BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: Bread Financial 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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I reached a payment for agreement settlement with XXXX XXXX, debt buyer for Comenity Capital Bank. I met the agreement and paid in full. Documentation attached. XXXX XXXX deleted the tradeline from reporting to the 3 bureaus but Comenity will not hold their end of the agreement. I provided proof of this settlement agreement, payment proof, and showing of XXXX XXXX XXXX dismissal with prejudice. Comenity Bank responded to 6 disputes through 3 credit bureaus by refusing to remove the tradeline and continues to report derogatory information on late payments from XXXX. This is a violation of the terms of agreement and damaging to my capacity to secure financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: ALLY FINANCIAL INC.
State: NY
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:
While inquiring about trading in my vehicle to purchase a new/used vehicle, I went to several car dealerships ( ex. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) and each dealership that I went to I explained to the sales person as well as to the finance manager that I did not want my credit ran multiple times nor to multiple banks as this would lower as well as have a bad impact on my credit score. I also explained to them how reluctant I was with signing the application because of those reasons as well and ever time they stated " oh the banks will notice that you are car shopping and if there are applications to the same bank they will only count as one if it 's within a 30 day period '' I am just now finding out that they all have provided me with inaccurate information and that if it 's more than 1 of the same inquiry to the same bank or company within 30-45 days only 1 inquiry should be showing up not 1 for every inquiry. I have notified the dealerships and the banks asking them to remove these inquiries from my credit report, however they continue to pass the buck. The credit bureaus ( XXXX and XXXX ) says they ca n't remove inquiries and to call the dealerships and dealerships say they ca n't remove inquiries and to call the banks, the banks says they are n't the one 's who requested the inquiries call the dealerships. XXXX stated that they ca n't see that far back to pull the application from XX/XX/XXXX. Ally ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), XXXX also known as XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I was just recently informed that XXXX XXXX ran my credit to 10 banks which is unacceptable when I specifically asked them not to. As a individual that work hard for their money and try to have things where its feesable for my pockets, I get very upset and find it disturbing that car dealerships will lie to customers in order to benefit and get over just to make a sale. As a customer these are people that we put trust into and they have let us down. It is extremly difficult to get a new vehicle, buy a house etc. with all of those inquiries.

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 2017-11-07
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My husband opened this account since XX/XX/XXXX and later I was added to it. The institution where we have this account is very appropriate for our business due to I 'm a very busy person taking XXXX XXXX XXXX XXXX persons in my family. When I started to manage the account I noticed that there were to many overdraft charges and I check in my notes and found that this institution charges fees on any transactions that may avoid the charge if they just make what other institutions do. Post deposits prior to the payment or activity that make out accounts to go overdraft so they can charge the fees. 
My most resent problem was this. 
On XX/XX/XXXX My bank charged XXXX dollars of overdraft fee for two transactions that had balance to be pay. 
( See bank transactions report from XX/XX/XXXX- XX/XX/XXXX attached ). 
Like this time many of these transactions became on many of overdraft fees over the three years we have been business with this institution. 
They make you open a saving account too with a automatic transfer of XXXX dollars minimum to maintain the account service fee voided and do not tell you that they will charge fees for transactions made between this two accounts ( checking and savings ). 
On XX/XX/XXXX I have been charged XXXX dollars for OD Protection fee. ( see Statement report from XX/XX/XXXX through XX/XX/XXXX attached page 4 of 6 ). 
These are not the only times this has been happened. I spoke to the bank manager the first times I saw this happen but she removed the first fees charged in my account. After a few times I reject the charges she told me that I needed to go directly to the branch where my husband initially opened the account because she was not able to remove more fees in the future. My husband opened the account on a branch that is close to his job and we live very far from his job. I definitely did not go there, so the fees continue until this date. In total I have been paid {$4000.00} according to the bank ( see attached bank letter ) I know I have been paid this money but is not right to pay some of these charges just because some institutions do n't make the right things. Please check on this and I hope you can help us, as consumers to have a voice.

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 2021-04-17
Company: Nationwide Recovery Systems, Ltd
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is fraudulent activity I did not authorize anybody to sign me up for this account with this company if this doesnt get resolved ASAP I will use legal actions according to the federal law the debt that this company is trying to Collect for me was sold and not being authorized to do so I am obligated to use legal actions I want this account to be removed off my credit report as soon as possible if this doesnt get resolved legal actions will be pursued it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America failed to offer me their $ XXXX  monthly fee account until I requested to close my account on XX/XX/XXXX. Bank of America Misinformed me on XX/XX/XXXX when I first called in about this fee saying it was bank error when I could have been advised of the correct reason as to the problem. 

XXXX, I called Bank of America about a monthly fee of {$12.00}. I spoke to XXXX. I advised the rep I had called in previously about this fee and prior rep said it was a bank error and reversed the fee as I was making direct deposits more than the amount required from employer and payactive. Rep was very unhelpful and blamed the fee on me not making enough direct deposits. I requested the rep 's supervisor. I spoke to XXXX. XXXX for the first time advised me that she showed the direct deposit coming in from my employer and the other was coming in as a debit deposit from " XXXX '' which was not considered a direct deposit. I advised her that the rep named XXXX that I spoke to about the same issue on XX/XX/XXXX had advised me it was a bank error as she confirmed the direct deposit from employer and XXXX  were more than the minimum direct deposit required to have a free checking account. I asked to close my account. XXXX then offered me for the first time a checking account with a monthly fee of {$4.00} which I accepted. XXXX however did not reverse the $ XXXX monthly fee charged on XX/XX/XXXX. 

I have had my account with Bank of America for more than 15 years since I was a freshman in college. I have direct deposit coming into this account from one of my employers through the employer itself and XXXX. This account had always been an account with no monthly fee. Many changes had happened with Bank of America over the past year 's and I had always seek an account with no fee with Bank of America. Bank of America never offered me their $ XXXX  monthly fee account until I requested to cancel it. 

I feel Bank of America reps XXXX and XXXX had treated me unfairly and could have resolved this issue regarding the XXXX XXXX monthly fee assessed for the second time based on the misinformation and lack of information provided to be by the rep named 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 monetary relief
Consumer complaint received 2021-04-17
Company: CITIBANK, N.A.
State: AZ
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:
Good afternoon. I was currently XXXX XXXX, XXXX XXXX XXXX to XXXX, during this time I was told to open an account with Citi bank, under government travel, this account would be my government travel card, that the department of the XXXX is responsible for paying. This was a card used to book travel through the military, pay for meals, all while on government orders. The government was in charge of paying off this card. I contacted citi bank to try and resolve this issue, they stated that they issued me a 1099, and I do not owe anything on the account. They then stated that they can not take this off my credit report even though it is paid for and close. I was not responsible for paying this balance, the XXXX is responsible, now it is on my credit report as a charge off even though the account with citi bank is closed. Can someone please help me remove this account from my credit report as a charge off. Thank you.

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 2021-10-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been talking with chase since XX/XX/ when I found out my account was frozen while trying to pay a bill. When contacting them I was given the run around for 4 hours with no information provided on why my account was frozen. I just kept getting told that my account is going to be closed and it was a final decision but I wasnt give any prior notice. I was also told that my account wasnt closed by 2 of those people I was transferred to but my debit card was closed. I kept getting conflicting information so I transferred my money to another bank and my transfer was canceled by chase. I was also told by the last person I spoke to that she didnt know why they had been transferring me around because my account clearly stated I needed to speak to the online department who didnt help either. Since I wasnt getting any where with chase a made a consumer report. They then sent me a notice explaining that my account was frozen due to suspicious activity or lack of information requested by them. I then called the number and they told me the account is being closed and it is final which contradicts the whole notice I was given. And also meaning they didnt contact in regards to the suspicious activities in which they are required to do.they also didnt contact me until I reached out to Consumer Financial Protection Bureau so they were going to close my account without my knowledge. And without giving me access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2019-06-26
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received two e mails in the Wells Fargo message portal that the bank was ending our banking relationship because I posed a risk. The letter stated no further deposits would occur and no further transfers would occur but that I would instead in its place receive various cashiers check. I have yet to receive a cashiers check, I have yet to receive even an e mail or phone call stating that a provisional credit will be applied as we investigate the facts of the matter.

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 2021-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 tried to increase my credit limit several times with XXXX XXXX. They have given me several reasons:1 ) my balance on the card is too high 2 ) my credit score wasnt high enough and now they said I dont use the card enough. I worked hard to lower the balance and increase my credit score and now they say I dont have enough activity on this card when I just used it twice this month. The company constantly sends me approvals for other cards and asks for me to open a new card when I go inside the bank, but when I ask for a credit increase I get denied. The purchases I make are expensive and the reason I dont use this card often is because the cards balance is too low for the cost of the items I purchase and they take too long to make my funds available after I make a purchase. On XX/XX/XXXX, I made two purchases that totaled over {$2100.00}. My limit is {$3000.00}. I paid the balance in full on XX/XX/XXXX, but I was only given the available balance of {$800.00} until yesterday XX/XX/XXXX. The next item I needed to purchase was a bedroom set for {$1200.00} but I couldnt because I didnt have enough money available on my credit card. My roommate, a white male who have a lower credit score than me, makes less then me, and have more debt was able to make large payments from a separate bank, the same as my own, and have his funds made available right away. He applied for a credit card increase with a XXXX credit score, lower pay, and an almost masked out card from XXXX XXXX and was approved immediately. Im an XXXX American woman who makes six figures, with XXXX credit score, who has never missed a payment and have done everything I was asked to increase my my credit limit and they came up with a another reason to decline me that doesnt makes sense other then they dont treat XXXX people fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
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 previously disputed several inquiries with equifax but they failed it investigate the inquiries I am disputing. These inquiries are a result of identity theft and are affecting my credit. The inquiries I am disputing are : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX, XXXX XXXX, You are required by law to investigate these inquiries, and or remove them if no proof was given that I ran or authorized these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: RockLoans Holdings LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XXXX XXXX XXXX  ( ROCKET LOANS ) XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX DENIAD MY LOAN FOR NO REASON, application was denied for no reason after reviewing my credit, there reasoning to many inquires ( shows too many inquiries within the previous 12 months ) I have a total of 8 Inquires in 2 years which current account and good standard no derogatory account XXXX credit score and i was denied several of Co -- workers had toll they were Denied with awesome credit this company is discriminations against XXXX has gone out hand this company in conjunction with ROCKET LOANS ARE DOING ILEGAL PRACTICES PLEASE INVESTIGATE AND REPORT THESE PRACTICES, AS I HAVE TO THE GENERAL STATE ATTORNEY, FBI, BANK COMMISSION, OFFICE OF CONTROLLER, FEDERAL TRADE COMMISION AND ALL AUTHORITY OF THESE PRACTICES OF THESE 2 BANK -- - RocketLoans.com XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Select Portfolio servicing. Will not work with us at all to lower our mortgage, or to save our home. After 2 XXXX XXXX  and then XXXX that my wife and I both had. They are trying to up our mortgage payment. They are like a predatory company at the worst.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: CITIBANK, N.A.
State: DC
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/2021, I placed a {$660.00} order on XXXX using my Citi credit card. The website stated that my order would ship out by the end of XXXX, and the return policy stated that customers could cancel and get an 100 % refund if their order was still not shipped 2 weeks after the estimated shipping date. 

On XX/XX/2021, I emailed the XXXX requesting a refund ( in accordance with their Return Policy terms ), but they did not respond ( which is a known tactic they employ according to the customer feedback on their XXXX page ). 

On XX/XX/2021, I opened a dispute with Citi related to the charge, and they issued a provisional credit to my account in the full amount. 

On XX/XX/2021, I received a letter from Citi stating they have " closed our investigation and reversed our credit '', and referenced the merchant 's response ( a " Chargeback Evidence '' PDF from Stripe that entirely lacks any information about the Refund Policy or shipment Tracking Number ). 

The letter also stated I could continue the dispute by providing " Proof of the terms and conditions you agreed to and documentation to prove you cancelled in accordance with those terms and conditions. An example of this proof is a cancellation confirmation email from the merchant. '' This information was to be emailed to XXXX by XX/XX/2021. 

On XX/XX/2021, I forwarded the order confirmation email & my refund cancellation request email, along with copies of the vendor 's Refund Policy, and the signed copy of the XX/XX/XXXX letter to XXXX. 

On XX/XX/2021, I received another letter from Citi stating that they are " unable to resolve this dispute in your favor since we have not received the proof of the terms and conditions you agreed to and documentation to prove you cancelled in accordance with those terms and conditions. '' I provided all of this information in my XX/XX/2021 email.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: CAVALRY INVESTMENTS, LLC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I take Cavalry Spv I , LLC to court to lower a garnish in court the judge secretary hand me a paper was sent to them say garnishment stop and paid in full it's was 3yrs ago and they sold my bad debt to different collections agencies XXXX XXXX XXXX debt collectors and that company sold was form XXXX the amount own XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: CITIBANK, N.A.
State: HI
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 have a credit inquire from XX/XX/2017 by CBNA - bank credit cards, I am not applying for any credit from anyone or any company, this is in error.

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