BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: CITIBANK, N.A.
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:
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, MACYS/DSNB add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per 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 2021-04-17
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am writing because I opened a PayPal line of credit in XX/XX/XXXX account number XXXX. Since I had the account, it has been paid on time with no late or missed payments. Suddenly at the peak of the COVID-19 situation in late XX/XX/XXXX Synchrony Bank who is the parent company closed this PayPal account and two others under Synchrony Bank umbrella.

When they first closed all three lines of credit that I had with PayPal, Mattress Firm and Lowes totaling over {$67000.00} worth of credit limit. They said at the time that I was a high-risk account. This had me confused considering I was only using a total of about 13 % or so across the board of my available line of credit. None of the cards were maxed out or anywhere close to. Nonetheless, on XX/XX/XXXX PayPal solicited me via email to promote or offer me a line of credit to an account that they closed in XX/XX/XXXX as mentioned above.

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 2022-01-09
Company: OneMain Finance Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a creditor falsely reporting delinquent account and late payments every month, even though they agreed to a settlement and the terms of the settlement are being met with my monthly payments in full and on time. I called them and tried to get them to report correctly but they said they will continue to report payments late each month, even though I am making all payments on time and in full each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I went to U.S. bank to cash a work check and the employees working there beat me up for my work check the employee grabbed my head and slammed it on the desk and said she wasn't giving me my work money or my check back the U.S.bank I went to to cash my work check is located at XXXX XXXX XXXX XXXX California please be careful the employees there said they was going to XXXX  me for my work money

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: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent you multiple letters disputing these accounts. The first letter I sent on XX/XX/2020 asking for you to verify these accounts you responded with verified. I sent you a second letter on XX/XX/2020 I asked you to provide me with account level documentation from your investigation and on how you verified these accounts you responded again with verified which is an unacceptable response under the FCRA I have a right to any and all information used to verify any account added to my Consumer report please provide me with the documentation used to verify these accounts or delete these accounts immediately! 
XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I initially went through XXXX to purchase currency and my transaction was denied 4 days after I submitted it. I called TD and they stated it is an issue with XXXX, but Ive since read that TD has been blocking virtual crypto currency. I just tried to start a transaction on the site XXXX and was denied again stating TD Bank is blocking you from enabling external transactions. This seems like theyre telling me I cant spend my money how I choose to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: JPMORGAN CHASE & CO.
State: TX
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:
In the summer of 2012, two credit cards ( issued by XXXX XXXX  and Chase Bank ) were opened in my name without my authorization. Both cards were maxed out and eventually sent to collections. However, knowing that I had no credit cards and having minimal credit experience ( I was XXXX years old when both cards were opened ), I paid no real attention to my credit reports until years after the account had already been closed/charged off and I did n't truly comprehend that my identity had been stolen until this year and upon discovery, I 've done everything in my power to reverse/repair the damage caused by this event. 
Both initial and extended fraud alerts have been placed on my credit file, I have filed a report with the FTC, and I 've been actively working to get these accounts off of my credit report by contacting the CRAs and the creditors directly. XXXX XXXX confirmed that the account was opened without my authorization and immediately updated its information and notified the CRAs. This is when XXXX placed the extended alert due to true name theft/fraud on my account. Chase Bank (, on the other hand, is apparently above section 623, and treated my letter as an account inquiry rather than an alert/notice of identity theft. I 'm not sure how Chase was able to confirm that the information reported was correct after I report to them that the account was fraudulently opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-04
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
The company has multiple inquiries on my report with XXXX, and one inquiry on my reports with XXXX and XXXX XXXX. I have written to the company in the past regarding the inquiries, requesting documentation to support permissible purpose, but have not received anything other than an acknowledgment that they did access my credit files. Lacking any evidence supporting permissible purpose, specifically in writing, as is required by Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] a ( 2 ), I would ask that the company remove these inquiries from all three of my credit reports.

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: Experian Information Solutions Inc.
State: IA
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: Problem with personal statement of dispute

Complaint:
I Had Disputes that were that I won and we're supposed to be deleted off of my credit reports. There were 2 Disputes that said Deleted and taken off my report, but I noticed that the highest one was still on my report so I messaged Experian and asked them to fix it and take it off. ( XXXX XXXX XXXX ) report # XXXX on XXXX XXXX. Well they opened another dispute and it came back on with another bill. Once again the larger of the two stayed and the other was taken off my report. I contacted Experian and asked what was going on and they told me they have no record of the original Accounts saying they're Deleted and taken off my reports. So now after talking with them there is 3 more collections from the same company and the original is still on my report. Also I had informed them of fraud that happened on XXXX that they took care of but didn't take into account about my original complaint. I would like these accounts that said they were deleted and taken off to be taken off my report. Along with all of the rest because if I can win 2 Disputes of this company they shouldn't have a leg to stand on and keep coming after me with different amounts just because they think they can. That's not right and I've proven they don't have original documents to prove other wise. I'm getting screwed by Experian & the XXXX XXXX XXXX at the same time back and forth.

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 2017-12-27
Company: Experian Information Solutions 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:
The company XXXX XXXX XXXX has placed their information against my social security number and it 's causing great harm to my credit report. I have tried to explain to this company that this account is not mine I have not signed a contract with them.. I tried to explain to this company via online and through the credit reporting agencies that these accounts ( ending in XXXX and ending in XXXX ) does n't belong to me. They only sent me a bill with no signature on it. No copy of terms of the agreement per my request. No transaction history and no billing history which shows some crazy balance amount for both accounts. This is on my credit profile and it is holding me up and it 's not my responsibility. This company is a scam and does n't care about consumer rights. They do n't answer their phone at all and have not provided the information I have requested as a consumer.I am not able to pay this account as it 's not mine.

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: PLAZA HOME MORTGAGE, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been a client of Plaza Home Loans for more than 4 years. I don't escrow funds with them. I pay for my insurance/taxes out of pocket. In XXXX of 2021, Plaza Home Loans decided to send XXXX XXXX more than {$3000.00} for insurance. I have always paid my policy out of pocket. XXXX XXXX has emailed, mailed and faxed the copy of my proof of insurance many times. Plaza States they haven't recieved it. State Farm Mailed back a check in XXXX to refund the amount they sent. Plaza says it was cashed, then not cashed. XXXX XXXX sent proof of payment via email, fax and mail. NO response. Plaza has sense taken all my monthly payments and applied them to the negative escrow balance from the check they sent to XXXX XXXX. They have sense reported me to the credit agencies for 30 and 60 days late. I have made my monthly payments every month since the start of all of this. They have all my funds and haven't applied them to my payment. XXXX XXXX resent the check with a letter stating errors and omissions that it was their fault and the check was returned. STILL NOTHING. I have put in over 50 hours trying to resolve this over almost 5 months. My credit score was a XXXX and is now XXXX because of this. I have been penalized for NOTHING I did. It wasn't my fault they sent funds and I have been left trying to resolve, have negative credit reporting and have spent more than 50 hours of my work time handling a situation that should never happened. I have talked to hunderds of people at PLAZA and still no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Both Commonwealth Finance and XXXX XXXX XXXX are both reporting my old debt of about 4 to 5 years ago as new account and both are showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom It may concern I feel that the Lender purchased our property at a nonjudicial foreclosure sale, there by violating Civil Code section 2923.6, the prohibition on " dual tracking '' contained in the Homeowners Bill of Rights when they conducted a foreclosure sale of my property while the loan modification application was still pending. If you need any other information needed will be forwarded. 


Yours truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: United Student Aid (USA) Funds
State: LA
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:
So I filed bankruptcy twice. All my accounts were included in my bankrupctcy and closed out with a XXXX  balance. When I initiated a dispute with t he credit bureaus they responded and added all the loans back on my report with a deferred status. which brought my score all the way down. they changed the balances and kept the same date opened dates. by law this is illegal. i have tried to resolve this issue by just disputing the accounts but they they keep reporting as the accounts are accurate and opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Had an account at TD Bank NA, XXXX They closed the account on XX/XX/21 and sent the balance without the accrued interest. 

On XX/XX/21 they debited the account for two payments to XXXX XXXX, for {$45.00} & {$40.00} Four days later the closed the account, the money was available in the account as shown on the statement. 

On or about XX/XX/21 they reversed the payment, which should not have. 

They must either send me a check for {$85.00} or make the payment back to XXXX XXXX. 

Tried to resolve by calling and emailing, but got now answer from TD Bank. 

TDBank is stealing and committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello,I would like to dispute a convergent collection for XXXX XXXX XXXX.  I have tried to dispute it with XXXX XXXX XXXX, Convergent, XXXX and somehow the collection still remains. A balance of XXXX$ remains for the billing period XX/XX/2018-XX/XX/2018. I moved out of by XX/XX/2018.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I recently tried to open a bank account with XXXX XXXX XXXX XXXX in addition my wife attempted to add me to her account with XXXX XXXX. On both occasions I was denied due to Bank of America having incorrectly reported fraud to XXXX XXXX XXXX. I have repeatedly requested my report from XXXX and repeatedly called Bank of America requesting this incorrect information be removed. This reporting has been detrimental to my family. I am essentially unbanked. I can not make the regular transactions a hard working, tax paying citizen should be able to make. My wife & I are trying after 6 years of saving, to buy a home. This report is negatively impacting that process as well. Bank of America has shown no remorse for this situation and refuses to correct this issue. I respectfully request the CFPB to compel Bank of America to remove this inaccurate, devastating reporting from the file with XXXX XXXX XXXX. In addition, I respectfully request CFPB to compel XXXX to provide me with evidence of the fraud they so claim. 
XXXX has been the subject of NUMEROUS class action lawsuits for this very same disgraceful behavior. This can not stand. They are harming American citizens with no regard to the lasting impact to their families.

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 2017-11-01
Company: Automotive Management Services, 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:
My Identity information had previously been compromised and used to open several accounts and inquires without my permission. This XXXX of them and is a fraudulent account. 

Automotive Management XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX auto loan XXXX opened- XXXX I 've currently submitted an identity theft report to The Federal Trade Commission as well as disputed this account with XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My XXXX and XXXX Perkins loans are serviced through ACS, now XXXX. I have been working as a XXXX XXXX for the last three years and prior to that as a XXXX XXXX, and as such my Perkins loans qualify for cancellation. I have supplied adequate documentation annually to ACS, and every year there is great difficulty in obtaining my loan cancellation. Again this year I have submitted the proper paperwork and ACS continues to request further documentation. This documentation continues to place an unnecessary step in the cancellation process as I have already provided the information requested to process the cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened my Citibank checking account on XX/XX/XXXX. I get a direct deposit and I pay a bill every start of the month like clockwork, no changes in doing so in all these years. No problem with waiving a monthly fee for 4.5 years. 

Then on my XX/XX/XXXX-XX/XX/XXXX statement I get billed the fee of {$10.00} for 6 months until the fee increases to {$12.00} on my XX/XX/XXXX-XX/XX/XXXX Statement which continues for 31 months until my XX/XX/XXXX-XX/XX/XXXX Statement. 

Last two months the fee was waived for theXX/XX/XXXX-XX/XX/XXXX Statements. 
That 's ( {$10.00} ) + ( {$12.00} ) = {$430.00} of fees that I should never have been charged. 

Every time I talk to Citibank I get the runaround & I get nonsense comments like to get it waived log in to your Citibank Online account and pay your bills through us. I use their Debit card monthly like I always have to pay bills & still get Direct Deposit to my account like I always did. Nothing changed on my end from the start. Obviously something its fishy on their end if I did n't get fees for first 4 and a half years & again these past 2 months. 
It 's a rip off plain and simple. They should thank me for bothering to stay for almost 8 years.

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 2020-11-06
Company: Experian Information Solutions 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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.

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 2020-11-06
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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.

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