BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-27
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Made a purchase @ XXXX XXXX XXXX XXXX 's in 2012. Wanted to pay cash but was talked into by the sales person to take an 18 month promotion that I could pay off before the promotion ended and would n't be charged any interest. 

I had the monthly payments automatically withdrawn from my checking account. It was my understanding that the monthly payments would pay off my purchase in the 18 months. Was never advised that my promotion ended and the interest would accrue@26.99 %. My total for the 2 purchases was {$2600.00}. Have n't made any purchases since then and my balance is now  {$5700.00}. This includes all the interest for the promotional 18 months period and interest on the interest. 

I 've paid approximately {$170.00} per month from my checking account for the last 5 years. I never received paper statements and did n't realize I still owed them money until I received an email that my credit line was increased. When I called customer service they explained to me what happened. I assumed I was paying for insurance on my purchase and never questioned the charges. When asked if I could pay a settlement amount that was less then the balance, I was told no. 

I 'm beside myself at the moment. I 'm a single mother and take care of my sick mother full time. I ca n't understand how a company could take advantage of me like this.

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 2021-06-02
Company: Commonwealth Financial Systems, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I higher XXXXXXXX XXXX  to help with my credi and I also hired XXXX  to clean my credit so that I could build a home and go back to school also to get my student loans back in good standings. I have tried to contact this common financial at this number that they finally provided on the web an its not an active number. Not to mention the fact that they had several different social security numbers that were not mine listed on this false account to begin with that they are claiming is mine to start out with. I do not recall ever being at this place and what they provided for XXXX  credit repair either I did not recognize at all. I have tried to get as much information as I could and I still do not know anymore about them nor was I able to get in touch with them at all the information they provided. I am kind of upset with XXXX credit Union bureau as well because I dont think they should have the right to delete the social security numbers either until I was able to get to the bottom of all of this. Also I dropped dramatically in my credit score and didnt see any good reason why I should have or was not giving me any reason why and I would like an explanation for thst also. If you could get to the bottom of this I would greatly appreciate it I have been working so hard for the past year or more on my credit and I dont feel like I have gotten very far at all because they keep dropping me dramatically and I feel like its all about keeping me for the money at this point and just nothing more. I feel just like they have no care about me and put me on the back burner kinda and my stomach is just got this worrying pit day after day because of this. I feel like I will never get right with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I want all my " citi '' accounts closed and a check for the balance mailed to me.

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 2019-04-30
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Was offered {$400.00} sign up bonus from Citi for depositing $ XXXX into a savings account. Rep attempted to fund over the phone but wouldnt complete. Citi then sent me a form that needed my signature received 10 days later which I sent back next day. Debit card which was necessary to fund account was then shipped 9 days later. I received card 10 days after that. I funded my account the day it was received which took 3 days for ACH to complete. Citi will not honor bonus since account wasnt funded within 30 days. 

Deceptive and predatory offer practices by Citi to delay the process intentionally so the customer doesnt receive offered bonus.

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 2019-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX of 2018 my loan was sold to XXXX XXXX by CapitalOne. The notification did not reach me and I only found out after I called CapitalOne to find out why I could not log into their account to make sure my payment had been applied since my bank was not showing it as completed. They stated that the account was closed and the new servicer would be getting in touch with me with payment information and I would just pay the XXXX payment to XXXX XXXX. It was not until a few months later when I got a credit alert that my score was affected by a late mortage payment. I tried contacting XXXX XXXX to fix the error and they do not provide a way to do this. I tried disputing with the credit reporting agency XXXX and nothing ever happend. I am in the process of trying to qualify for a refinance and this is causing my score to be sub-par. I believe that this should not have been reported as late as the mortage was sold and I was not given the opportunity to pay the XX/XX/2018 payment to the company reporting the late payment. I would like this late payment removed from my credit file at all agencies. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of IDENINITY THEFT FTC case XXXX reported to usaa XX/XX/XXXX. See attatched XX/XX/XXXX XXXX  Report # XXXX USAA account XXXX Date Opened XX/XX/XXXX Address ID XXXX First Reported XX/XX/XXXX Credit Limit {$3000.00} RECENT BALANCE AS OF XXXX XXXX {$3300.00} THIS ITEM ** REMAINED UNCHANGED ( WAS NOT OPENED BY ME ) PROVIDE ORIGINAL WRITTEN DOCUMENTATION OF XX/XX/XXXX OPENING THIS ACCOUNT VERYFYING MY SIGNATURE. See attatched XX/XX/XXXX USAA  CONFIRMATION OF SETTLEMENT card end XXXX settled XX/XX/XXXX. This is the ONE AND ONLY ACCOUNT I OPENED WITH USAA. See attatched XX/XX/XXXX 1099 C DEBT DISCHARGED VISA/MSTR XXXX AGAIN, THIS IS THE ONLY ACCOUNT I OPENED WITH USAA.

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: CAPITAL ONE FINANCIAL CORPORATION
State: AK
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/XXXX, I booked a ticket online for an employee using my miles using XXXX miles on capital one. The persons last name was accidentally spelt XXXX instead of XXXX. The only way to resolve the issue was to rebooking the ticket using my credit card and the supervisor XXXX kept making excuses as to why they couldn't change the name from a XXXX to a XXXX. If I rebooked the ticket, I wouldn't be getting my miles back, which it took over {$15000.00} dollars to get those miles. I called XXXX XXXX and they couldn't do it but needed a waiver form from Capital one which was evident that they did not want to do it. 
I am appalled and saddened about how the situation is handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On my credit report it shows I owe a balance of {$2900.00} to XXXX XXXX and it is in collections with XXXX XXXX. The problem is I've never lived here. I went to XXXX XXXX and they were unable to provide a lease, my signature or any information I am trying to find a place to live and this is a hindrance.

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 2019-04-30
Company: Riverwalk Financial Corporation
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX is reporting a collection on my credit reports for a auto loan I do not owe. They have never contacted me about this debt or given me the opportunity to dispute the debt originally. I have disputed via the credit bureaus this collection and sent a letter requesting proof of debt. They have no signed contract between myself and them proving that I owe this {$10000.00} amount. Secondly the company that responded to my request for validation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX my drivers License and social security card are being furnished to multiple companies without my permission and as a current victim of identity fraud which is noted in all of my credit reports this is a violation of my privacy and civil rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: EQUIFAX, INC.
State: WI
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 reached out to all the credit breuas and creditors to provide me with validation that the inaccurate information listed below belongs to me. several phone calls, faxes, and letters sent and no response. This is very hard for me to obtain credit and having a negative impact on my future things I am trying to obtain. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have opened 3 accts. for my XXXX children to save money for college. I have never in all the years they have been open withdrawn money only deposited on a regular basis. 
Chase allowed fraud to take place on 2 of these accts. and I was not notified of the activity. There were checks being written and cashed in names that are not even tied to these accts. ACH debits being made and online transfers - again all in names other than what is on the acct. The suspect of fraud changed the status for me to no longer receive my paper statements in the mail. All of this activity again was never reported to me. There are multiple transactions on both of the accounts totaling a loss of approximately 56,000. Chase does not want to claim full responsibility for these when clearly they should have never allowed this to go on - fraud in many different names again none of which are on my account. The fraud is very clear to see. I have filed a police report with the XXXX police dept. as well as contacted XXXX. I would like the money returned to my children accounts. Chase failed to protect me from this fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-02
Company: FinCo Services Inc DBA Current
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
IRS deposited {$1200.00} stimulus check in Current.com account # XXXX RTN # XXXX in XX/XX/XXXX after I filed tax requirements since I didnt receive it earlier. I filed tax through Liberty tax services and IRS STILL lists it as pending in system. I was given a XXXX XXXX  card that the deposit was to be put on, but they did put {$1400.00} stimulus check on that card. I only got this info recently from IRS TAX ADVOCATE to assist in contacting for getting money returned to IRS or for them to provide access to the account. 

I have not had this account but according to TAX ADVOCATE ITs in my name. Ive called and left messages plus emailed requesting them to call me, but they refuse to contact me since I DO NOT HAVE THE SAME PHONE NUMBER AND/OR EMAIL ADDRESS they have on file for account. I cant talk to any body to get any info or help from the company CURRENT.COM. The IRS has already placed a trace on this deposit with no reply from them either. Ive also contacted XXXX Bank because I was told Current.com bank belongs to XXXX XXXX  at some point when trying to call thru operator answering phones. Current.com phone is XXXX. My IRS TAX ADVOCATE phone is XXXX she can be contacted for helpful info.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I sent Certified Mail and Return Receipt requesting physical verification of the original signed consumer contract under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Today as of XX/XX/2018 they have failed to positively verify my request.

XXXX XXXX XXXX, in the amount of {$10000.00}

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 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXXl XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$950.00}

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: CITIZENS FINANCIAL GROUP, INC.
State: MA
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:
On XXXX XXXX,2017 I mobile deposited a check from my former employer XXXX XXXX XXXX XXXX in the amount of {$1400.00}. On XX/XX/XXXX I was debited this same amount from my account with Citizens telling me that the check was cashed again. I went to the nearest branch to sort it out. They told me that it was cashed through a XXXX account. I was unaware of this transaction and realized that this check was stolen either from my car or my bag. I went to XXXX to let them know that my account was used in a fraudulent manner by one of their clients XXXX XXXX XXXX with the telephone number of XXXX XXXX XXXX as he used on the back of the check that was stolen when he deposited it to his account. This was done with XXXX XXXX Branch Manager of the XXXX XXXX branch of XXXX XXXX XXXX XXXX XXXX MA XXXX his number is XXXX XXXX XXXX. 
At first it seemed as if this would be taken care of but than I was contacted by XXXX XXXX from the office of the chairman at Citizens Bank. She informed me that I violated the terms of Mobile deposit by not voiding check and disposing of it properly. Obviously I had n't the opportunity to dispose of it properly as it was stolen from my property. I submitted another claim on XX/XX/XXXX and the money was returned to my account for a day and than debited out again as XXXX XXXX from the office of the Chairman launched a new investigation. We spoke on the phone on many different occasions culminating in a phone call on XX/XX/XXXX saying that I was liable as the agreement stated the proper disposal technique after mobile deposit. 
I followed up with XXXX at the branch where the check was deposited with CSR XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Tel. XXXX XXXX XXXX he stated that the account funds from the deposited were withheld and that XXXX fraud department XXXX XXXX XXXX XXXX has been waiting for Citizens to contact them to straighten everything out and refund my money to my account. During all this Citizens has made me seek affidavits from my former employer XXXX XXXX XXXX XXXX XXXX which he has been waiting for Citizens to send .Fill out a police report which I have done, Yet they still maintain my culpability in a case where I was the victim of theft. I find this truly unacceptable and hope you can expedite a solution that returns my funds back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my Transunion report. I demand that these items be removed immediately. 

XXXX XXXX. XXXX XXXX XXXX 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 2019-04-30
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV Funding is a debt collection reporting on my credit. I disputed this information because the debt does not belong to me. Company has failed to validate debt. I attempted to call the company multiple times at the number XXXX and they are asking for personal information saying I won a gift.It appears to be a scam and they are reporting on my credit reports. They original creditor was contacted two years ago and informed that this account was opened fraudulently and was a result of identity theft. They closed the account and had me sign an affidavit attesting to that. Now this a collection has been showing on my credit reports in which I have disputed several times and well as sent debt validation letters to the company and credit bureaus with no response. They identity theft is noted on all of my credit bureau accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent out a letter to the credit bureau to remove incorrect information on my report on XX/XX/2020 and have yet to get any sort of response. It has been well over 60 days and I know this is in complete violation of the FCRA guidelines, even with the new regulations. Please help in resolving these ongoing issues!

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 2020-07-30
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: Was not notified of investigation status or results

Complaint:
I sent out a letter to the credit bureau to remove incorrect information on my report on XX/XX/2020 and have yet to get any sort of response. It has been well over 60 days and I know this is in complete violation of the FCRA guidelines, even with the new regulations. Please help in resolving these ongoing issues!

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