BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: AL
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 unknown account that needs to be removed from my credit report. Please refer to attachment for details. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Block, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My father passed and my siblings and sold the house. My share of the proceeds from the house were wired to me to my cash app account. Cash App declined the transaction. They have yet to actually return the wire transfer to the sending bank. They have given me no answers and will not help. I have asked for the federal transfer number and the only said it will be returned in 48 hours this time has passed. The transaction is {$10000.00} and cash app seems to be keeping the money. XXXX XXXX of XXXX XXXXXXXX Indiana said the transaction completed and was not declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: AMERICAN EXPRESS COMPANY
State: CA
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 would like to report American Express for charging excessive fees on my account. 

I was enrolled in XXXX and charged a {$14.00} monthly fee. In XX/XX/2018 I missed a payment while traveling for work and American Express charged me a {$38.00} late fee ( more than double the balance on the credit card ). I continued traveling for work and missed additional monthly payments. 

This continued until XX/XX/2018 upon which I called American Express to cancel my credit card. During the call American Express didn't share with me that I would continue to be charged even after canceling the card. So XXXX continued to charge me $ XXXX/ month and I thought I had canceled the card so didn't think to look for the bill. So Amex continued charging me late fees. In total I was charged {$260.00} on {$100.00} over 7 months. 

It seems unfair that Amex would charge me more than my balance and knowingly keep charging me without explaining how to stop the cycle. Clearly not looking out for the consumer. 

This has since affected my credit score and likely my ability to get a good rate on a mortgage. 

I attached

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX I contacted XXXX XXXX, XXXX in regard to info that they had sent to me in response to my request for validation for the Capital One credit card account they say that I owe. I told them then that the account in question was not my account however instead of researching their records they continue to pursue me for an account that is not mine. Last Wednesday I reached out to the capital one CEO XXXX XXXX and sent them an email requesting that they research their records as well in regards to this account. Still I have not gotten one response from them. I tried to dispute this account again with the credit bureaus but they said that its already been disputed and they will not look at it again. Then today I received a letter from a company called XXXX XXXX XXXX indicating that their client XXXX XXXX XXXX authorized them to offer me a settlement on a debt that XXXX has not been able to validate nor have they provided any information that shows that this is my account even after repeated requests for that information. I am requesting assistance in this matter and am ready to file suit against this company for repeatedly putting incorrect information in my credit file even after I have asked them to validate the debt. I am seeking restitution for the issues and the many setbacks to me being able to purchase my home and be given other credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Synovus Bank
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I once had an open account with FIrst Progress Credit Card Company which was a secured credit card. The account was closed XX/XX/XXXX. At the time that the account was closed there was not a balance owed from me to the credit card company. There was a {$0.00} balance which means the credit card company must refund me my deposit of {$400.00}. I reached out to the company and was told that I would get the refund by mail in 70 days to 10 weeks. That time came and went and I have not received my refund yet. I have reached out to the company several times through phone calls and I have even sent them a fax requesting the refund on XX/XX/XXXX. I called XX/XX/XXXX was told to call back in 1-2 days to see if the request was updated. I havent been able to speak with no one that can really help me resolve this issue. Today is XX/XX/XXXX and I still havent gotten my money back and I need some one to help me resolve this issue because clearly the company is playing games.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: DISCOVER BANK
State: OR
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:
Discover card account ending in XXXX Hello I have explicitly asked that all payment history since account creation be provided otherwise please stop reporting the account to ALL the credit reporting agencies. 

DEMANDS : XXXX. Supply all Account Statements from Date of Opening ( XXXX ) until present. 

XXXX. I have received documents from XXXX to present and there is 2-year gap missing from XXXX. 

XXXX. If you can not provide me with the documents, then you MUST Remove the account from all agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Had a HELOC with National City, was bought out buy PNC BANK. The loan borrowing period ended XX/XX/XXXX and a balloon payment was due. My DTI was not good enough to refinance but I was offered a 5 year fixed rate lock XX/XX/XXXX which I accepted before the balloon date as instructed in the letter from PNC. I started making the payments in XX/XX/XXXX however I had not received any statements from XX/XX/XXXX thru XX/XX/XXXX. In XX/XX/XXXX I received a letter from PNC that they were enhancing their technology and would continue to receive statements, I didn't receive a statement until XX/XX/XXXX, I made numerous requests for my statements which I still have not received for this timeframe. it was at this time I found out they didn't have the paperwork for the repayment option I was offered ( it was faxed from a local PNC branch ) so after many excuses from many different PNC customer service reps I found out by a message left on my home phone answer machine that I was not goin to be offered this option. Jump to XX/XX/XXXX I secure money to pay off the loan, I made an electronic payment over the phone and a specific routing number and checking account was used. The next day, I get a text alert on my phone telling me that my checking account was overdrawn. I went to the local PNC Branch and explained what happened. I was instructed to go to the bank where the money was located and transfer the money from the account that was authorized for the payment into the account that they took it from, which I did. Everything appeared to be ok at that point. I thought the loan was paid. I received a letter from PNC Bank stating that the loan was paid in full. The next day, the money was back in my checking account so I called PNC Bank to find out what was going on. I explained what happened and was told that PNC Bank would NEVER do that. Jump to XX/XX/XXXX. I received a letter in the mail from PNC Bank stating that the checking account that I used did not have sufficient funds to cover the payment. Now they are threating foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Since I was all the time getting offers from Barclay`s bank I have applied for Barclay`s AAdvantage Aviator Business card.I have a personal XXXX XXXX  credit card with them with a limit of XXXX, but I don`t want to use my personal credit card for the business. 
I have a excellent credit history.There is nothing negative in my application.i`m in a field where we are saving someone`s life everyday.We are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.i`m the XXXX of the company.and there lots of daily expenses and licensing expenses we have during our operation where I don`t want to use my personal credit card.And since Barclay`, my credit card company were sending me offers everyday to apply for a business card, I decided to get it.After submitting every document they called me on XX/XX/.After putting several hard inquiries on my credit report which is over 780 fico score, they told me you know what we don`t wan na give you business credit card because you already have XXXX XXXX XXXX XXXX with us.I kindly explained them that advising someone to use his personal credit card for business is not a right thing.And I also explained them that by putting several inquiries on my credit and without reason declining, you are not only damaging my credit score, but ruining my chances to get a business card from different bank.

I also told them that under the fair credit reporting act creditor can not taken an adverse action against consumer based on discrimination what I felt happen to me.I really felt that Barclay`s Bank treated me as their customer very unfairly without giving me the right reasoning.If their employees continue treating their own customers like this they will lose lots of customers, and I`m going to be one of them.If I don`t get this problem solved I`m going to cutt all my relationships with that bank.

Everyone in this country are equal.We are all paying taxes.No one, it doesn`t matter its a bank or individual can treat anybody unfairly in this country.

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 2023-03-16
Company: NAVY FEDERAL CREDIT UNION
State: DC
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 accordance with the fair credit reporting act XXXX Account # XXXX Navy Federal Credit union. Has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: EQUIFAX, INC.
State: FL
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:
Account shows three different reports on all 3 bureaus. Incorrect data reporting and unclear billing. Very fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received the following email regarding Bank of America accounts, that I do not have with the bank. Please advise as to what I should do. Received XX/XX/XXXX. I am deleting the email. 

Bank of America SECURlTY-ALERT You are receiving this email because we noticed a failed sign-in attempt to your account from an unrecognized device. 
Our system has blocked this sign in attempt as a security measure. 
In order to safeguard your account, we have temporarily restricted your account activities. 
You are immediately required to validate your account to restore your account privileges. 

Before you proceed, kindly make sure your debit/credit card is within your reach, as you will be required to verify your card details. 

Please note : Failure to restore full access can lead to permanent suspension of your access to our banking services. 

click the link below to validate your account. 

Get Started Best regards, B.0f.A XXXX XXXX XXXX XXXX XXXX XXXX. All rights reserved. NMLSR ID 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 2023-12-04
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Derogatory Mark place on my credit XX/XX/2021 for {$450.00}. Company contacted me via email correspondence. After communicating I realized that I never was in an agreement with this company or had any debt inquired with Sequium Asset Solutions XXXX XXXX XXXX, XXXX, GA XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
State: MI
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:
While waiting for my unemployment, I was laid off due to COVID. 
I called the company to arrange a later payment due to the pandemic. They understood and agreed. I have since paid everything up. This is my only late EVER on anything and I can't believe this was put on to my credit report. 
I checked my credit today, and I have a late on my report. I want this removed.

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 2018-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX {$480.00}. I am disputing this on my credit. 

XXXX XXXX - {$28.00} ( Shows balance of XXXX that needs to be paid I'm disputing this also. 

XXXX is XXXX balance, i'm disputing this because they still shows on my 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 2021-12-07
Company: Experian Information Solutions Inc.
State: NY
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 filed a dispute in regards to the incorrect items on my credit report. It has been over 60 days and I haven't received any investigation results.

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 2018-03-05
Company: EQUIFAX, INC.
State: GA
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 is continuing to report fraudulent accounts on my credit. I have communicated with Equifax, XXXX and XXXX for over a year. I have disputed and communicated within my rights to have these accounts removed from my credit reports. XXXX  and XXXX  have complied with my request to block and remove items that do not belong to me, per section 605B of the Fair Credit Reporting Act, which details the credit bureaus responsibility to block fraudulent information on my credit report resulting from identity theft. All required documentation was submitted and Equifax has handled my certified mailed documents as if they were a normal dispute. 
On XX/XX/2018 I spoke with a fraud department manager, XXXX in regards to my concerns in how they have handled my file. Only one account was removed and he stated that this was due to the creditor stating to remove the account. I questioned the manner in which they were handling my case and he stated that they have to present my information to the creditors and wait for them to 'electronically verify ' my account. By law, a document bearing my signature has to be on file to validate the accounts and neither the creditors or Equifax have a copy of these alleged documents.I was told by XXXX that an electronic verification is all that they need. This is not legal and I want these fraudulent accounts removed from my credit file immediately. I am prepared to take the next level of suing Equifax for not complying with the law and misrepresentation of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: SOUTHSTATE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CenterState Bank XXXX XXXX  sold my Mortgage in the amount of {$360000.00} to XXXX XXXX company in XX/XX/2020. However, CenterState did not release the mortgage and close the account, so BOTH mortgages are showing as active loans. That means that according to my credit report, I have over {$760000.00} in mortgage loans ( two loans on the same house ), and double the monthly payments ( one for each loan, although CenterState should show {$0.00} ).

I have attempted to call CenterState Multiple times. Each time I get passed around to different departments, and eventually am told they need to investigate it and get back to me. I have been trying to fix this for a year.

This is ruining my credit, as it makes my debt-to-income ratio unacceptable. It has also caused my credit score to drop at least 80 points. I have been unable to get
approved for even the smallest loan or credit card. This has impacted me financially in a quantifiable way, as I am renovating a house to list for rent, but I can not complete the repairs because I can not get the materials I need. Every month they stall costs me at least {$1500.00} in income I could be getting on the rental house.

I need CenterStage to close my mortgage account which they sold to XXXX a year ago. It's unacceptable and damaging to hard earned excellent credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
An unauthorized charge appeared on my credit card statement from XXXX XXXX in the amount of {$29.00} ( on XXXX/XXXX/2015 ) and I am having trouble getting credit card company Juniper/Barclaycard to remove the charge from my statement. I never authorized the charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXXXXXX XXXX XXXX  reported that I made payments on XXXX and XXXX of 2023 and missed a payment on XXXX of 2023. This shouldnt be the case if me and the car dealership, agreed to change the month I would have to pay a bill because the vehicle they sold me was in their hand majority of the time getting fixed.

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 2022-07-13
Company: Experian Information Solutions Inc.
State: GA
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days

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