BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-08
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Noticed this collection on my credit report called company said they would look into but nothing creditor is castle credit co holding says date opened XXXX XXXX XXXX is the past due amount

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
It will not let me use the card at all. It always says " there is a problem with your bank. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: EQUIFAX, INC.
State: WA
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 submitted my FTC identity theft report a copy of my social security card and my ID and proof of current income to all three credit reporting agencies I have disputed these accounts several times they are not mine but the company keep reporting them on my credit report even though I have stated I've been a victim of identity theft and these accounts do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX I have also requested that the credit reporting agencies send me any and all documentation that they received during their investigation that proves these accounts are being reported correctly and that they do belong to me that was over 30 days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: Credit Karma, LLC
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: Reporting company used your report improperly

Complaint:
Credit Karma ( www.creditkarma.com ) is an online service that provides free credit reports, tax preparation services, and offers for credit cards and mortgage financing. Among their partners are the credit bureaus XXXX  and XXXX. 

My credit reports are frozen at XXXX  and XXXX, as well as at XXXX. Yet Credit Karma has sent me messages about my credit card payments and usage, mortgage balance, and other information that should be soundly locked inside the credit bureaus. 

Credit Karma is not authorized by me to access my credit information. XXXX and XXXX are not authorized by me to share my credit information. So either Credit Karma is obtaining the information illegally or XXXX  and XXXX are violating the credit freeze and my privacy by providing my credit activity to Credit Karma. 

If this is being done to me, it is almost certainly being done to others, exposing my data to a third party and, potentially, to bad actors who might hack into their servers. This is a violation of consumer protections, undermines the purpose of credit freezes, and deserves immediate attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They refused to stop calling me. They have even called my sister, who is not responsible for the bill. Lied and said they only called her once, when they called her three times. Tried to ask for a physical bill to ensure they arent scammers and they absolutely refused. Called from several different numbers to make it look like they were someone else. The person was extremely rude and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: EQUIFAX, INC.
State: VA
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:
These arent not mine. They are fraudulent. Please remove as soon as possible. 

-- -- -EQUIFAX XXXX -- XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Acct paid in full XXXX when first statement ( dated XX/XX/2022 but not rec 'd til end of XXXX ) received. Statement late, payment refused by storefront, I paid as soon as I found a mailing address. Contacted Citibank multiple times. Initial late payment fee reversed, but still being charged for late payments and interest for not paying the reversed late payment. Account should be paid off with the XXXX payment if the late payment is reversed. Instead Citi is reporting delinquent payments and a balance due that has now grown to more than {$74.00}

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 monetary relief
Consumer complaint received 2023-04-14
Company: Kinum, Inc., Indianapolis, IN Branch
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had signed up for a monthly service from XXXX XXXX XXXX XXXX. The agreement is for them to spray inside and outside of the home, check termite bate stations and mice bate stations. I advised them that they needed to schedule all the appointments with me so I could make sure someone was available to let them into the property. This was going fine until XX/XX/2023. They took it upon themselves to charge me to a service that I never received. They said that they came and sprayed outside. However, the appointment was never scheduled, therefore no one was home, and there is no proof of any services rendered besides a bill they sent. Just to be clear them spraying outside is typically for the summer months for bugs. There is no bugs outside in the XXXX so I am not sure why they would do that. They didn't schedule the appointment therefore the inside was not sprayed, nor was the mice bate stations serviced, and I am not even confident that they actually sprayed outside the house. Once I got the bill I was upset because didn't schedule the appointment and I do not believe my home was serviced and worse case scenario properly serviced. I have never missed a payment with them or any other company for that matter but I refuse to pay for services that was not rendered which I told them that and canceled their service. 

In XXXX I received a notice from a collection agency. Kinum asking me to respond to the notice which I did and sent through certified mail on XX/XX/23 tracking number XXXX XXXX XXXX XXXX XXXX. They stated if I responded they would investigate the debt prior to trying to collect, but they did not stop. Then on XX/XX/23 i received another letter from them requesting I pay the money. They didn't respond to the certified mail at all. I called the number on the notice XXXX and entered the account number and it only refers me back to XXXX XXXX. I can not speak to anyone and I am not being heard. The bill is {$65.00} and I have nothing on my credit report because I pay all my bills on time. I do not want then trying to put false debt on my credit report. I would never skip on a bill if it is truly owed. I would never risk ruining my good credit score for {$65.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Name : XXXX, XXXX, XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Name : XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX Collecons XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On my report there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In XX/XX/2018 I opened an account with capital one for XXXX in credit and went up to XXXX in credit. Unfortunately, I am recently unemployed due to medical issues of a dependent. The current balance is XXXX. Since having little to no income I am not able to make payment. Capital One will not put me on a program so they stop reporting until i get an income. My son is having medical issues and i need to be unemployed until healthy again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: BANK OF THE WEST
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:
Bank of the West had a promotion to open a savings and checking account for a {$250.00} bonus ( XX/XX/2016 ). When I went to open the accounts at the XXXX CA XXXX branch, the staff forcefully opened a credit card account for me without my knowledge until after the fact. I insisted I did not want a new credit card, but they already pulled my credit without permission and did it anyway. The manager was also part of this as he confirmed it was not a hard pull ( it was a lie ). They also gave me a line of credit ( which I also didn't ask for ), based on my credit. The said it was part of the promotion package to build relationship with customer, which was false. No where on the promotion ad was mentioned that a new credit card account was needed to qualify. 

This is fraud and the worst banking practice I have ever experienced. I was so upset I closed the new accounts shortly without waiting for the sign up bonus to post. I also closed the credit card account after sometime. ( I did not close the card immediately to not mess up my credit score. ) This was over 2 years ago, but I just found out about CFPB so I would like to report 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 explanation
Consumer complaint received 2022-10-12
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX my wife and I went to close on our home. The Mortgage offered was a variable rate mortgage. We refused to sign. They went back to the lender and after two hours waiting, we were offered a first and second mortgage. The first was at 7.5 % interest, the second at 10.5 %. What we didn't realize the second mortgage was a home equity loan with a balloon due in XX/XX/XXXX. They want {$30000.00}. I'm XXXX and semi-retired and My wife is XXXX tomorrow and runs a daycare out of the house to keep money coming in. I still do XXXX XXXX XXXX part time, but our credit score and income are too low to get a loan to cover this. My name is XXXX XXXX, wife XXXX XXXX XXXX. Chase now is the holder of this loan and we have applied for mortgage assistance and is waiting for their response. I don't know how my wife and I missed the terms of this loan. This was done during a time when companies were known for this kid of loan. Isn't this a form of predatory loan and are these still allowed? Is there any recourse to get out of this loan? I'll await your contact. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: IN
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:
Equifax said that they were going to delete XXXX XXXX off my credit report per complaint report number XXXX. 
I've been closed a screenshot of Equifax saying that it was deleted and they never deleted it off my report even though they stated on the complaint report that they did. Needs to be deleted immediately. Still never honored and deleted it. This has been an ongoing issue for over 3 months. It's still an issue even after the complaint is closed they said it was already deleted and has yet to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hi Express Manager ; How are you and hope that you're safe and sound during this pandemic ( COVID-19 ) that we're facing. I just pulled my credit and noticed a late payment on XXXX 2019 on this account. I'm not sure how can this be even possible. I was shocked when I reviewed my credit report and found that late payment in XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am filing a complaint against Synchrony Bank in which my savings account had been restricted as I could not do any type of transactions since 2 or 3 weeks already. My savings account number is XXXX. I have attempted many times by calling and also sent online messages asking why my account was restricted and asked to transfer all funds to my external account with XXXX XXXX via ETF. No customer rep would tell me the reason why I was not allowed to withdraw money because of this unfair restriction practice of Synchrony bank. Today, I was told by the rep 's supervisor to close the account and to create a new one to get my money faster. I agreed with no choice and with my back against the wall agreed with reservations. Unfortunately, the same result ... after they closed the account the transfer of funds to the new account # XXXX wont proceed because of the restriction in the old account. So, in the end, I was not getting my hard earned savings. Even if I am receiving an email response, I was always told to call their customer service and the same results. No one would tell me why there was account restriction and the status of my request to withdraw all my savings. I need the money to be out of this bank ASAP. Thanks for your intercession.

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 2020-07-22
Company: COOLEY ENTERPRISES INC
State: NE
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:
The credit bureau is reporting a closed account with Clay Cooley Motor Company that is over 7 years old.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-27
Company: Selene Finance LP
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 I received a letter from my insurance company ( XXXX ) stating that my insurance policy would be cancelled as of XX/XX/2018 because Selene Finance had submitted a letter stating the property was vacant. The Rep. from XXXX stated they received the information from Selene on XX/XX/2018. While seeking with the Rep. from XXXX today ( XX/XX/2018 ) I informed her that I still was residing at the property that Selene stated was unoccupied. I was informed to send in a current utility bill and to also call Selene. I informed the Rep. that I was in the process of calling them and I am on hold waiting for someone to answer my call. I spoke with XXXX from Selene around XXXX and made him aware of my compliant and how it is not right that Selene Finance send out  false information other provider. I also informed him that I had been in contact with Selene a few time in XXXX since they did not credit a payment correctly which was finally resolved. I did ask XXXX if he could request that someone from the Insurance Dept. at Selene give me a call so that they could setup a time to come to my and visualize that I reside at the said address on file. I also informed him that I would be send over a utility bill and contacting Dept. of Banking consumer Affairs to file a compliant regarding falsifying document. This is not the first time that I had to deal with Selene about falsifying documents. How long does a consumer have to tolerate this type of action. I guess when the lender sees a well well groomed property they just assume that no lives there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

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: Avadyne Health Holdings, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 was my first appointment with XXXX XXXX XXXX an XXXX XXXX practice. This visit was originally suppose to be coded and billed as a " First time new patient visit to establish '' and it was not as reported by XXXX. I later received this bill and have been in dispute of it because in all the years I have been on XXXX and XXXX I have never paid for a doctor 's visit except for any copay that might be due which was about {$3.00}. 

I contacted the billing department at XXXX and XXXX and they have said they would take care of this issue. I was billed again and contacted the billing department again and they said the doctor is refusing to update the notations so the right coding can be submitted to XXXX. Today I received a debt collection letter about this bill that should have never been from day one. Even after my check-in on that first visit and I was advised there is no copay or no bill that would be due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Chances are that PayPal created other alternatives to harm me. I got randomly hit by a vehicle back in XX/XX/XXXX in connection with PayPal. I've ended up in the hospital and stuck with all these ambulance bills and other bills for no reason.

Company response to consumer: Closed with non-monetary relief