and you have to contact bureau agency, '' ; even though I had to make full payment on XXXX, XXXX and XX/XX/XXXX. I contacted XXXX  to dispute, but the result remained the same because XXXX can't contact XXXX XXXX. I couldn't reach the XXXX XXXX credit dispute center either because there is no contact phone number. I had an excellent 800s Fico, and it dropped to 600s because of XXXX XXXX ; they are violating UDAAP-Unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Home Point Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our lender did an escrow audit on XX/XX/21 which showed a surplus of over {$3600.00}. I called on XX/XX/21 about the refund check and was told it was still in process. After telling the representative that it legally was meant to be returned to me within 30 days, she spoke to a manager who told her to say it had been mailed out on XX/XX/21. We still have not received a check as of XX/XX/21. This is in line with their same practices from last year as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Titlemax claims they haven't received a payment that cleared my bank on XX/XX/2020. I had made the payment on XX/XX/2020 and tried to stop payment because I was broke, but I was unsuccessful. Titlemax still received the payment, but they are claiming my bank is withholding the payment due to fraud. Today I went to my bank and got proof of payment. I was trying to pay the loan off and get my title back, but they refused to let me pay it off and get my title back, stating they have still not received the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: American Accounts & Advisers, Inc.
State: MN
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:
XXXX  these people are saying its you who removed the account and then added it back on this is a violation of the The FCRA the law is clear anytime you remove an account and then re add it back to the report you must and shall send written Notification of the reinsertion within five business days this account can no longer report Im sorry I have sent you both physical and factual proof that the account was removed and then Reinsert therefore you have to remove it. I mean the information is there and clear both of you explain what the XXXX do you think new collection verses removed come on man there it is in XXXX black and white quit with your XXXX you guys needs to figure out who is going to be the one to delete it YOUR COMPLAINT XXXX no Im not happy I need to know who removed American account from the file? I need physical proof if youre on able to provide that information you need to remove that from the collection account this is considered on verifiable I need to know which one of you removed immediately View full complaint Sent to company STATUS Sent to company on XX/XX/2020 We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company responded STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response As a rule we send deletion requests to XXXX  credit bureau when an account is paid. We do not show a removal and a re-report of an account for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2019 Ocwen Loan servicing 's attorney contacted my bankruptcy attorney claiming not receiving payments for XXXX thru XXXX when I have documentation printed from their web portal showing payments received. They also back date Monthly mortgage statements for the purpose of appearing in default. This company retained attorney XXXX here in XXXX to represent them in foreclosure proceeding and the only thing saved me was the print outs from their web portal showing payment received and next payment due. After using this tool, payment confirmation letter, they removed that feature from their web site. My monthly payment was XXXX including escrow and I paid over the amount monthly. So exhausted over these tactics. They are also changing the escrow balance and always making the account in the negative. I had an expense of {$4100.00} in XXXX thru XXXX when the AC unit died. As a result both the wall unit and the outside unit had to be replaced. I only have liability insurance thru the mortgage company therefore having to pay this expense out of pocket in various payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: ID Analytics, Inc.
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: Personal information incorrect

Complaint:
Applied for a credit at XXXX. And recieved a letter 10 days later from XXXX  XXXX  that the credit bureau, Sagestream , LLC, reports that I am deceased and credit denied. Called Sagestream, because I am NOT deceased and they refuse to help. Called the bank and they recommended calling sagestream. Is this even a real credit bureau?? The bank rep said she never heard of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: OLD NATIONAL BANCORP
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I took out a loan in 2018 with First Midwest Bank They transferred my loan to Old National bank I can not get any call backs or appointments The phone hold is over 60 minutes No One is answering and helping me with my concerns This is ridiculous I have been trying for a month NO HELP I need to have someone from Old National bank call me or e mail me or give me a number I do not have to hold for 60 minutes

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 2021-10-04
Company: USCB, 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:
i don't know who this company is and they are claiming it's kaiser debt but i pay XXXX directly XXXX, i don't owe them any money as i have always been current with kaieser

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I told XXXX I couldn't pay my bill as the XXXX  service did not work where I live. No Internet service at my lot I'm renting. Internet service provider took away service after many attempts to fix Internet issues. I called XXXX and finally got ahold of a guy that said he could help if I just PAID {$6.00} a month for 9 months. That's exactly what I did. The next thing I get is phone calls from Convergent wanting an early termination fee of over {$500.00}. If I can't pay my bill, how could they get over {$500.00} from me. I got calls from Convergent all the time, so I blocked them. Now I have a stain on my EXCELLENT CREDIT score and I want it removed. My score dropped XXXX points because of XXXX XXXX said they couldn't do that. I told them to read their notes. XXXX sent me a return box for their TV box for the house and I sent it back. That was a couple months ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation