BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-28
Company: Experian Information Solutions 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:
Hello I've noticed that there are addresses that aren't mine this is very alarming to me I have attached my identification with the only address and name that should be listed on my file I am a XXXX and my file may be mixed up with my father or worse a stranger

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 2017-11-27
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I received notice that my Citi credit card was locked for potential fraud. I reviewed my statements and there were no charges or activity that was out of the ordinary. I called and spoke to a representative who informed me the issue could not be resolved unless I called off a land line, he stated my work phone would do. I called from my work phone and the next representative I spoke to said if the landline was not maintained by me then they would have to send me a letter that would take 7-10 business days and after I received that my card would be unlocked and able to use again. I called and talked to another representative and I explained that this is serious and there has to be another way to verify i.e. social security number or the bank account number I use to pay the credit card. He said the bank account number and verifying my last 4 charges would suffice. So I verified and all was " good to go. '' He told me to disregard the letter that the rep I spoke to prior mentioned. After my work day I went to use the card and it was still declined. I spoke to a supervisor who said they would call my work phone the following morning to resolve ( I never got the call. ) I spoke to another supervisor who said his manager would call me within the hour ( I never received that call. ) I called and finally got through to a manager who said that there was nothing he could do because I had been flagged for MULTIPLE fraudulent activities. I asked him what triggered this as there are no charges out of the ordinary. He could not answer. He said an " investigative team '' would review that and then I asked if after review I could get a printed copy of the " flags '' sent to me. He stated they would not do that. He explained that the original letter that was being sent to me would be expedited and I needed to follow those instructions. I asked in his experience as a manager, what is the time frame for something expedited. He could not answer. I informed him that a manager was to call me the following morning on my work phone and he assured me that when she called it would be resolved. I asked what if it was n't he said ask to be transferred directly to a manager. I finished my work day, never received the call, called from my cell phone explaining everything that happened in the past 24 hours and spoke to a manager who said if she could call someone at my work and give them a reference number which they could pass on to me, it would be cleared. She said she personally would call me back in 10 minutes. I never received a call. This all started on Tuesday morning XX/XX/XXXX. It is now Monday XX/XX/XXXX and I still have not received a letter, no one has contacted me and I am still without a credit card.

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 2022-08-08
Company: GOLDMAN SACHS BANK USA
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for an Apple Goldman Sachs credit card last month. The sign-up bonus is that within 30 days of opening the card, if the spending reaches {$75.00} or more, my credit card account will receive a statement of {$75.00}. 

On the XXXX day after I opened the card ( that is, XX/XX/XXXX ), I spent {$790.00} to buy a mobile phone ( the credit card add {$75.00} to my account and 3 % cashback rebate {$23.00} totaling {$98.00} back to my credit card ) when I pay {$790.00} ). 
, and then I spent another {$150.00} at the supermarket, after that I felt that the phone was not easy to use, so I returned the phone, but since I returned it, they I forfeited the {$75.00} and the {$23.00} cashback at the same time. 
Within 3 days of opening the card ( meeting the XXXX requirement ), even after deducting the {$790.00} before the return, I still spent XXXX ( meeting the requirement of the consumption amount of XXXXXXXX XXXX ), and the credit card customer service insisted that they would not give me the opening bonus of {$75.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-20
Company: Resurgent Capital Services L.P.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a XXXX XXXX credit card. It was a secured card. I was unemployed and tried to catch up on payments and work out a payment plan to keep the card open but they refused and sent me to collections. This account is now closed and they are demanding payment. It is with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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'm re disputing the following unauthorized accounts opened up in my name .Accounts inwhich the 3 major credit bureaus are reporting but has not validated their reportings with certified physical documentation but yet relaying on electronic Verification inwhich could be altered or manipulated. As a consumer within my rights as guaranteed by the FTC and the FCRA I'm demanding that these accounts be blocked immediately or the 3 credit reporting agencies provide me physical documentation as well as a detailed Method of Verification used in this instant investigation. Please block these accounts .... ( 1 ) XXXX XXXX {$640.00}, ( 2 ) Public Record {$0.00}, ( 3 ) XXXX XXXX, ( 4 ) XXXX XXXX XXXX, ( 5 )  XXXX XXXX XXXX XXXX,, ( 6 ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: PRESTIGE FINANCIAL SERVICES INC
State: ID
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 could no longer afford any of my bills and had to file for bankruptcy. i need this removed from my account its been 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have already submitted proof that I paid this bill, but they continue to harass me. They sent me TWO different letters, both dated XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have an American Express Bluebird card. I have fraudulent charge disputes. XXXX from XXXX, XXXX from XXXX, XXXX from XXXX. These charges cleared my account on XX/XX/XXXX and XX/XX/XXXX. 
According to Bluebirds Customer Agreement if it takes more than 45 calendar days to look into charge disputes they will give me a credit to use after 10 days business days. 
I called multiple times and they are denying my request. I understand that it will be XX/XX/XXXX before I could hear back about the investigation. I did NOT make these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Experian Information Solutions 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:
On XX/XX/2018, I filed a complaint with CFPB against Experian ( Complaint No. XXXX ) regarding an incorrect balance on an account. Experian responded that they would update my credit report to reflect the correct balance of {$0.00}, but instead they changed the balance to " Not Reported. '' There is no balance on that XXXX account. XXXX submitted a XXXX to the IRS, which means they CANCELED the debt. I have paid taxes on that amount as earned income. The balance should be XXXX DOLLARS. To say " Not Reported '' implies that there is a balance and it just wasn't reported. This is misleading. I want Experian to do what they already said they would do and list that balance as {$0.00}. 

I am attaching a copy of my original complaint showing Experian 's response in which they agree to update my balance to {$0.00} and a copy of the updated credit they sent me which does NOT list my balance as {$0.00} ( please see page six of the credit report ; I highlighted the relevant part ).

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 2019-04-28
Company: COAST PROFESSIONAL INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Basically, the account has been mishandled from the beginning, terms werent clear. I feel the loan was deliberately prolonged in order to assess more fees and interest. I am leery as to making any type of agreement. I dont believe my case is being handles without prejudice and the information is incomplete or inaccurate. I am currently a XXXX XXXX XXXX and this is effecting my progress. There have been more attempts to collect and little to no attempts to resolve or settle. I am conserned the school i was attending misappropriated funds or even neglected to return proceeds ; Without my knowledge or consent. The debt is 12years old.

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 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
XXXX  and TransUnion have been reporting these fraudulent accounts under my name XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXXXXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts.

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 2018-03-20
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
On or about XX/XX/XXXX, I received a business loan from American Express Company. The loan amount was {$15000.00} and the proceeds were transferred to a credit card in my name. Unfortunately I provided an incorrect account as the transfer resulted in a large overpayment/credit balance. 

This then triggered a return of the funds or a partial return as some of the funds were in fact used to pay off the balance that did exist on the receiving credit card account. This electronic transfer of funds back to the Payer - American Express was executed on at about XX/XX/XXXX. While American Express has confirmed receipt of the monies on or about XX/XX/XXXX, they still have not applied the monies to my " outstanding balance ''. They have contacted me on at least two occasions to apologize and reassure me that they are trying to track down the returned funds. To date this has not happened and I remain with an outstanding loan balance which is inaccurate, an inability to request a new loan and a credit score that is adversely impacted by this AND I am unable to use the funds that were originally requested, approved and issued. 

Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Home Point Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage loan that is serviced by XXXX XXXX XXXX. XX/XX/XXXX, I contacted XXXX to inform them that I was switching home insurance carrier and that I would be paying the annual premium of XXXX. I requested a new escrow analysis to determine my new payment amount. In addition, I send them a check for {$1900.00} to reimburse them back for the payment that was made to the previous XXXX carrier. As of today, I have not received a copy of the new analysis or what my new payment would be. I contacted XXXX again on XX/XX/XXXX. I spoke the CS manager and she manually calculated the new payment to be XXXX, however I informed her that the online statement was XXXX. I requested XXXX   reimburse me back the XXXX which was authorized and I would receive the funds in 5 business days. I have grown frustrated with the XXXX due them not being transparent about what my new payment will and the more importantly, the fact that they are still taking including the XXXX in the total monthly payment, even though I paid the full annual premium. The told me that if I pay the premium amount, a new escrow analysis would be conducted and my monthly payment would be reduced and not include XXXX. I felt like they have misinformed me and haven't not very helpful or transparent in addressing my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Creditor refuses to delete incorrect and outdated data to the three credit reporting agencies.

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 2021-05-10
Company: ENCORE CAPITAL GROUP INC.
State: KY
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:
My name is XXXX XXXX and I am a case XXXX for the XXXX for XXXX and XXXX XXXX in the state of Kentucky. I am XXXX XXXX 's case XXXX. XXXX is child who is a ward of the state of KY. She has debt on her credit report for {$590.00} that is owed to Midland Funding XXXX This is incorrect as she is a minor and does not have any legal financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Bronstein & Weiss Arbitration
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
This was not a loan I took out but someone did in my name. I paid it off b/c I was being threatened with lawsuits and arrest. They knew too much information and I work in a position where I couldn't have someone just show up - so decided it was best to pay it off and then figure it out from there. 
I am still getting calls from this number XXXX, from a XXXX XXXX, saying they will be at my place of residence or work tomorrow, XX/XX/18 between the hours of 2-4 and if I can't be found would look for my ford focus. They are claiming to be from XXXX XXXX County Courts and it's part of state statue. I called over to the XXXX XXXX County PD and XXXX XXXX County court and no one with that name works there.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-20
Company: SYNCHRONY FINANCIAL
State: TN
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 's client XXXX XXXX is a victim of ID theft. His information was used without his consent to apply for an account with XXXX XXXX. The account was not opened however the application yielded a fraudulent related inquiry on his XXXX credit report XX/XX/XXXX. An official dispute of this inquiry was sent to XXXX XXXX XX/XX/XXXX via their fraud department fax number however as of this date they have failed to remove the fraudulent information from the credit report, which is a violation of the FCRA.

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 2018-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 use a number of financial management applications that leverage fully legal financial aggregation services to pull my checking, savings, and credit account information together. Over the course of the last month, Capital One has taken an active role in blocking my ability to use these 3rd-party services with my data stored in Capital One 's systems.

I am filing this complaint in response to discovering that this was not just impacting me, but all Capital One customers -- My financial data is my own and I should be permitted to use my data however I so choose, not just in the prescribed, highly restricted access Capital One offers.

In calls with Customer Service, I was told that this restriction is put in place for my own protection, however that is not Capital One 's place to be able to make that distinction -- I get to choose where I bank, how I bank, and with whom I share my banking information. I get to vet the security of a given service not Capital One 's one-size fits none approach they have taken by blocking all 3rd party access to my financial data, be it through financial aggregators like XXXX, or XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: RoundPoint Mortgage Servicing LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I contacted them re my property taxes for XXXX which had not been paid and were delinquent. I was told to send them a copy of the bill which I emailed to them that day. I was told the taxes would be paid on XX/XX/XXXX. As of this date XX/XX/XXXX they have still not been paid. I have called them numerous times, the last time on Friday, XX/XX/XXXX, and was told they would overnight the payment. A check this morning with the XXXX XXXX tax office shows that payment has not been received. The amount for the taxes is in my escrow account and has been since XX/XX/XXXX when I closed on the property. 
I was on hold the last time for an hour and was assured that the taxes would be paid promptly. I am told the same thing every time I call, but no payment has been made.

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 2019-04-28
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
A XXXX XXXX, on a 3 year lease, was turned into XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX Utah on XX/XX/XXXX with no issues noted by the dealer. The car was leased to my son and I was a co-signer. A letter was sent to my son and my attention from Ally Financial on XX/XX/XXXX claiming that we owe {$1200.00} for excess wear and damages for the lease. To my surprise, the inspection of the car was conducted on XX/XX/XXXX - 4 months after the car was returned to the dealer. I have no idea where the car was for the intervening four months, who could have damaged it, if parts were swapped on the car, etc. Ally Financial should not be able to claim excess wear on damages when they were grossly delinquent in inspecting the car 4 months after it was turned in and the dealer who accepted the car had no issues. 

Also, around XXXX XXXX on Friday, XX/XX/XXXX, a representative from Ally Financial called my mobile number and began threatening me that if I didn't commit to pay the claim Ally would turn my file over to the Collections Department and subsequently damage the credit rating of my son and me. Not only is their claim wrong but I had the invoice from Ally for less than 21 days and they were already threatening to turn the file over to collections. 

I have read numerous complaints about Ally on the CFPB website and many more at the XXXX XXXX XXXX and am very concerned Ally will damage my credit rating without being rational about their inspection and collection process which are clearly an issue. 

I requested to speak to a supervisor, XXXX, but she could not come to the phone and was supposed to call me back.

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