BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One credit card paid as agree since XX/XX/XXXX it is on XXXX as charge off this account was deleted from other credit bureaus companies XXXX and XXXX. It has been almost 2, years fighting to get this now with this pandemic I have to suppor my family I am a small business owner i have an exceptional payment history on my credit and due to this issue I haven't got a small business loan by my XXXX XXXX because this charge off shows on my credit report by XXXX this is the credit bureau this bank use. Please this capital one credit card was open XX/XX/XXXX it has been 9 years already I am struggling with this issue. I paid this credit card and close the account. I demand this account to be deleted from XXXX credit reporting agency I demand capital one to authorized this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I Ive in XXXX XXXXXXXX ny so I dont know if youd be able to help Ive seen other stories youve done on chime and I thought that you could help I lost my phone on XX/XX/2021 the next day {$2500.00} was taken from my chime account ghe next day I immediately order new phone and filed a dispute that did nothing as chime said no error occurred even though I showed them emails from my phone provider showing my phone was missing and that they had sent out a new phone to me, on XX/XX/XXXX I had a {$25.00} and {$2400.00} transaction from XXXX as I told the chime agent on the phone my XXXX  account is on my phone they could easily add money to the XXXX  account from my bank card I then again opened another dispute chime denied that dispute for {$2400.00} but approved the {$25.00} one although they were taken at the same time from the same merchant Ive filed XXXX  complaints, FDIC complaint and nothing then on XX/XX/XXXX I reported that money had been removed from my savings and put in my checking an hour later there was a {$2000.00} XXXX XXXX payment which all of these where unauthorized like I told the chime agent I never make a ton my account for more than {$400.00} I really need help I dont what else I can do Ive sent them screenshots of emails from XXXX and XXXX which they both confirmed that my phone was stolen and my accounts where hacked

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: Experian Information Solutions Inc.
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:
This is a minor issue as this account is scheduled to fall off my report next year. XXXX XXXX has charged off and closed an old account and sold it to a collection agency. Since they no longer have a vested interest in this account, im respectfully asking them to remove it from the three credit reporting agencies. I have another account with them in good standing. I understand that they are not obligated to remove it from the three credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
i filled this out it mustv erased. wow so my mortgage mod app was denied. was innappriate, was just denied this month. 
it took almost a 4 month application process, and they still never asked me to send verif of the XXXX down payment amount they had already approved. 
they denied in writing for not enough down payment but they told me the amount was sufficient, but they called the bank before they made decision of denial, to see if money was therw. i told them that i keep money at home, i dont use bank. 
they say a whole lot diff than they write. 
also, my past and recent XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX  approx, tRV ying to fix or get the correct therapists, prescribers, primary, and now i need a revision XXXX XXXX, i have a XXXX XXXX, and XXXX/XXXX, i finally have fixed 85 percent of tge issues i lived with for 38 yrs. 
i now feel like ia reas l person, the drs and prescribers have saved my life, after so many yrs of failed Doctoring. repeatedly. 
Real Hardship ... 
also, added i have a XXXX XXXX. and had to stop working because of all these problems compulated. but i finally have enough income, plenty, and feel normal which il never miss a payment, esp now w even more fixed income, and a straight, and focused mind, and they deny my app for modification. does not make sense please call me, XXXX XXXX XXXX, thet y already hsd approved foreclosure, stopped and now resumes process becasuse of the denied app for modif. so they are past many points and close to fi foreclosure sale. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX FAILED TO REMOVE ALL FRAUD ALERTS AND FREEZES AND UNLOCK MY CREDIT CREDIT.

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 2021-09-21
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Regarding Complaint ID # XXXX : THIS IS NOT A DUPLICATE COMPLAINT! 

The previous claims submitted were denied EXCEPT the first one! The remaining claims STILL NEED TO BE ADDRESSED THOROUGHLY! They were denied due to payments delayed due to change of address of your processing center. 

Per the attached statements, the address was not corrected on my statements until the XXXX statement! These payments required additional time to process, but not due to MY PAYING LATE!! How was I to know the address changed without notification until XXXX? 

Therefore, ALL interest charged on XXXX statement, {$17.00} : XXXX statement, {$10.00} ; and XXXX statement, {$7.00} should be credited back!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: SYNCHRONY FINANCIAL
State: NY
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:
I checked my balance to confirm my payment and saw the minimum was much higher due to a late fee. Upon checking I saw my normal electronic payment went through a day late, and I am not sure why. Either way, I called as having great credit history and the card for over a year, I requested they reverse the fee. They refused. I asked why, they said the statement was already generated. I told them their interest rates were already among the highest in the market to show some courtesy to a good customer, they said " no ''. I am stuck with a higher payment, my balance has barely gone done in over a year even paying more than the minimum and I can't this albatross out of my life.

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 2017-11-29
Company: Colony Brands, Inc.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I recently paid off my installment to XXXX XXXX for purchasing a few items. When I paid the debt I was informed everything was good to go. I was not informed of any negative information that was going to be reported to the bureau 's saying that I had failed to pay. I was not given any warning statements of any sort. Never once did they report anything positive to the bureau 's but decided to report negative information. I do not believe that is fair to never report anything positive but feel the need to report negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Since XX/XX/2019 Bank of America has reported a new charge off every month so my account is now showing 14 charge offs. Additionally, I am paying as agreed with their collection agency after trying many times to work out a deal with them. There was only one charge off. I reported this and received a letter stating that the investigation was closed and the information was correct. This is the pinnacle of UNFAIR credit reporting and I request that you require them to accurately report that there was one charge off in  XX/XX/2019. Absolutely show my past due amount in fact, I am also paying as agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
XXXX XXXX XXXX  is reporting wrong information to all three credit reporting bureau 's. XXXX XXXX is reporting a balance of {$2400.00} on the account. It is showing the original charge off amount is {$5300.00}. The last payment XXXX received was {$200.00}. If the amount of the charge off is XXXX and the balance is now XXXX the last payment should be more. It is also showing on the credit report the last payment was received in XX/XX/2014. On the credit report It shows no data for the payment history of XXXX and XX/XX/2014. This whole tradeline is showing incorrect information that does not add up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
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 opened my bank e-mail account and saw and this is a recent update because the amount went down on the cash account? Which wells Fargo Mortgage department could not answer me what a cash account is. I do not like what is going on is this illegal are they playing with my mind and account because if you put it there you would be able to answer me about that cash account that was the Presidents office of Wells Fargo. Second I received the information in the pages I sent you. WHAT IS GOING ON.I have waited since XXXX of last year for a answer. IM fed up answer me make a decision its not that hard I found it myself and I don't have a degree

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 2020-09-15
Company: Dynamic Recovery Solutions, LLC
State: CT
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:
On Tuesday XX/XX/2020 I received a notification from XXXXn about a change to my credit account. When I logged in I saw 7 negative collections accounts on my credit report, all for private student loans taken out between XXXX. There has been no payment activity on these for 10+ years. Around the time when I was looking to purchase my house XXXX years ago the same thing occurred. I can't recall if it was the same company but they attempted to add collections accounts to my credit report which I disputed and put in a complaint with the cfpb. They subsequently removed all credit reporting, acknowledging that the debt was well past the statute of limitations. Seeing as that was nearly 3 years ago now the status of the debt has not changed and no additional payment activity has occurred that would have reset the clock. I am attempting to dispute the accounts through the various credit agencies but I would also like to file this formal complaint in the hopes that their illegal reporting of old debt might be investigated at a future date. 

The collection agency 's information is as follows : Dynamic Recovery Solutions , LLC XXXX XXXX XXXX XXXX, SC XXXX phone : ( XXXX ) XXXX email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My personal checking account was closed without notice on XX/XX/XXXX. The account was in good standing and primarily used for direct deposit and paying bills. 

I called customer service on XX/XX/XXXX and was told that I should receive a check for {$15000.00} within 7 business days. 

I called back on XXXX and was told that my account was actually closed on XX/XX/XXXX and that I should expect my check within 10 business days. 

I called again on XXXX and they told me to go to a local branch to resolve this. 

I went to a local branch on XXXX and they issued a new check but it won't arrive until XX/XX/XXXX at the earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
To Whom It May Concern, on XXXX I called up 2 credit card companies which I am an authorized user on my cousins cards. For some reason they are not showing up on my credit report. I called up both companies and on there end, they stated I was reported and they had no problems. The 2 cards are melaleuca by XXXX XXXX ending in XXXX and the other is XXXX XXXX  ending in XXXX. I was told that I have to notify each credit service and they will fix this misunderstanding and update me on credit report. As I have been paying with no problems since added by my cousin.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX FAILED TO REMOVE ALL FRAUD ALERTS AND FREEZES AND UNLOCK MY CREDIT CREDIT.

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 2021-06-08
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:
The following hard inquiries were not done by me as I suspect it may be fraud and it's reporting on my credit report : XXXX Credit Inquiry to XXXX XXXX Via XXXX XXXX XXXX XXXX XXXX Via XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2021-06-08
Company: EQUIFAX, 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:
The following hard inquiries were not done by me as I suspect it may be fraud and it's reporting on my credit report : XXXX Credit Inquiry to XXXX XXXX Via XXXX XXXX XXXX XXXX XXXX Via XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Just recently got a letter from convergent saying i owe an alleged debt of {$710.00} I haven't done any business with this company nor did I have a contract with this company they are in clear violation of my consumer rights under the FDCPA 15 1692b ( 2 ) stating that I owe an allege debt and 15 usc 1692b ( 5 ) I am attaching a cease and desist letter to stop all further communications

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Synovus Bank
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: LA
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:
I have contacted the credit bureaus on multiple occasions and they have yet to fix my issue. I have multiple inquiries on my credit report that I did not authorized and I need them removed immediately.

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 2021-09-21
Company: Experian Information Solutions 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:
To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect balance for this account XXXX Account # XXXX. Because the balances being reported by your company and XXXX, XXXX, & Experian are different, this means the account has not been properly verified. Charge off account showing currently showing past due. This account was paid and still showing balance. 
Please delete this account immediately

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 2019-05-21
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a TD Bank Preferred Savings account on XX/XX/XXXX with a promotion I received in email. The promotion mentioned at several locations that the Savings account would have 2.50 % APY guaranteed for 12 months with the following conditions : " 1. Be a current TD Bank Customer who received the TD Preferred Savings introductory rate email 2. Open a new TD Preferred Savings account online between XX/XX/XXXX and XX/XX/XXXX 3. Deposit and maintain a minimum of {$20000.00} but no more than {$990000.00} in new deposits in your TD Preferred Savings account. New deposits must be funds not currently held within a TD Bank retail deposit account. 
4. Link an eligible account. '' It also mentioned " Offer is limited to one TD Preferred Savings account per Customer who receives the Introductory APY email. The Introductory rate is valid for a limited time, guaranteed for 12 months from account opening date ( Note 2 ), and applies only if the daily balance of at least {$20000.00} but no more than {$990000.00} is maintained. " and Note 2 says " 2.  Promotional rate is guaranteed not to decrease during the first 12 months from account opening. Rates may increase during this time. '' I met all the conditions and earned the 2.50 % APY from XXXX XXXX to XXXX. XXXX. From XXXX. XXXX, my interest rate dropped to 0.5 % without any notice. I discovered it near the end of XXXX. and contact customer service many times trying to resolve it, but got many different answers and theories. Someone said it was an error and they will adjust it for me, but it never got adjusted. Someone offered a theory saying that because I had only 2 transactions in XXXX in my checking account, I was not qualified with the interest rate, but my interest rate will come back to 2.50 % APY in XXXX since I had 3 or more transactions in the checking account in XXXX. This theory is contradictory to the many rate guarantees stated in the promotion. Even the system is actually working according to this theory, the promotion is very deceptive. Moreover, in XXXX I found my interest rate did not come back to 2.50 % APY, and customer service offered another theory that since I did not have 3 or more transaction in XXXX, the 2.50 % APY is gone forever. This is again contradictory to their previous theory as well as the promotional offer. 

Attached is the email promotion I received and my bank statements.

Company response to consumer: Closed with explanation