BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
My Capital One credit card has been charging me late fees, and interest when I increased the amount that automatically comes from my bank account. I had increased the amount to make sure that I would not have any problems with late fees and other charges against the credit card. I notice that in XXXX and XXXX the amount changed back to {$100.00} when I purposely increased amount to {$120.00}. When I checked my credit card statement it shows {$100.00} instead of {$120.00}. I believe that Capital One changed the amount of my automatic payments so they can charge me interest and late fees. 
I was paying late fees on {$1.00} over the amount of the auto payment. A late fee and interest was {$38.00} dollars. This month it was {$38.00} for over the auto payment amount of {$5.00} dollars. This causes my credit card amount to increase in interest and well as late fee charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-16
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC Systems Inc is attempting to collect a debt not owed. I contacted the original creditor " XXXX XXXX '' " partial account # XXXX '' as listed on my credit report and they were unable to verify any account in my name. I am requesting immediate removal of this unverified account per FCRA guidelines from any and all credit reporting agency/service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX  has charged off on my account under false pretenses without my knowledge therefore that is a violation of my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a request for investigation of a XXXX XXXX XXXX XXXX, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified that I have never had a late payment. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v TransUnion, XXXX v. XXXX ( XXXX ),  and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: EQUIFAX, 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 was reviewing a copy of my credit report after the equifax breach for accuracies. Noticed an account I did not recognize. I felt this account was in error so I wrote the company, attached is the response letter they sent to me. In the letter I attached a copy of my social security, id, and copy of my credit file. Per the letter the company was unable to locate my information and advised me to contact the reporting agencies to get the matter resolved. I contacted the agencies and they were unwilling to cooperate with my request even after i uploaded the letter online for them so they could view this letter. I have done everything in my power to follow the correct procedures to get this matter resolved, and yet as I type this the incorrect account continues to remain on my credit report. Thank you for taking your time to read this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: ALLY FINANCIAL INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XX/XX/2017, Ally Financial ( via XXXX XXXX XXXX now XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.

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 2020-12-13
Company: Bread Financial Holdings, Inc.
State: FL
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:
I have a credit inquiry on my report from XX/XX/20 from XXXX XXXX. I do not have any accounts with them. I have reached out to them and XXXX to have this resolved but have been unsuccessful. I did NOT personally guarantee any account or credit with them. May, I please have this matter looked into and have proof of any " wet signature '' where I, XXXX XXXX gave authorization to run my credit. Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: BB&T CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I reached out to XXXX XXXX XXXX because my auto loan is 4 months behind and I have retained an attorney and am in the process of filing chapter XXXX bankruptcy. I told them I was voluntarily surrendering the vehicle back to the company and they transferred me to the correct department. I verified my identity and gave the representative my attorneys information and answered all questions in regards to the vehicles location and mentioned it is ready for pickup ASAP. Prior to this call I received numerous calls and emails from a XXXX XXXX with their XXXX XXXX XXXX. Now, two weeks after providing information and requesting the voluntary surrender of the vehicle, I have began to receive harassing messages and calls from XXXX XXXX again.

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 2019-04-03
Company: Experian Information Solutions Inc.
State: FL
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 submitted a request for investigation of a XXXX 's XXXX XXXX, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified that I have never had a late payment. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.

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 2018-03-23
Company: LEXISNEXIS
State: IL
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:
Factual data has a lot of innacurate information reporting codes for collections that don't even match my information this report is from XXXX XXXX no XXXX XXXX XXXX or XXXX XXXX or a XXXX XXXX judgements that do not even belong to me .they keep altering my identity my name is XXXX XXXX XXXX name XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: U.S. BANCORP
State: TX
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:
In XX/XX/2018 XXXX XXXX XXXX closed my account without telling me. I continued to make my monthly payments thur XXXX 2018 when I made my final payment of all my money that was charged before XX/XX/2018. Since then until even now I am being charged late fees on their interest over and over which are not my charges because my account is closed and I can't make new charges???? But they say I am being charged for no payment on charges I made, how? when it is closed? I would like this stopped now please or else. 
XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX  of this United States of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: CREDIT ACCEPTANCE CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX XXXX ( loan company ) and XXXX XXXX ( seller ) both claim the other has to change the due date, which is necessary because I continue to receive the my pay check by actual check on the day the loan as due. If the check comes in late, which it frequently does, the check does not clear until the next business day. 

The Loan company charges extra for payments on their website without bill pay XXXX XXXX, first claimed they could extend the due date every six months but not change the date. They claimed the seller could, the seller claims they could. I made this call on the XX/XX/XXXX. 

They extended it until this month and called before XXXX XXXX local today to complain that I had not made the payment. Now they will only extend it to XX/XX/XXXX. And after that they will do it only month by month. 

And continue to call before XXXX XXXX local

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 2019-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi, I was actually talking to a representative from XXXX XXXX XXXX and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it. Yes, if it has been 30 days since the final payment resolving your account successfully posted, XXXX requested the credit reporting agencies delete the XXXX tradeline related to your account from your credit bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are attempting to payoff our mortgage. However, our attorney did a title search and discovered our original mortgage company ( XXXX XXXX XXXX ) sold our mortgage to two separate entities. The timing of these sales of mortgage were close enough together that a title search would not have revealed the prior sale. 
Currently, we have deposited the funds ( {$79000.00} XXXX to payoff our mortgage with our attorney pending satisfactory resolve of this issue. These funds are being held in his escrow account. The problem is the payoff supplied by our lender was only valid through XX/XX/2021 and the servicer ( Select Portfolio Servicing Inc. ) failed to answer how this matter would be cleared up. Instead, they simply indicated who one of the mortgage owners are. 
To date, Select Portfolio Servicing , Inc. has failed to answer us or our attorney as to whether both mortgage owners will file a satisfaction piece once our mortgage is paid off. Our concern is the servicer will attempt to add additional fees, late charges and/or adverse credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my account w citizens in XXXX online through the link that promised me XXXX if I met all the requirements which I did and another XXXX dollars for every debt card transaction for the first 60 days up to XXXX dollars. Amount was supposed to be paid to me XX/XX/30, still have not gotten my bonus, customer support is awful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-11
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is my second complaint filing with the Specialized Loan Servicing. I have been dealing with them for a year now since the pandemic began to try and get my loan modified. I own a small business, a bakery, that has suffered from the pandemic and was in need of mortgage relief. I sought a forbearance early on, was denied, and then finally received one. After additional requests I received a forbearance for 12 months. 

I have sought to modify for my loan repeatedly for months. I have sent document after document, spent hours on the phone, been yelled out, lied to and hung up on. I have received the same letter requesting the same documentation. I have sent the same documents over and over. Even though I have repeatedly said I can get help paying my mortgage so that I can keep my home, my modification was denied twice because I missed the " parameters of the program '' by 1 %. I begged to speak with someone who could help, make decisions about my case. Every letter that was sent to me included the name of someone and a teller number, but I was never permitted to actually speak to that person. There is never a direct line or extension number. While I have been transferred I nearly always am hung up on when I am transferred. 

Following my last complaint to CFPB, I received the explanation of why I was denied the modification, and then received the exact same forms to apply again. The letter to this regulating body included the name of another " teller '' and included the number to " XXXX XXXX  '' should I have any questions. The " XXXX XXXX '' number goes to voicemail automatically. A human being never picks up. I left a voicemail BEGGING for a callback. I never received one, even though the voicemail promises a callback within 48 hours. I continue to struggle to speak to a human being that can make any definitive decisions regarding my mortgage, which will no longer be in forbearance as of XX/XX/XXXX. 

I am again filling out a modification request. i am including documentation that I can get monthly help. If I COULD JUST SPEAK to someone when I fill out this application, I'm sure I can qualify for a modification given THAT IC AN GET HELP PAYING MY MORTGAGE. I don't understand how this is not preferable than my foreclosing.

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 2021-09-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am in total disagreement with Credit Bureau investigation response. The fraud items listed below still appear on my credit report, even after their investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
1. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report 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 2017-12-02
Company: Comerica
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XXXX XXXX, 2017 a withdraw of {$700.00} was taken out my card from an ATM in another state. I called XXXX XXXX, and a woman by the name of XXXX took down my information she stopped the card and told me she will send a different card. XXXX was the one that told me where it was taken out of. XXXX was transferring me to level 2 to dispute the money, I was on hold for a few minutes the phone hangs up on her end. I try calling back and nothing its been hard. So now I do n't know what to do. I even called social security because the card was provided by them, but nothing all they told me was to call the card. That was my rent money and to buy groceries.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I did not authorize anyone employed by XXXX/XXXX  OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX  did, and this in addition to several other inquiries started after the XXXX data breach publicly known.

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 2018-08-31
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  XXXX XXXX Missouri is being reported on to the file that your company maintains up under my personal information. I have never had an account with XXXX XXXX XXXX. The document with the electronic signature does not belong to me and its not my signature. I've also asked that you provide Driver license or anything that was used when the person acting as me entered your bank. An electronic signature look as though it was obtained thru an online portal which I did not authorize or take part in. This account is a direct result of identity theft and I am requesting that it be removed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

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