BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Back in XX/XX/2012 I had a personal check stolen from me and it was thru Bank of America a new account. The check was stolen from me by a family member then deposited thru atm at a XXXX XXXX XXXX in XXXX TX for XXXX cash.. Bank of America processed it then took the funds back. i filed a complaint thru XXXX XXXX telling them who did it etc. It involved another family member which is on camera and she would not press charges against the person that did this.. I have an XXXX XXXX against me and can not open a brick and mortar an bank account. The check was somehow sent thru again. I disputed thru XXXX XXXX XXXX and Bank of America still denied. I am a victim of identity theft what can be done at this late tme.. I cant get thru a direct line or person at Bank of America they send me in a circle w XXXX XXXX. Ive completed all my appropiate paperwork. Done this 2xs ...

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 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX  and Transunion should not be reporting me as a authorized user on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2019-04-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
CRA IS IN VIOLATION OF FCRA, FDCPA, DODD FRANK ACT, METRO 2 COMPLIANCE ETC.

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 2022-01-06
Company: Viking Client Services
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a 2-page letter from XXXX XXXX  XXXX XXXX XXXX XXXX dated XX/XX/2021 regarding a claim about a XXXX XXXX XXXX vehicle that I had rented in XX/XX/2021. I never received a validation of this investigation or claim by XXXXXXXX XXXX XXXX 

It is now my understanding that XXXX XXXX XXXX has refused to validate this claim, but to forward it to another debt collector, Viking Client Services under the same claim number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Continental Finance Company, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a credit card with Continental Finance Company but had not used this credit card in over a year and no longer have the card because it was at a XXXX balance. However, they keep adding fees, late fees, interest and penalties to the account. I get periodic emails from them saying a payment is due and to login in to their website to see my statement, but couldn't log into their website because I do not have the account number to register for an online account. I could not see my account, and could not see any statements. I called to them over 5 times to request a replacement card and that my statements be mailed so I can somehow look at my account. I never received either. The last time I spoke to them they said my balance was over {$500.00}, and none of the charges were due to any spending. They were just fees, penalties, and interest piling on top of each other. At that point I told them to close my account and to stop charging me. 

I told them to close my account and requested a statement showing all of the charges they are charging me for. Now I'm also getting notices from the credit bureaus saying my payments are late, even though the account is closed. The representative I last spoke to over the phone also could not tell me why my balance was so high when I had not made any charges on the card and had a XXXX  balance.

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 2020-08-25
Company: Experian Information Solutions Inc.
State: CO
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 contacted Experian online to dispute Hard Inquiries that were on my report. I did not recognize them and I asked them to investigate the issues. The investigation took 2 days and with no result. I find it difficult to believe Any investigation was done.

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 2019-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX is the investor on my mortgage note and they are unwilling to provide the assistance that other investors do for their customers. This institution received bailout money from Washington to work with customers on the terms and conditions and helping with different programs. They never once did one thing and when contacting them they take no responsibility for their requirements and point you back to the Servicer whose hands are tied tightly. Ive been dealing with this XXXX since 2008.

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 2019-08-24
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
i am a victim of identity theft by the lasw of the united stated of America and XXXX XXXX refuses to accept it. XXXX XXXX is not a judge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
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:
On XXXX XXXX, I received notification from Capital One that the credit limit on my Capital One VISA card has just been reduced " to better fit my card usage '' which is a ridiculous excuse. One of the primary benefits of high credit card limits is to serve as a safety net in case of financial emergencies. I have charged thousands of dollars worth of goods and services to my Capital One VISA card, and repaid every XXXX. I have been a Capital One customer for many years, and have never made a single late payment. This is how they reward me for being such a good customer. I am speechless!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
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: Information belongs to someone else

Complaint:
I XXXX XXXX hereby makes a request for assistance with Equifax Information Services LLC, as there is a lock on my credit report with this bureau, and only with this bureau. The reason being that my daughter XXXX XXXX has her social security number applied to my Equifax report. A similar problem did exist with my daughter, where my social security number was tied to her credit bureaus, especially Equifax, but has since been resolved. Accordingly, I need any connection to my daughter removed from my Equifax report, and the lock on my credit report to be removed immediately. I am trying to purchase a new car, and the fraud alert on my Equifax report is holding up hat process. Please remove the fraud alert from my Equifax report permanently and remove any connection to my daughter XXXX XXXX. 
Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan No. XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX Among others, NewRez handles my mortgage payment on the property above. Though I have been making payments on time, due to a clerical error on the part of NewRez, the payments I made were placed in applied status or credited to a different line items. NewRez seems to make this error quite frequently. NewRez has also done this to two of my other loans. Therefore, NewRez not only did charge me with late fees ( subsequently corrected ), but also reported this to the Credit Bureaus. At no time was I late in any of my payments. NewRez seems to have issues with properly handling my payments. I had advised NewRez to correct this oversight and send me a copy of the letter to the Credit Bureaus, I have not received any communication from them. A recent credit check showed that I am late in payment to NewRez. NewRez seems to ignore my communications and phone wait is over 3 hours and the times I have contacted an agent on the phone, they seem to make more problems with the account in entries of my payments. 

I want NewRez to correct their oversight and report this to all the credit bureaus and provide me with a copy of this communication for my records. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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 obtained a copy of my credit report and realized there were two credit card accounts ( Capital One and XXXX ) tied to my name so, I disputed both accounts. After the dispute process, both accounts were claimed to be verified by the credit card companies. These accounts were opened fraudulently on my behalf and I would like them removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: SECURITY FINANCE CORP
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: Account information incorrect

Complaint:
First, I received information from XXXX credit report. Showing that a point has been taken and that my balance increase {$300.00} between XX/XX/XXXX and XX/XX/XXXX almost like I owe them more money. Sidenote ( I paid {$440.00} to them XX/XX/XXXX and was and still is current on my payment ) I talk with them about this matter today XX/XX/XXXX and they gave me the RUN-AROUND. An addition on all three of credit reports XX/XX/XXXX payment were not reported 5 of those were the 5 first payment and the info one is false and inaccurate. I talk with them about this matter they gave me the RUN-AROUND also putting me on hold for long periods, then hanging up. No one calls back and when I call back no one answers.

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 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX I pulled my transunion credit reports and the other credit reports after being denied a loan XXXX since this time I have been trying to get my credit inquiry on XXXX from XXXX  ( membership I never requested ) and aka XXXX XXXX XXXX XXXX No response I want to know who signed me up for this membership that monitors transunion credit reports. 
I had Transunion XXXX  XXXX  XXXX XXXX XXXX auto XXXX  TRANSUNION XXXX on my reports twice All these companies doing inquiries done All this done in 1 weeks time from XXXX thru 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 2018-07-31
Company: SYNCHRONY FINANCIAL
State: NC
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:
I sent a goodwill letter to Synchrony/Care Credit because I had some late payments. In that letter I ask for forgiveness of the late payments which were due to lack of employment. Instead Synchrony/Care Credit reported on my credit bureaus that I was disputing the late charge. I am not disputing the late charges - please see attached letter showing my request. When Synchrony/Care Credit reported a dispute to my credit bureaus it took my FICO credit score down 3 points - is that legal? I did not dispute anything and yet Synchrony has damaged my credit further. I hear about Synchrony Bank damaging many peoples credit with their practices. I repeat a goodwill letter was sent to Synchrony/Care Credit - not a dispute letter.

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 2018-10-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
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 leased a vehicle in XX/XX/2016 and corresponding 3 year financing ( {$9700.00} ) through XXXX XXXX. Currently, my open balance is {$500.00}. My credit reports shows the open balance but, there is no reporting of a related Credit Limit or High Balance. The failure to report the Credit Limit negatively impacts my credit score as shown in the attached documents. I submitted disputes to both the Credit Reporting Agency ( XXXX  and directly with XXXX XXXX ) to no avail. The results of the most recent XXXX Re-Investigation is included.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
CashApp is not allowing me to access any of my funds. They have said that it's because my deposit from unemployment doesn't match the name on my account. The only difference between my deposit and my account is that my deposit has my middle initial. Otherwise, my name is the same. It's been over 48 hours now since I've been able to access my funds. I've submitted documents showing my ID and still can't get to my money. I have no groceries in my house and I'm unable to buy any because they have continued to freeze my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I went online to pay my mortgage and saw an offer from Wells Fargo to allow me to apply for relief. First I clicked on it to see what the offer was and it automatically put me in the Covid 19 relief program with no way to say NO! I tried to call but was on hold for 2 hours each time and for several days and finally just decided to ride it out. However, it really worried me as I began to see this is in fact a deferment and not a forgiveness because I thought how the heck if you can't pay would you have all that money in 3 months so I called numerous times and was told by XXXX, XXXX, XXXX & XXXX that the FHA had already approved any amount accumulated to be moved to the back of my loan because my loan payment status was excellent. So, that helped but still I know that means next XX/XX/XXXX I'd owe a ton of escrow! Given that knowledge, and after receiving my stimulus check of {$1200.00}, I called on XX/XX/XXXX and spoke to XXXX. I paid my escrow overage of XXXX and 3 months of escrow for a total of {$1400.00}. Since that time the payment has not been applied properly and they still have me listed as participating in the program, even though I've clearly stated I no longer want to be in the Covid relief program in XXXX, when I was forced to call and pay my loan over the phone, due to them not correcting my info, and also in XXXX, when I again had to pay over the phone! 
I should only owe them $ {$1400.00} and they say on my new statement I have an unpaid balance of $ {$4800.00}!! 
XXXX mortgage amount due was {$970.00}, XXXX was XXXX due to paying overage on escrow, and XXXX was {$950.00} which = {$2800.00} minus the {$1400.00} paid = {$1400.00} not $ {$4800.00}! It doesn't even match what I'd actually owe if I did have to pay all three months!! How does {$2800.00} turn into {$4800.00}? I've paid my XXXX and XXXX mortgage payments and they show that amount of {$1900.00} as unapplied funds balance!!!!!! That is the XXXX payments I made for XXXX and XXXX of {$950.00}!! 
They are trying to defraud the government is what I believe and keep me in the Covid 19 status to gain funding!! I want my account taken out of this status, the unpaid amount of {$1400.00} moved to the back of my loan as they stated was approved, and everything corrected to show I owe them nothing but my monthly mortgage payment due in XXXX of {$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 2021-03-25
Company: Risecredit, LLC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Received a phone call today from rise never opened a rise account they were calling to collect payment I informed them that it wasnt my account that I would be falling filing a fraud with a police report they would not give me account number or an address that they had listed for me but yet they wanted money for me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX XXXX XXXX of XXXX, Virginia attempted to confiscate my Federal Student loans which were twice the amount that was owed originally. The account doubled in two to three months. This was in XX/XX/XXXX. They won a judgement against me in XX/XX/XXXX by misinforming me why my account originally went to collections. This led to them drawing from my checking account for roughly the amount I told them I would be receiving in financial aid and right when I told them I would begin to receive it. XXXX also set up a date for a settlement that I did not agree to, then sent me a letter saying I missed the payment followed by filling for a judgement. I have n't had any communication from them in three years.When I went to refinance my house in XX/XX/XXXX, they showed up and say that I owe them XXXX XXXX dollars in interest on a loan that was roughly XXXX dollars. Through garnishments, they have collected nearly 11 thousand dollars. The garnishments stopped in XX/XX/XXXX. The damage caused by this company has endured for close to a decade creating health issues and financial hardships. Not to mention physical damage to my house while they were garnishing my wages in the middle of winter and the heat went out. XXXX refuses to negotiate a reasonable settlement and keeps demanding paperwork that no longer exists for my home refinance that is no longer going to happen. It took 3 years for them to provide paperwork related to the account as to why it went to collections. Upon review of the details, it showed that I was charged for a month when I did not have a payment due because of a promotion through the creditor. I pointed this out to XXXX XXXX XXXX and they refused to do anything about it with the exception of one representative that looked into the notes and acknowledged that I was under the promotion when I was charged a payment. They continue to do nothing about it. All I seem to get from them is " Shut up, pay us. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collection notice from Collection Information Bureau Inc for a service that I did not receive at a Hospital I have never been to. I tried to contact the Creditor ( XXXX XXXX XXXX ) but there is no number to be found. I called my insurance company and they have no record of it also.

Company response to consumer: Closed with explanation