BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: NC
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
This banks customer service treats me horrible I called them because I added my card for XXXX Pay  and it said to called the bank for verification to activate it I did. And they refuse and give me a hard time after verifying me they want me to speak to security department this is not fair so now I have to wait the entire weekend because these people dont know how to treat a loyal customer or to activate my card for XXXX pay this is not nice I want {$50.00} for the inconevenice they have caused me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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/2020, I made a purchase from a shop through paypal with my credit card for XXXX. My credit card is through Capital One. The items that I received were not what I ordered. I notified the company through XXXX, because they did not have a customer service phone number or email address. The company asked me to keep the items and that they would refund me 10 %. I told them no. They then asked me to ship the items back at my expense internationally and they would refund me fully. I told them that if they sent me a shipping label that I would happily send it back. They never responded and I escalated the claim to Capital One. This is the first time that I received a letter asking me for more information and they decided to close my case. I am not appreciative of this. I called and spoke with a XXXX, who on the call, states that he is the highest person in the call center that I could speak with and then directed me to the stakeholders if I wanted to speak with someone higher. I am not pleased with the service right now and I am not pleased with how he kept interrupting me through the call, and I am not pleased with how my claim is being handled. Not at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Kikoff Inc.
State: NY
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:
Kikoff Lending LLC is reporting a fraud account on my credit. I didnt open this account nor did I authorize anyone to do so on my behalf. I learned of this account when my credit rating dropped as there was a late payment. I reached outto Kikoff lending via email requesting the removal and closure of this account. This account is not mine. Please see the attached FTC report and my Driver license

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report which shows delinquent on COI ( Convergent Outsourcing ) that appears to be a XXXX bill. I dont have an acct with XXXX nor have purchased a phone with them.

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 2023-08-04
Company: GATEWAY FIRST BANK
State: PA
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: Investigation took more than 30 days

Complaint:
Earlier this year, Gateway Mortgage accepted and deposited my XXXX mortgage payment on XX/XX/XXXX ( XX/XX/XXXX ). They then reported that payment ( which was already withdrawn from my account by them ) as late because the escrow amount had gone up by {$67.00} between my XXXX statement and my XXXX statement. 

When I discovered the discrepancy, I immediately paid the remaining {$67.00}. That was on XX/XX/XXXX, only 28 days after my XXXX mortgage payment was due. 

Gateway Mortgage has marked my payment history with a " 30 days overdue '' remark, which is incorrect, because XXXX only has 28 days. However, they insist on reporting my payment as late because they follow a policy of payments being late because of the month, not the actual number of days ( XX/XX/XXXX, XXXX XXXX, XXXX ). 

My payment was not 30 days overdue and my credit report has an error on it due to how Gateway Mortgage chooses to report. 

I can provide documents from my bank and from Gateway Mortgage which show my timely payments. The property in question is : XXXX XXXX XXXX, XXXX, PA XXXX. 

I would like the late payment notification on my credit report to be removed immediately, as this is a dishonest and inaccurate portrayal of my payment history with Gateway Mortgage and is adversely affecting my credit score. 

Please call me or email ( information below ) if you need any additional information to update and correct my credit history. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: CARD Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have been XXXX XXXX and returned home to find out my card had been used I immediately contacted my card company and filed a card dispute waited the 10 business days as told to receive a provisional credit only to find out on the 10th business day my claim had been denied I asked what else can I do to get my money back I was told by the customer service representative to do a new card dispute and include my XXXX XXXX paperwork stating that I was not in the country at the time of the transactions I called to check and see if the card company received the new dispute only to be told they will not open try to do anything else to get my refund I was also speaking to a very ignorant representative who refused to give her name or put a manager on the phone she also hung up in my face her employee id is XXXX if she didn't give me the wrong information I have attached all of the forms I sent to my card company along with time receipts for when I filed both disputes as I was asked all I am asking is for what's rightfully mines that I worked hard for thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Experian Information Solutions Inc.
State: TX
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:
On XXXX XXXX, I opened up a dispute with Experian Credit Services. Within a few hours they deleted the incorrect information but then lowered my credit score 18 points because of the investigation. Their reporting of the collection, even though incorrect and removed, thus affected my credit score adversely, jeopardizing my ability to secure a home loan. As a single mother, this affects not only myself, but my children. Nothing else changed on my credit report-no hard pulls on my credit, no cards opened, no delinquencies, and my score was not affected with the other two reporting agencies. This was solely an Experian response to a credit inquiry.

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 2023-08-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-04
Company: Cascade CISS Holdings, LLC
State: AL
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:
Upon checking my credit report I noticed my account was misused and violated my privacy as a consumer. I did not give the authorization to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA
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:
XX/XX/23, XXXX Discord XX/XX/23, XXXX XXXX XXXX Both times I contacted fraud department and disputed. Received new debit card. These debit cards have both been compromised on XXXX side. The XX/XX/XXXX charge was for a card Ive never used. They are not reporting a breach but it is very much appearing as if they have XXXX. This is an ABLE account which is for XXXX people and we dont have another bank option or Id leave this bank. Theyve placed a warning on their site about fraudulent streaming charges on cards that havent even been activated. Whats the point of activating if the card is being stolen and used before its even activated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
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 is missing that should be on the report

Complaint:
I was a victim of identity theft, disputed my credit reports because of so many unidentified accounts. I have identified my accounts, and sent the identified account information and balances at the time to all three credit reporting companies. I have been attempting to correct my Transunion account because my whole credit report was completely erased. I have contacted Transunion by phone and mail to correct the issue with no response or rectification.

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 2023-03-10
Company: EQUIFAX, INC.
State: CA
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:
Stolen wallet in XXXX California XXXX XX/XX/2023. XXXX included SS Card and all debit cards and California Drivers License. Steps take to stop all cards with banks. On the morning of Friday XX/XX/2023 I was notifed of a HARD INQUIRY on EQUIFAX. from XXXX XXXX I did not make any credit applcations wit XXXX XXXX or other company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: Diversified Consultants, 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:
Hi I just graduated XXXX XXXXXXXX, I just enrolled in college and Im XXXX yrs old I just had a Birthday XX/XX/XXXX. I never even known my own Social Security Number until now. when my XXXX XXXX  counselor Told it to me. when she help me apply for colleges. and loans for school. we notices someone had open up multiple credit and credit cards under my name and social security. but the Birth day is incorrect on my credit file. it shows XX/XX/XXXX? I was not even born yet .... SMH I was Born XX/XX/XXXX. I have been a victim of childhood fraud. Not a soul in my family knows how this happen. some accounts they said was open for 4 years or more? How I was a child. Please correct this and remove this off my recorded. Because I cant get my loans for college. Im worried about next semester. How could this happen?, how could someone be so bad to do this. please remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Westlake Services, LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
This company falsely repossessed my vehicle after Ive made my payments timely. They racked p additional charges and late fees and despite me making a payment to bring my account current within less than 30 days of delinquency they repossessed my vehicle. In order to get the vehicle back I had to pay over {$1200.00} in tow fees and processing fees. My husband lost his employment due to COVID and we are down to only 20 % of our normal income. We explained this to Westlake several times and yet they refused to work with us. The greed and inhuman acts of this company should close their doors for good so they cant take advantage of consumers. They are inflating interest, penaltys and fees to gain more profit and that is just simply wrong during these hard times. At this time I would like a full refund for vehicle. The damages caused by the tow company broke the alignment and caused additional damage to vehicle that we can not afford to fix. I would like a full refund of {$9600.00} for the amount Ive paid for the vehicle, plus repossession fees of {$1100.00} and additional penaltys of {$20000.00} In damages.

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 2023-01-24
Company: EQUIFAX, INC.
State: TX
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 acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX and XXXX did not modify or removed anything. 

The date open is not correct, date last active is not correct on XXXX and XXXX date of last payment is not correct on XXXX credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my certified stamp when I sent letter to XXXX and XXXX. 

XXXXXXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Hi I just graduated XXXX XXXXXXXX, I just enrolled in college and Im XXXX yrs old I just had a Birthday XX/XX/XXXX. I never even known my own Social Security XXXX until now. when my XXXX XXXX counselor Told it to me. when she help me apply for colleges. and loans for school. we notices someone had open up multiple credit and credit cards under my name and social security. but the Birth day is incorrect on my credit file. it shows XX/XX/XXXX? I was not even born yet .... SMH I was Born XX/XX/XXXX. I have been a victim of childhood fraud. Not a soul in my family knows how this happen. some accounts they said was open for 4 years or more? How I was a child. Please correct this and remove this off my recorded. Because I cant get my loans for college. Im worried about next semester. How could this happen?, how could someone be so bad to do this. please remove this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged overdraft fees repeatedly for for months when I did not supposed to be.

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 2023-08-04
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I'm writing to express my concerns regarding an issue with my American Express XXXX XXXX ( XXXX XXXX account. It has been suspended since XX/XX/2023, which has prevented me from transferring points to partner airlines. 

In XX/XX/2023, I made expenditures amounting to over {$6000.00} on my card, for which I earned XXXX XXXX XXXX as welcome bonus soon after. Subsequently, some of these transactions were refunded by the merchant. I believe American Express erred in issuing the points to my account before the end of the statement period, leading to this situation. 

The suspension of my XXXX XXXX has caused significant inconvenience. As of now, I've made further purchases that exceed {$6000.00} on the card, demonstrating my commitment and usage. For reference, I have attached all relevant statements. Please unfreeze my XXXX XXXX  ( XXXX XXXX account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Fifth-Third bank owns Dividend Finance. Dividend Finance is using fraudulent forged documents to pursue money from me and my wife. They illegally drafted money from my checking account. I never authorized anything with them. In XXXX of XXXX  my XXXX veteran wife and I applied for a solar loan with a representative in our home, on our WiFi. We never used his laptop. Neither my wife, XXXX XXXX, or myself ever saw any loan information or agreed to any loan terms. It was strictly to apply. We had no reason to believe this person was lying to us and trying to defraud us. My wife did not sign the loan XXXX, I did not sign the loan XXXX. The only person filling out the loan information was the sales representative. My wife made Dividend aware as soon as she found out fraud had occurred. It was never investigated, Dividend used the forged documents to state the loan was valid and an excuse of " answered questions ''. I was there, he did ask us questions and we both answered we thought it was part of the loan verification since both of our credits were supposed to be frozen. It turns out that my wife 's XXXX file only was not frozen due to XXXX error which she is dealing with. That is why it does not appear on all three credit bureaus or on my credit report because the sales representative took both of our information and we honestly did not even know until later about it not having both of our names. We were defrauded. Dividend Finance was informed and has not completed a fraud investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: MI
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:
Ive sent multiple letters to experian asking them to update my personal information, it took a months to fix finally they fixed then today to log in and theyve changed my address again without my permission and i have not moved from my current address which is XXXX XXXX XXXX XXXX XXXX mi XXXX. Today XXXX theyve changhed my address again

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation