BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-25
Company: EQUIFAX, INC.
State: GA
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:
Contacting you all again. I tried to get a personal loan from my bank that l I've banked with for over 10 years and I was denied. When I asked why they said my credit was too poor. I was confused because I pay my bills on time and don't owe a lot of people. When they showed me my credit I was shocked to see things on there that wasn't mine. These items are still on my report : XXXX. XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I have a capital One business credit card that showing on my credit report. 
On XXXX, i contacted capital one that i was having hard time paying the bill due to COVID-19. XXXX XXXX has been closed due to impact. When i contacted the Capital One they seemed like they understand the situation. And the system automatically generated new payment options so i thought it was good. However, the company reported my payment has been late even though i explained that my business was affected by COVID-19. But, they still reported the credit bureau and it still shows on my credit report that i was late even though it was my business credit card. I applied for EIDL loan for help but i got declined EIDL loan from the government due to credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to dispute XXXX/XXXX XXXX. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2021-10-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
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/XXXX a charge of {$760.00} was fraudulently made on my USAA Bank credit card. I had not used this card since XXXX and did not realize that it had been used until I began receiving collection calls in XX/XX/XXXX. On XX/XX/XXXX I called USAA Bank, found out about the charge, and made it clear that this was a fraudulent transaction. I was told that the this would be taken care of. Nothing happened and collection calls and letters continued. I have called again a number of times, have spoken to about 15 agents over the course of approximately 5 hours. I have been told several times that the charge would be taken care of several times. As a result of the XX/XX/XXXX call there was a credit of {$790.00} applied to the account. However, this did not cover all of the interest and fees, and collection calls and letters have continued. On XX/XX/XXXX I sent a registered letter to USAA Bank in the hope that they would respond to a mailed dispute ( copy attached ). Again, nothing happened and I recently received a letter from USAA that they intend to send the account to a collection agency.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I had a family issue that caused me to take custody of my nephews in XX/XX/XXXX. It had placed a financial burden on my family as I couldnt work due to their needs. This caused me to miss payments, etc. I was going to file for bankruptcy but decided to try to negotiate settlements with the card companies. I couldnt get a settlement with Citi and then XXXX XXXX bought the debt. They sued me through XXXX XXXX. I set up a payment plan and everything was going well until XX/XX/XXXX when XXXX erroneously charged me twice. While this happened, it caused my payment to be returned to XXXX XXXX and I didnt realize this had happened. Honestly I deposit enough for the bills and then have everything set up automatically so I dont check the account as often as I should. XXXX XXXX said they notified me by mail that the payment was returned but I never received any communication from them. Maybe lost in the mail?!? However, they never tried to resubmit the payment or tried pulling funds for any subsequent payments that I had preauthorized. They have no frozen my bank account and have caused more damage ( missed daycare payment, insurance payment, late fees, etc ) all over a relatively small amount owed. Especially during a pandemic ( we maybe coming out of it now? ) when everything is rising and things are already tough for many people.

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 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This company ran unauthorized credit inquiry on my credit report. Please remove asap as this is suspicious to me : 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 explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: GA
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 am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2017-11-01
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, On XXXX/XXXX/XXXX I was utilizing Citi Cards website, signed into my personal credit card section. They advertised an opportunity to sign up for a promotional APR for their Citi Dividend Mastercard, with the following terms noted - Must sign up no later than XXXX/XXXX/XXXX XXXX XXXX XXXX APR for new purchases, excluding a few items like balance transfers and fees XXXX XXXX XXXX APR good through XXXX/XXXX/XXXX I clicked accept on the offer and my account page reflected the same. 

I re-reviewed the offer as i do n't tend to carry unpaid Credit Card balances, so ensuring the promo specifics was a high priority for me. Everything was as I understood, and I logged off for the evening.I generally wait until the next business day before utilizing any offers like that to ensure there are no timing issues ( i.e. it goes into effect next business day ). 

After planning some purchases with my wife later that night, i logged on this morning XXXX/XXXX/XXXX to validate once again the terms set forth by Citi prior to making my purchase. However upon visiting the my offers section the offer now said it was valid only for purchases made THROUGH XXXX/XXXX/XXXX, which is 100 % not what it said previously. 

I assumed it was a display error, so called Citi to validate prior to making my purchase. They advised they only saw the offer showing for purchases made through XXXX/XXXX/XXXX. I explained the situation and the rep had her manager reviewer, but they both said they saw the same thing. 

This is extremely upsetting as Citi has essentially lied to me in an effort to encourage me to make large purchases, knowing i 'd be subject to a high APR on those purchases. I do n't understand how this can happen with such a large financial services company. 

I asked the representative to escalate further with a few validation questions. 
Why would i be able to accept an offer that expired that same night - do all of their offers allow you to accept them until the date they expire? Why was it still showing on my available offers today ( XXXX ) if it had expired? 

I 've never complained about a credit card before, but being lied to is beyond what i can accept especially from a financial company.

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 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
TRANSUNION, I demand that you exercise your GRAVE responsibility, IMMEDIATELY block and DELETE these inaccuracies, this fraud from my credit report and file. Until TRANSUNION abides by the law and cease unfair and inaccurate reporting, as a consumer I continue to suffer. I look forward to your immediate attention regarding this matter. 

PLEASE SEE ATTACHMENTS

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 2022-02-15
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX XXXX XXXX false reporting account after it was already settled and paid off the information shouldn't have been shared to equifax, XXXX, or XXXX due to false reporting under FCRA IT IS TO BE FIXED OR REMOVED WITHIN 30 DAYS THIS ISSUE WAS REPORTED MULTIPLE TIMES THRU THE XXXX BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
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 left school and contacted Fed loan servicing by phone to set up a payment arrangement. We agreed on a payment on the XXXX of that month. Before the XXXX came I received 11 late pays on my credit reports. I contacted them back and even was paying on time and they wont remove the 11 late pays. If I wouldve known that was going to happen I wouldve paid the day I talked to them on the phone instead of waiting for the payment date they set up! All I want is the 11 late pays removed of my credit reports. They say I missed 1 payment. But they have it split into 11 accounts. I would like these removed please. Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Unknown account on my credit report. XXXX XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX, 2022 {$1100.00} Closed

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 2021-05-11
Company: Colony Brands, Inc.
State: MS
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:
XXXX re aged an account on my credit report illegally and I want it removed asap swiss colony re aged my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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/XXXX I was charged {$3700.00} on my Capital One Journey ending in XXXX for a catering service for my business fund raising seminar. The company went by the name of XXXX XXXX. The date of expected service was XX/XX/XXXX but I didnt receive the service because the company stated that they couldnt book the venue due to XXXX restrictions. I tried to be patient and understanding, but when I asked for a refund, the company changed their contact information and XXXX  me on all social media platforms. I asked for a refund due to a lack of communication and service not being performed. This left me no way to contacting them. The company never detailed any cancellation policy information. I tried to contact the individual via text message. She responded to me up until I asked for a refund on XX/XX/XXXX of XXXX. She stated that her business partner was supposed to contact me but he never did. provided the necessary documents and they are stating that the merchant forwarded them information about the dispute, but Capital One never sent me the information that the merchant sent to them. They closed the dispute without providing me the information that the merchant sent to them and they are claiming that they didn't receive my response to their letter dated XXXX but i responded when i received the letter on the XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My Mortgae Servicer, Select Portfolio Servicing, has canceled my payment plan due to the fact that I asked them to explain to me exactly what the payments were going towards. I have filed a complaint in the past and they have yet to give me an accurate answer. They allowed me into a catch up plan for the debt they are trying to collect from me. The plan calls for 12 paymwnts of {$2000.00} each, My simple question is to let me knoow the breakdown of those payments. How much goes to principle and how much goes towards the excessive fees they have added on the years. Instead they have canceled the plan on me. 
They have a foreclosure date on my house for the XXXX XXXX. I would like for them to prove the fact that they actually have a legal right to foreclose on my house. The Mortgage was placed in a trust owned by XXXX XXXX. XXXX XXXX had been sues by the govt. over these trusts and was found guily and told to pay out a settlement to the mortgage holders involved with these trusts. I 've bought that to the attention to the folks at Select Portfolio Servicing and they seemed to know nothing about it. I would like them to investigate that issue more for me. 
I talked to their Ombudsman Dept. about the foreclosure date 4 times over 4 days. 3 of their employees told me the foreclosure date was going to be put off. On the XXXX call I ws told that it would not be put off. This si what they do, mislead you with misinformation and they make common practice of it. I 've noticed that there have been thousands of complaints about this company on the CFPB site, why is nothing being done about this, I had talked to them about working out a settlement but with the foreclosure date so close they are not allowing me the time. It seems they are bent on foreclosing on me without working through all the options. 
I have also requested in the past to see a copy of their servicing and pooling agreement with XXXX XXXX and it has never been produced. It all makes me weary that they are trying to foreclose when they actually do not have a legal right to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: SYNCHRONY FINANCIAL
State: IA
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/2019 I submitted a puchase dispute to Synchrony bank for 2 services both from XXXX XXXX XXXX one for {$420.00} and the other for {$530.00}. I told them I was not happy with the service provided and wanted to use my right not pay. The clinic called me and argued with me for god knows how long and did not want to make it right with me. I then get a dispute resolution letter stating my dispute had been researched and resolved but here I am still stuck paying for something I was not one bit happy with.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have a Bank of America credit card. On XXXX I made a payment for {$3200.00} on their online banking from my chase checking account. I checked back 24 hours later and it did not show on the BoA online account and it was now late so I thought it hadnt worked. I received no email or anything stating it went through. 

On XXXX I made another payment for {$3000.00} dollars under the misconception that the first payment didnt go through. 

On XXXX both payments posted putting my BofA balance at - {$2700.00}, so they now owed me money. 

On XXXX I called to notify BofA. The gentlemen I spoke with, XXXX assured me this would be corrected and said he had put in a expedite request and I should have the money back by XXXX. 

I called BofA Monday XXXX and spoke with another person who said XXXX was wrong and it could take up to 5 business days meaning it would come back XXXX. 

There was nothing I could do and without that money my checking account was overdrawn by over {$1000.00}. 

On XXXX I was told by BofA that the money was released. I called chase to find out when I could expect the money. 

XXXX told me to expect the money by XXXX the latest. 

It is now XXXX and I called chase and they told me it could take up to 14 business days ( 3 weeks!!! ) from when BofA released the money. 

This is absurd. I am now stuck waiting over a month and who knows if I will ever get this money. I feel ripped off and disgusted. Please help.

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 2022-03-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Credit report shows an invalid address, called Experian to remove and update with correct address, they state because a credit company has it verified they can not remove the address, however the address is no such address. This is how it is listed on my credit profile in my personal information section. They refuse to fix this address and tell me to contact the credit company to have them fix it. 

XXXX XXXX XXXX # XXXX XXXX XXXX, TX 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 2022-08-12
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, I prepared a letter to the CRA ( XXXX, Equifax and XXXX ) In reference of my right for privacy was violated. The credit bureau post medical collection on my credit report without my consent. 15 USC 1681 ( a ) ( 2 ). XXXX- Account- XXXX and XXXX and XXXX XXXX XXXX- account XXXX are reporting on my credit. 

There is should be no medical collections reporting on my credit report because it is a violation of hippa law and 15 USC 1681 a ( 3 ) ( b ) ( c ) - states any medical bill pr information should not be my on consumer report. 

After I received the notices from XXXX, XXXX and Equifax. XXXX removed all of the medical collections. Equifax and XXXX stated the accounts were verified. 

On XX/XX/2022 I prepared another letter for XXXX and Equifax. I sent the letters certified mail- Equifax ceritied mailXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I stressed my concerns about reporting this private information for the public. As a consumer I have the right to deny or decline what is reporting on my consumer report.

Company response to consumer: Closed with explanation