BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I suffered a total loss on my primary residence due to XXXX XXXX. As a result, I spent all of my savings, took out retirement, and maxed out my credit cards because my insurance company went bankrupt. The banks are refusing to give me a forbearance or any sort of deferment and have reported to the agencies that I do not pay my bills. They have charged off my debt and have significantly destroyed my credit. They are unwilling to work with me. This is not my fault. I have always paid my bills on time and now have to file bankruptcy as a result of a hurricane and the lack of regulation of insurance companies in the state of Florida. I am paying a mortgage on a home that is condemned in addition to a mortgage on a rental property and rent for myself if I can afford it.I have been living in hotels. I have been living in a car XXXX I have a salary of {$11000.00} a year and I'm currently homeless because I make too much money to benefit from federal or state programs. My house is condemned and unsafe and I have been unable to see my child since XXXX. I do not need additional financial hardship as a result of an act of XXXX and the lack of regulation by the government.

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 2023-08-24
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My husband and I received a letter from I.Q Data international stating that there is an unpaid balance from our old apartment complex. 

I am not sure if this is a scam? This account has been paid since XX/XX/2023 and there are records of it. So to receive this letter is alarming. 

If this is a true letter I am requesting this company be penalized for not conducting a thorough review before reaching out to us and causing undo stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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.m want to file a dispute on my credit report being mishandling by companys running my credit score with out my permission and those recent inquiries need to be removel to update my new credit reported without inquiries 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 explanation
Consumer complaint received 2021-10-15
Company: NAVY FEDERAL CREDIT UNION
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: Problem with personal statement of dispute

Complaint:
I was reviewing my credit report and noticed information that are in violation under FCRA And TILA ACT are still appearing on my report. I sent out letters to the company over 30 days ago and still havent fixed the issue or they giving me the run around. These accounts are hindering it is keeping from gettin auto Loan or mortgage remove these items from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This university is trying to charge me twice for a debt I already paid to the VA office for my post XX/XX/XXXX education benefits. I have attach the proof that I pay it below with the XXXX balance from the va XXXX XXXX XXXX. I have talk this university serval time in XXXX and XXXX because its still showing up my credit report and it should not be there at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: AMERICAN ADVISORS GROUP
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
AAG ( American Advisors Group ) sent me notice & an email saying " They no longer hold the XXXX XXXX # XXXX XXXX XXXX XXXX XXXX After a complaint XXXX & XXXX was filed with CFPB, AAG insisted they are no longer responsible for mortgage stating that XXXX ( XXXX XXXX XXXX ) is now responsible for the loan. However there is NO record of XXXX registered with XXXX. XXXX bank account at XXXX ( Acct # XXXX ) was CLOSED & XXXX filed for XXXX  XXXX Bankruptcy. Also XXXX denied they had the Lien under CFPB complaints I am requesting AAG send a Notarized Letter of RELEASE OF LOAN # XXXX ( FHA Case # XXXX addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attached Files shows Attempts to pay off the mortgage in Full XXXX  Bankruptcy Letter AAG email of no longer managing the LIEN

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX at XXXX shows a loan for XXXX i filed a police report number XXXX with the XXXX police dept, also a report with the ftc. the ftc informed me of my rights. the XXXX XXXX must show documentation that i obtained this loan, i did not. this item showing on all three credit companies. a fraud a lert was placed the same week of this identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: SYNCHRONY FINANCIAL
State: WA
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/XXXX, I signed up for CareCredit for my XXXX XXXX. The XXXX cost {$3600.00} and the clinic that operates on my XXXX telling me I can apply for CareCredit for XXXX interest-free payment plan. I accepted the offer without knowing that my auto-payment plan was on minimum payment that won't pay off my balance by the end of XXXX months. 

I've always assumed that the balance will be paid off without checking. Until recently XX/XX/XXXX is when I realized that my balance has been slowly increasing each month due to fees and interest since my offer expired. That prompted me to look for ways to resolve this with CareCredit and that is when I found the case in XXXX against CareCredit about the non-transparent practice of such kind of loan XXXX https : XXXX ). 

On my bank statement in XX/XX/XXXX, my balance was {$3200.00}. XX/XX/XXXX became {$4100.00}. And now my most recent statement in XX/XX/XXXX is {$4600.00}. I have not missed any payment, totaling {$2500.00} from XX/XX/XXXX till XX/XX/XXXX. The only reminder I got about the offer expiring was the one line in the email in XX/XX/XXXX with my balance saying the promotion is expiring soon. I contacted CareCredit for a settlement for paying off the loan with a discount but they said my loan is not qualified for the settlement. I felt that CareCredit did not make any effort of helping me decreasing my balance, and it seemed to me they'll happily never let me know I would have never paid off that loan.

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 2022-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I had a floor put into both my living room and sunroom via Lowe 's using my Lowe 's Synchrony credit card.

Another Lowe 's contractor was installing a door on the sunroom last spring XXXX XXXX when he point out issues with the flooring that i didnt notice. 

I was immediately contacted by XXXX @ Lowe 's Install Team ( XXXX ) she has been trying for over a year to get the contractor to fix the floor. 

I started speaking with XXXX XXXX at the Presidents Office for Synchrony Bank ( XXXX ) there is a dispute on my card currently for {$2300.00} ( actual is only {$2000.00} ) for door and flooring issues. I was told by the company that NLT  XXXX they have an answer. 

When i reached out next someone from Lowe 's sent paperwork that the floor had been repaired by XXXX XXXX ( XXXX @ XXXX ) which is a bold faced lie and Ms XXXX reopened the claim and pushed it back to XXXX XXXX refused to do any warranty work against their spotty craftmanship cause it was done at 3 different times and they had sub-contracted out 3 different companies ( 1 was their own employee ) They do not want to repair the work at all! 

On XXXX, I spoke with XXXX XXXX XXXX with no real answer ( XXXX haven't talk with either since ) I went into the store and spoke with XXXX the GM ( XXXX ) He was not made aware of this issue that i had been fighting for over a year. 

He offered to look into and i have not heard back from him 2 months later. However on that day he did personally apply a {$500.00} credit on my Lowe 's account which covered {$250.00} against my XXXX XXXX check card, {$220.00} directly towards my issues, and the remain was $ XXXXwas as a round number. 

Prior to this I was totaling between flooring and door issues {$2600.00}. XXXX XXXX could not back me up due to the length of time i had been arguing with Lowes / Synchrony. 

{$2600.00} TOTAL XXXX account credit XXXX gift card XXXX account credit I still have an issue with a XXXX floor that I can not pay someone else to come in and RIP up a 2 year old floor and still pay off {$2000.00} on a card with no recourse

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-15
Company: CITIBANK, N.A.
State: NJ
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 a Citi Bank Visa Card. It has a large credit balance on it since XX/XX/21 and I have asked 3 times since then to have this money returned. I have spoken with two supervisors at XXXX and one supervisor at XXXX. I have been told that my request has been pended until XX/XX/21 and after review, it will take 3-5 business days to return my credit balance to my checking account. I find this to be unacceptable in as much as they were able to take funds from my checking account in just 2 days. Why will it take over 2 weeks to reverse the process? I have verified the dating of these activities and Citi 's own online system shows a credit balance as of XX/XX/21. I am most unhappy with the way this credit card company is handling this situation.

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 2022-12-06
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
All concerned, NFCU refuses to refund me a duplicate mortgage payment of XXXX I GAVETHEM THE REQUIRED DOCUMENTS AND THEY STILL REFUSE. XXXX DOCS SHOW MY OVERDRAFT CLEARLY PAYING THE XXXX. I GET MORE EXCUSES EACH TIME I TRY TO RESOLVE IT. THEY ARE UNABLE TO READ A CHECKING ACCOUNT STATEMENT. 


FURTHERMORE, I WILL NOT MAKE XXXX SINGLE PAYMENT TOWARD MY NFCU MORTGAGE UNTIL THIS IS RESOLVED. THANK YOU, XXXX XXXX, FOR RUINING MY XXXX. FROM ME TO NFCU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
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:
Id theft victim. Someone opened 2 accounts from XXXX XXXX XXXXXXXX XXXX XXXX {$4900.00} XXXX {$10000.00} These accounts do not belong to me. I am from Tn. These accounts were opened in Florida using a fl address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/XXXX of 2023 I made a payment to the credit card for XXXX XXXX 2023 due date. In XXXX of 2023 I went to make my payment for XX/XX/2023 n I was told I didnt make XXXX payment. I informed them that I did make the payment. They told me that I made the payment late. I informed them that I had made the payment 3 weeks in advanced n have never paid late. I was informed it was a revolving credit and that I was late. I informed them that if that was the case I would have been paying late for years. They refused to acknowledge that they are wrong. And now my payment went from {$320.00} to {$640.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have reached out personally and so has the agency hired on my behalf to do so named XXXX we have reach out to all major Credit Agencies Equifax, and others I have submitted metro 2 letters of challenge and compliance with no response for 2 months now. I just sent out last week round 2 of the same letters and am waiting to hear back. Since they have had enough time more than 30 days since round 1 letters to respond. They haven't done so I am reaching out to CFPB for help in cleaning these issue up ASAP. 
I also submitted letters and proof to all above mentioned agencies to remove false reporting data from my accounts as the name and address are incorrect as is all the other reporting as I have never extended written consent to any reporting agency to report anything on my behalf. I have hired XXXX credit repair agency to act on my behalf to dispute fraud with said agencies and I have also myself send out letters requesting immediate removal of fraudulent reporting as I have NEVER gave permission to any company to report anything on my behalf except the above mentioned credit repair agency. I have not been able to reach anyone from the above mentioned credit agencies. I am frustrated and want my credit cleared ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is a mobile phone, the person they are attempting to harass does not own this phone. The number of attempts are unlawful and is harassment. They get a number and they dont care who owns it or anything and turn their computer system and auto-dialer on people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My checking account with CitiBank was closed by the bank without any visible reason on XX/XX/XXXX. Meanwhile Ive had a check deposited on XX/XX/XXXX which went on hold. On XX/XX/XXXX I received the letter from the CitiBank Fraud department stating that my account is being closed and that it is going to take 30-60 business days and if I have any funds available ( which was my check ) it will be returned to me by the mail with the official check. It is XX/XX/XXXX and I still havent received my funds. I called them already 6 times and they kept lying to me that the check is going to be sent tomorrow, still nothing. I went to the branch which gave no results either because the banker has no info and has to contact the same department as I. I called them in again today and they said that they need more time to verify, I could not get the answer WHAT actually they need to verify, but I am sure that 7 month is more than enough to verify whatever they need. That long funds withhold caused me a huge damage, especially during the pandemic times, I am in a really difficult financial situation right now and I can not get my money.

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 2023-07-21
Company: BARCLAYS BANK DELAWARE
State: WV
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:
Banana Republic Credit Card/Barclays Bank Delaware did not send me a bill for the charged amount if {$170.00} in XX/XX/2023. Therefore in XX/XX/2023 the amount became delinquent and went on my credit report causing my score to drop approximately XXXX points. The minute I found this out I immediately paid the account off.

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 2023-06-27
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX advertises on their website that there is special financing with a XXXX credit card. I applied, was approved. Attempted to buy a lawn mower on the same XXXX website advertising special financing with the XXXX card and you can not even use the XXXX card on their website. When I called XXXX customer service they informed me that something happened about a week ago and now people can not use XXXX card on their website. They have known this for a week, but people like me, are allowing a hard credit pull to be done because we apply for the card and then can not even use it. I asked customer service to connect me to anyone who can take my order over the phone and they informed that they can not accept the XXXX card even with a customer service agent. Now I am left with a hard credit pull, a useless {$22000.00} credit limit. When I contacted TD Bank who is the bank the card is actually backed by, they were unaware that XXXX was having issues. 

It is unacceptable that XXXX has known about this for over a week and are still advertising this on their website and allowing customers like me to have their credit report pulled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04
Company: Credit & Collection Recovery Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a bill which is from the company with all the products information and account number someone I know got a bill as well with the exact information and account number. So please make this make sense before I lawyer up. This is not a error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TrueAccord Corp.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
TruAccord has violated my rights! I received a email in regards to an account you are attempting to collect a debt that originally belonged to XXXX XXXX XXXX. Pursuant 15 USC 1692g a notice to dispute the validity of the debt was not issued. 
TruAccord violated my rights by furnishing information on my consumer report with the intent to coerce payment in the amount of XXXX XXXXTruAccord has made it hard for me to take care of my necessary household needs. This grave error caused by TruAccord violated my privacy an

Company response to consumer: Closed with explanation